Dart12

smartphone plus social media making way too many think they are Rolls Royces since their pics get lots of likes. They fail to factor in their own education level, propensity for creating income, and are now failing to provide in the ways that they (once) can in being home builders and nurturing partners within a symbiotic relationship. A failure to weigh what they put back into a relationship. A metaphor might be that they want to be the queen with all the accolades, gifts and spoils, but without taking on the responsibilites that a true queen undertakes to continue being a queen. But for awhile while young enough, they can replace a man in an instant from the 1000's of others promising faux heaven, gifts, and trips in their inbox.

I'll have to ask about them then. that's what they want from me roughly from PCH at age 47 (but in and out patient covered 100%). And I'm told PCH cheaper than most. Many exclusions in their standard exclusion bin. Any conclusion to whether WRlife is a company western regulated or thai regulated?

what rate are you paying at waht age? if you are ok to answer this ?

Trying to decide on an Insurance company here now as well. WRLife not been in the mix. AA recommended Pacific CRoss Health and April (thai though it appears, and not global). Many think Aetna has been pretty good to them too. Only problem with all these is @Sheryl highly recommends ONLY going thru global/western companies. And none of these foot requirement. Still awaiting a response from Wim at AA to provide those types of choices. My first "ask" for this said April is French company, PCH is Tokyo headquarted... So I replied I want exact clarity...if the policies he showed me are goverened by Thai laws or western laws. Still awaiting response as I want to look over some international policy choices. **Side note, working with PCH direct (as I simply thought I was going with them from a friend recommendation)...he's telling me they fully underwrite and do not require moratoriums. I replied, your offer directly states you have a 30 day waiting period (moratorium) for X diseases and 120 day moratorium for others. --Blatant ignorancy or lying like that is very worrysome from the person I'm trusting my future health care choices from as the 'expert' to help me.

Not sure how to read this? They do? or do NOT take care of those problems for customers?

I've not gone in and done it myself so I can't tell you.. I just know there is a sign there saying training needed. This began after July this year. Hope it doesn't last if true...what a waste of time for experienced drivers. link to app please? and thank you

question already answered in following pages.

Dpone MUCH homework on this in the past week. You HAVE to go twice yourself. No agent can prevent that. I pay agents for many things. This service they can only really help you with getting your med cert and residency cert. That is it. There is no other convenience. Agents charge 5000 to 6000 for this. In this case NOT worth it imo. However, I DID pay agent to go get my residency cert for the two licenses costing 900 baht. Why? it saved me a lost half day at immigration. They pick up and deliver after. Well worth it. med cert go to a clinic. 2 minutes and d100 baht. *hosptial wanted 550 plus half hour with a dr. a high end clinic wanted 300 plus time with dr. Go to first visit and schedule. They will give you list of all documents you will need for 'real' visit. BAD NEWS. If you are renewing...it appears you must take a 5 hour training on second visit to get your license renewed. Ironically, people getting first thai license (with valid license from home country) do not have to take it LOL.

My certs are just a small paragraph with a stamp. No pics. Not when I went in myself, and not thru an agent. Just written word. I am also under impression they only good for 30 days but unsure, especially since I can't even read it lol

what paperwork do you need to bring with you to get the books?

I just asked my preferred local agent I found 2 years ago. She charged me 900 to get driver license one. Not sure if she would have charged more to get a bank one at same time? probably would though but like 500 baht extra I bet. i'm in Pratamnuk. Pattaya area. You could probably start a thread with that question or ask in FB group of your area for recommendations.

As my question above, I see western insurance companies seem to be the preferred choice long term...so I'm now awaiting more quotes from other western companies too. I WAS set to go with Pacific Cross Health and agent said it would be 48 hour to OFfer, but after turning in my app, their was a Thai holiday then agent was sick and it was over 10 days. During that time, I started coming across threads like this. Now, even if I go with them, I'm going to follow @Sheryl advise and get my full underwriting done instead of their moritorium offer where they don't check you at all before giving you insurance but with a 30 day wait period. It appears they have the best 100% coverage for BOTH in and outpatient with ZERO deductible at 61k year for me. However...does anyone have positive things to say about them or horror stories so I can make a better judgement.

Refresh me on this, people. I know I read reasons awhile back: Why do we want to avoid the Thai companies for insurance? and only seek out International/western companies for policies? -What is the big knock(s) on using Thai insurance? or the big benefit of using western over thai? if that is a nicer way to put it. -Or is there any difference at all really? (they are all thieves lol)

Or can I go there and simply get a copy of it quickly for a few bahts? Getting this was a huge pain in the butt the first time. take almost a full day. Get something done. Then they tell me to come back in 2 -3 hours... TWICE. I only got it roughly 1 month ago. (I actually didn't lose it. I just noticed that the bank I got an account at did not return it to me in my paperwork). Thanks