timoti

What if you opened a new store that looks like 7 11 like 7even, with similar colors then you will avoid all the fees, the scrutiny and insider competition right? Does Thailand have strong IP laws?

I confirm true money works. Finally i can go without cash. Although just had the bolt driver argue i had to pay him despite showing him it's paid by card and also showing the same amount deducted from my bank card. I didn't pay him of course but it's a hassle if they don't realize the payment is done. Not sure if anyone else experienced this.

Hi, Basically now I have local Thai bank accounts so it helped me a lot with paying bills but can I also pay by scan in 7-11s for example? When I asked they said no, but not sure what options are available. I am trying to be cashless and ideally don't have to carry card also. I noticed even Bolt now allows bank accounts or even credit card. Thanks a lot in advance.

Hi, I assume most probably barely break but the most busy ones must be raking in serious money for example the one in Chaeng Wattana immigration complex. 10M thb per month? what do you guys think? There isn't much info about the stats online especially for Thailand. Just curious.

Thanks a lot I will do that. Wow I was talking to the people in the link I sent.

Thanks a lot that makes sense. I was thinking the same. I just asked them they said if you get the 600K one, the upgrade price is locked so that's good. In that time 400K could be worth a lot less in USD. Btw do you know if this is the official website? https://www.thailandelitevisas.com

Hi, I remember covid time someone buying it for 500K, but then this year when I checked the prices, it was doubled up. I guess it's due to THB going down against USD so they just try to keep the same USD value? Anyone knows if there is a timeframe when they increase the prices? Also on their website they have 800K and 1M versions where the former is called Family Alternative. Is it possible to get these as single individuals? Thanks a lot in advance.

Oh ok that's interesting. It would be nice to compare all these 1 to 1, but April this year seem to remove cover limits in all countries except USA, Singapore, Japan. So before it was 1.5M for the one before the best plan, now it's unlimited. That's pretty good also.

Wow maybe I should get rid of my $150 annual credit card with 90 day health insurance benefit.

Oh ok I just looked at the new docs, it seems like they revised them a bit. In the top 2 plans, now it says the cover limit is unlimited except some countries. I am very sure it wasn't like this before. And I was looking at the cover zones, it seems like a lot of countries are missing. I asked chat gpt, it's about 136 countries. Now I dont plan to visit most of these countries but some of excluded ones I am interested are: Argentina Colombia Dominican Republic El Salvador Indonesia Kazakhstan Kyrgyzstan Laos Malaysia Peru Philippines Portugal Romania Turkey Turkmenistan Ukraine Vietnam I am surprised they don't cover Indonesia, Malaysia, Philippines for example. I guess travel insurance via a solid credit card will be useful when visiting these places. Or are these countries included in zone 5?

Do you find it hard to find the plan policy documents for April? Normally they should be listed under the website very clearly. I normally access them via the personal details page but I mean for non members these PDFs should be easily accessible. Do you know if they can increase or reduce benefits in the future? I just don't know if the benefits are set it stone when you purchased them or if they are flexibly adjusted as time goes on. Maybe they could remove pre/post-op benefits for in patient hospitalization for example.

What do you guys think about vumi vs cigna vs bupa vs april? I checked their preimums before but they were way more expensive. I think bupa was 3x april and cigna was 2x. Vumi was similar but they don't cover some countries like Singapore if i am not wrong. Cigna doesn't have pre post op coverage unless you buy OP module which doubles the price. Bupa had many clauses in their brochure and still way more expensive.

Not all operations will leave scar. I had people tell me they had all kinds of operation through their genital organs.

If I had pre-existing, I don't see any issues. Many doctors are willing to help the patients but some doctors could be overzealous to try to write down everything without any diagnosis. For example you might mention pain in one of your hand bones, and the doctor could write arthritis which could cause issues on your claims, despite not having it. So you have to be on top of what the doctor is writing down. It's up to the individual.

I think it will be hard for them to find out every issue you had unless it can be observed by other doctors and noted. For example let's say you are from Singapore and lived in Italy then in Japan and had a simple procedure. Later you bought an intl cover while living in Thailand, it would be pretty close to impossible for the insurer to find out about the operation in Japan. The only thing they could do is to request full data from the hospital in Thailand that you visited and made the claim. I think one should also ask what the doctor will write in medical certificate so it's within the insurance registration date and not mention anything that could create problems.

May I ask which plan and area of cover you have? I have everywhere except USA and one before the best plan and it's over 2K for 35yo. So I imagine you have emergency plan? From what I saw the highest premium for my plan was 7-8K at age 89? Something like that.

Photoshop ???? But I think to be safe you also need to use a different phone number and also different passport. Every hospital is different so not sure how they are indexing patients.

Would you also recommend this doctor to laser unwanted flat small (1-5mm moles) from body and face? I don't trust beauty clinics and their prices are insane like 100K for whole body or something. Or 1-2K per mole, etc. I think pattaya intl hospital said 10K for removing some of the moles from the body using liquid nitrogen. The moles I am talking about are very small and flat, so just the usual harmless ones just for cosmetic reasons.

So VUMI worldwide is not true worldwide like April? It seems like that, even if you exclude USA, etc. For example VUMI excludes Singapore? Otherwise the included OP seems good.

Edit: also i think record sharing between hospitals depend on the country. I think in Thailand no because when i sent to different hospital the new doctor also wanted to do xray despite me telling him the first doctor did also.

Oh I see, I thought they use passport number also. From what I have been told April or other insurance companies only check the name for bills. So I guess having another passport with slightly different DOB and number is advisable? Do you think April would classify a new kidney stone as preexisting within a year or 2? I ask this because I know some insurance companies say even if you never had this, because it takes time for the stone to form, they classify it as pre-existing. But then how can you know about this in advance if it's forming in 1-2 years? Is Vumi only in Thailand? I think I was mentioned them before.

How did they find out about the previous kidney stone? Was it the same hospital or thai hospitals share policies? I bet if you used different passport, they wouldn't know about this since the new operation would be under a new record.

Yes i think so. Anyway i didn't see this new paper of requirements handed out before. And they gave me a new form to be filled by owner.

Oh ok. I am surprised last time they didn't ask. But now they are giving the same requirements papers to everyone.

Hi, I just went to pattaya immigration and they told me they want blue book, owner's id card, rental contract. When i did the same thing a few months ago, they didn't ask why of these other than just filling the standard form. Did they change the requirements for extensions? Thanks in advance.