
Etaoin Shrdlu
Advanced Member-
Posts
2,358 -
Joined
-
Last visited
Content Type
Events
Forums
Downloads
Quizzes
Gallery
Blogs
Everything posted by Etaoin Shrdlu
-
Cigna Global Health getting deprecated
Etaoin Shrdlu replied to Swiss1960's topic in Health and Medicine
Chubb's purchase of Cigna's life and health companies in Asia did not include Cigna's operation in Singapore. Cigna Singapore has offered medical insurance to expatriates in Thailand in the past. You may wish to contact Cigna Singapore directly to see if they will offer a solution. You may or may not be able to find a broker in Thailand that is willing to work with offshore insurers. -
I admit that I don't have any specific knowledge of the contract between Hitachi and AOT and whether ownership of the moving walk resides with Hitachi or AOT. The article mentions that Hitachi supplied the walk and had a contract to provide maintenance, but does not address ownership. In at least some instances, ownership of items affixed permanently to a structure become the property of the structure's owner. AOT owns the premises, so I'm not sure that AOT would be able to sidestep liability under the Thai CCC. This seems similar to the German law that you cite. AOT may be able to recover from Hitachi under the supply and maintenance contract for damages awarded if Hitachi is negligent, but likely won't be able to avoid being involved in any suits and claims. If I were the plaintiff, I would not omit AOT from my suit for damages.
-
The Thai Civil and Commercial Code makes property owners strictly liable for property damage and bodily injury that is caused by their property. AOT, under the CCC, is liable if they own the moving walk. To sue only Hitachi would bypass this and potentially open an avenue for Hitachi to say they aren't liable since the property owner is. Need to sue both and any other party that may have been involved. AOT's contracts with Hitachi will likely pass liability for Hitachi's negligence and for defects on to Hitachi, but it is yet to be determined whether Hitachi is liable. It is possible that there are factors beyond Hitachi's control that are in play.
-
If you only set aside an amount equal to what you would pay in premiums each year, you would be seriously underfunded. You'd need several million baht from day one in order to address a catastrophic accident or illness, assuming you'd wish to be treated at a private hospital. Less, but still significant amounts, if treatment is sought at a government hospital. We just never know when we will fall ill or have an accident, even if we are otherwise healthy. I would suggest looking into health insurance from insurers located outside Thailand. Coverage is often better as is claims-paying attitude and consumer protection laws.
- 257 replies
-
- 20
-
-
-
-
My son said that the last time he went to the local barber, who charges 100 baht, he got a bad haircut. My experience is quite different: I get a bad haircut there every time.
-
April Insurance -33% increase with no claims since joining
Etaoin Shrdlu replied to atpeace's topic in Insurance in Thailand
Sheryl is correct. Best to get health insurance from an insurer domiciled outside Thailand. Cover will likely be better and claims handling will be more professional. April's office in Thailand can only give you quotes and cover from Thai insurers due to insurance regulations here. You'll need to contact April's office in Europe to get proper international cover. -
April Insurance -33% increase with no claims since joining
Etaoin Shrdlu replied to atpeace's topic in Insurance in Thailand
You will probably be better served sticking with an international plan. Local policies are usually less broad in cover and local insurers may not always be as professional when it comes to paying claims. -
April Insurance -33% increase with no claims since joining
Etaoin Shrdlu replied to atpeace's topic in Insurance in Thailand
April is an insurance broker. Which insurance company had they placed your cover with? -
Roojai is an insurance broker. I believe they place their cleints' auto business with Krungthai Panich Insurance. The OP's broker is actually asking if the OP would like to switch from AXA to Krungthai Panich.
-
I have the 2020 13.3 inch model with 256GB storage and 8GB RAM with Retina display. Model number is Z124000BVTH/A. Here's a link to the Apple Store Thailand for the 13 inch M1 Macbook Air currently on offer directly from Apple: https://www.apple.com/th-en/shop/buy-mac/macbook-air/13-inch-m1 I'm only aware of the M1 Macbook Air being a 2020 model, but I think there are retina and non-retina versions with the MGN models being non-retina. Here's a link that may explain: https://support.apple.com/en-us/HT201862#:~:text=Find the serial number printed,page to find your model.
-
I switched from PC to Mac about fifteen years ago. I have a Macbook Pro from 2012 that still runs just fine, albeit on obsolete software. My experience is that Macs can't run the newer OS releases very well after about six or seven years and it is necessary to upgrade, but I haven't yet had a Mac of any description conk out for no reason. Even when my kids abused their Macbooks (broken keyboards, cracked screens) we simply hooked up external peripherals and they chugged on. I would also recommend a Macbook Air with the M1 chip. It is inexpensive (for a Mac) and it should last a long time.
