Etaoin Shrdlu

I would suggest obtaining verifiable third party information on WRLife's (the insurer, not the broker) audited financial statements to ensure that WRLife is a financially sound insurer with proper reserves for claims. This is a better indicator of ability to pay claims than anecdotal evidence from other policyholders or information obtained from the company itself.

They're just imitating ICE: https://abc7.com/post/immigration-agents-caught-video-urinating-high-school-pico-rivera-el-rancho-unified-district-says/16926163/

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Exchange rates are mostly a function of comparative interest rates. Fed chairman Jerome Powell is keeping US rates high due to concerns about inflation. If Trump succeeds in evicting Powell from the Fed as he is attempting, presumably his successor will cut interest rates. This will cause the dollar to drop vis-a-vis the Thai baht barring similar rate cuts by Thailand. The full effect of Trump's weak dollar policy hasn't been felt yet.

A durable power of attorney can allow someone to handle your financial affairs while you are unable to do so. I assume a durable PoA is a thing in NZ. It may take some time to get the PoA recognized and the funds liberated from an NZ investment account, however.

Yes.

As a general rule, disclosure is usually safer than non-disclosure. I'd also advise reading the policy in full and discussing the issue with your insurance broker.

I haven't seen a general requirement to inform an insurer of changes in one's health status absent making a claim, but it is possible that some insurers do.

Here's renewal wording from a policy issued by a Thai insurer: "This policy can be renewed until the insured's age does not exceed 99 years old, no supportive evidence is required at this point." To my understanding, this means that the insured is not required to make any additional health declarations or disclosures at renewal. Some policies will have a clause that requires prompt notification of injury or illness that may give rise to a claim under the policy. So, yes, with respect to filing claims for new conditions, there is a requirement to report. This wording often appears in the claim notification clause.

This was inevitable after people started calling Elon "President Musk".

The duty to disclose known or suspected pre-existing conditions exists when applying for coverage for the first time. I don't think Thai insurers require their insureds to declare new conditions that arise during the currency of the policy or its replacements. If a pre-existing condition was unintentionally omitted when submitting the proposal form, then it may be best to disclose it and let the insurer decide whether it warrants an exclusion or, in the worst case, cancellation of the policy. While a new exclusion or cancellation might not be a great result, it's better to do this early instead of having to deal with this issue when submitting a large claim.

The Thai Civil and Commercial Code bars insurers from denying claims for unintentional non-disclosure of pre-existing conditions at original policy formation after an insured has been covered continuously for a period of five years. Some insurers may have clauses reducing this period and some may provide for declared pre-existing conditions to be covered after a waiting period.

Sounds like Waze for the undocumented.

Since my pink ID card number will never change, I had AIS swap out my passport number for my pink ID number several years ago. Not one peep from any of the three banks I use when the phone number matching regime took place earlier this year.

The Bank of Thailand just needs to move its US dollar holdings into Trump crypto. That'll make this tariff stuff go away.

Whether a letter of guarantee will be accepted by the hospital will depend upon the hospital's credit control policy, previous experience with the insurer and other factors specific to the hospital.

He also has a bad side.

I recall this happening over ten years ago to a guy with facial piercings: https://www.bbc.com/news/world-middle-east-28831106#:~:text=The world's most pierced man,horn implants on his forehead. This was widely publicized in Dubai and elsewhere at the time.

Yes, they were all well before DOGE, so back then it could not have been DOGE causing the delay. But now, with DOGE having wielded their chainsaws, the present delay may have been caused by DOGE. I am not ranting. My posts are quite calm in contrast to yours and I haven't said anything derogatory about you. Why do you feel you need to attack me personally?

Yes, form 7162 will eventually show up in our mailboxes. But it isn't unrealistic to think that the delay may be due to DOGE's actions.

Where did Bamnutsak specifically say that the delay isn't the result of DOGE and what was the source of his information?

For the benefit of those who may wish to direct their stakeholder inquiries to the relevant authorities: https://www.insuranceinasia.com/wrlife-health-insurer-investigated-uk-thai-asean-authorities

Yes, favorable to the insurer, not necessarily the policyholder. That's why some companies incorporate there or choose to be regulated there.

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