Etaoin Shrdlu

They're just imitating ICE:

https://abc7.com/post/immigration-agents-caught-video-urinating-high-school-pico-rivera-el-rancho-unified-district-says/16926163/

32 minutes ago, Ralf001 said:

If you are comatose in ICU... how do you drawn down them NZ investments ?

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.

23 hours ago, KannikaP said:

Isn't a 'pre-existing condition' one which exists when you take out the policy, and not one which develops over the duration of the policy?

Yes.

Just now, scubascuba3 said:

Based on that people might as well advise their insurer just to be on the safe side, nothing to lose, rather than conceal it and risk claim denied

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.

29 minutes ago, 4MyEgo said:

 

I wasn't aware it was a Thai insurer, that said, I would never insure with a Thai personally as I have heard some bad stories when it came to coughing up.

 

When I once insured, and going through the fine print, it did state about the duty of disclosure when applying and that the insurer MUST know of any changes to ones condition, even if they weren't making a claim, that said, I would have thought most would be the same, but then again maybe not.

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.

4 hours ago, scubascuba3 said:

So based on that you are saying people could go for treatment for various conditions during the policy and not tell the insurer?

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".

7 hours ago, 4MyEgo said:

 

Read the fine print, you have a duty of care to inform your insurer of any changes in your condition, whether it's a growth a mur mur in your heart etc etc, etc.

 

If I were you, I would get a letter from your heart doctor when it was 1st picked diagnosed and provide that to the health insurer you are with, providing a thorough explanation as to why you didn't advise them of it when it was 1st diagnosed.

 

If they don't buy it, yes, your next health insurer will class it as a pre-existing condition.

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.

5 hours ago, xylophone said:

Well I have just had an answer from the company representative (the lawyer who I've been dealing with since I took the policy out many years ago) and she contacted the company and she informed me that because I've been with them and had the policy for over 10 years, then I am covered for this event.

 

I suppose I should get this in writing, so I will ask her to confirm this by email, however I've always found her to be a helpful and trustworthy person in the past, so I will think about that aspect.

 

Having said that, there is a clause in the policy document which states that any pre-existing condition which existed when the policy was taken out, can be included at sometime in the future of either two or five years hence (can't recall exactly so I will look again).

 

Despite all of this, I will go ahead and renew the policy for this year, and that will probably be the last time.

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.

16 minutes ago, Caldera said:

 

Same in my case, my passport number changes with every new passport issued.

 

 

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.

1 hour ago, spidermike007 said:

Unappealing, unattractive, idiotic, incompetent, hateful, hurtful, abrasive, rude, blowhard, liar, cheater, thief, infantile, failure, loser, fraud, sexual abuser, incestuous, tax cheat, insurrectionist, un-American, dictator-loving dictator wannabe, out of control, sociopathic, convicted felon, toxic narcissist & brutish A-hole.

 

 

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, 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.  

8 minutes ago, dingdongrb said:

Are you not able to read what was stated as the process?

 

Have you not read any of the posts made in the 3 links that bamnutsak provided?

 

(Thx bamnutsak)

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

12 minutes ago, jerrymahoney said:

Thanks AI.

Here's my AI answer -- long but this:

Nevis-registered insurers can offer several advantages, including a favorable regulatory environment, potential tax benefits, and access to a specialized insurance market. Nevis offers a robust yet flexible regulatory framework, making it an attractive domicile for captive insurance companies and reinsurers. This can translate to lower operating costs and increased efficiency in managing insurance operations
 

Yes, favorable to the insurer, not necessarily the policyholder. 

That's why some companies incorporate there or choose to be regulated there.

Deleted

On 6/23/2025 at 4:02 PM, westsail said:

If you are traveling together she can accompany you in the queue for U.S. citizens to save time.

This had been my experience for a number of years as well, but in May last year my wife and I were turned away from the US citizen line at JFK and were told we had to use the non-citizen line. Perhaps it now depends upon the airport one arrives at.