-
My Bangkok Bank account was restricted to transfers of under 50k by the new BoT regulations, so I went to the Bangkok Bank branch at Seacon Square today and submitted my passport, bankbook, signed the form and got my photo taken. All very efficient. Went upstairs to do the same at SCB. Equally efficient and polite, but was turned away and advised that the photo requirement was only applicable to Thai nationals. I was shown something on the staff's mobile phone that I assume was an internal document stating this. Has anyone had a similar experience with SCB?
-
Selling insurance through banks is a big deal for insurance companies. It is a somewhat new distribution channel and insurers have been falling over themselves trying to exploit banks' relationships with their customers to sell their insurance products. Banks are under pressure to increase profitability and they see this as additional revenue on top of their traditional banking services. If I remember correctly, laws were changed some years back to allow banks to sell insurance products. Before that, they couldn't. Banks have been lukewarm on this as it has traditionally been outside their area of expertise, and I suspect it still is. Most of the products sold through banks are fairly plain vanilla ones so that they can be sold by bank employees with little insurance knowledge.
-
While the credit card companies may pick up costs for damage to the vehicle itself, they seldom cover third party liability. Their cover may let you decline the collision damage waiver, but that's not all that you could be on the hook for. Rental car companies often provide only the minimum limits of third party liability that the state of the car's registration require. These limits can be quite low and not at all adequate. Of course, the rental car companies have additional liability insurance, but it will likely only cover their liability and not the renter's. When renting a car in the US, ask how much liability insurance will actually cover your liability if you are held responsible for third party property damage or bodily injury. If it is minimal, consider the optional liability cover that is offered by the rental company.
-
Bangkok Bank Changing your branch.
Etaoin Shrdlu replied to roger101's topic in Jobs, Economy, Banking, Business, Investments
Open a new account at the branch you prefer. Transfer the funds from the original account to the new account. Close the original account.- 34 replies
-
- 11
-
-
-
Thai Licence/International Driving Permit Insurance.
Etaoin Shrdlu replied to Jumbo1968's topic in Thailand Motor Discussion
That's good, but I would not advise others to rely upon that. Other insurers may see things differently. When I worked in the insurance industry here, it was the consensus that a Thai license would be needed if one were here on a long-term basis. Perhaps things have changed or it isn't strictly enforced. I'd at least query the insurance company and get any advice in writing. -
Thai Licence/International Driving Permit Insurance.
Etaoin Shrdlu replied to Jumbo1968's topic in Thailand Motor Discussion
It's fine for tourists and other short-term visitors to drive in Thailand on their home country license and IDP. If one is here on a longer term basis, a Thai license is necessary. If you own a vehicle, insurers will likely want to see a Thai license either before issuing a motor policy but certainly before paying a claim. I think this topic has been discussed to death previously. -
I've had this same issue with brand new hard drives. Initially formatted from the factory in FAT, and readable by my Mac, I attempted to format them with Mac OS Monterey in APFS for use with Time Machine, but the formatting failed and the disks became un-useable by either a Mac or a PC. Spent quite some time with Apple support on the phone and they could not provide a solution. I was able to obtain a third new hard drive and format it with an old Macbook Pro running Catalina, The formatted HD then worked fine on my newer Mac running Monterey and now Ventura. I understand that this has occurred a number of times and Apple is supposedly aware of it, but hasn't acknowledged it. I was lead to believe that there is a compatibility issue with some hard drives' drivers and Monterey/Ventura, but I don't know details. I also intend to take them to a computer shop and see if there is a fix using specialized software, but haven't so far.
-
I think he pentagon leases space at Utapao from a contractor, so technically this allows both the US and Thailand to state that there are no US military bases in the country. Then there is JUSMAGTHAI, which has been here since 1953. I think the US considers it an overseas military base of some description. Others with more detailed or correct info, please comment.
-
I suspect that AA World is an insurance broker. WR Life is also an insurance broker according to their website. There are other threads discussing WR LIfe and the possible location and financial status of the insurance company actually providing the coverage under the policies they issue. So far, this remains an unanswered question as far a I can tell. Perhaps someone could ask AA World to provide information as to the identity and financial status of whichever insurance company WR Life the insurance broker places their clients' business with.