Nickelbeer

I wasn’t around when the earth was created, so I don’t have a firm answer for you. Neither does anyone else. I just try to live the most moral life that I can and let religion alone. Needless to say, God does not seem to be very busy if he does exist.

12 hours ago, Sheryl said:

Obviously not.

 

Exclusions come into play for things that put you at above average risk. Diabetes for example put you at above average risk for a host of diseases.  So do dyslopidemias. Someone who has had heart disease in the past is at above average risk of it i  the future.

 

The setting of insurance premiums is s complex thing requiring detailed computations of risk by age performed by actuaries (people with special training in this). The calculations are for the population as a whole and assume people at average risk at time of enrollment.  The whole calculation goes out the window if the insured person is at above average risk for certain conditions.  If the above average risk is limited to specific conditions, the insurer may solve this by applying an exclusion or offering to cover everything at a higher than normal premiums. It needs sophisticated individualized actuarial calculations to arrive at such personalized premiums so only some insurers are able to do this.

 

All that said, many Thai based insurers come up with bizarre/far fetched exclusions based on  history that make no medical  sense at all. They appear to have non-medical people doing this and no real review by medically qualified people.  International insurers usually have medical staff and their reviews are far more reasonable and nuanced.  Their enrollment forms are also clearer and better worded. 

 

Worse yet, some Thai based insurers apply exclusions retroactively after a claim is made even though  full and accurate history was  provided on application. And even insurers who claim to do full medical underwriting, which ought to prevent that.

I’m certainly glad that Sheryl checked in on this subject. We have a few sour naysayers on board who want “proof” that Thai insurance companies are just playing games with us. Anyone who has ever dealt with a Thai insurance company tells the same story. Thanks, Sheryl, for setting the record straight.

Pay up and consider this a lesson learned.

On 7/29/2022 at 5:43 AM, KIngsofisaan said:

Mike, Mike, Mike

 

How is it you ended up at your age and cannot even afford to stay in your own country?

 

Please tell us?

An amazingly elitist comment. All employment does not guarantee you a luxury retirement. Many live paycheck to paycheck and have great difficulty saving anything. No one has control over the wages they earn, unless they are in a heavily unionized environment. Such a situation is rare in the United States and some other countries, as well. I had a plonker on the the internet tell me that if I had “worked a little harder”, I would have more money in retirement. These kinds of people must have existed in a public sector government job for their entire lives.  In the REAL WORLD, hard work does not guarantee you anything but continued employment and sometimes not even that.

On 7/26/2022 at 6:33 PM, 1FinickyOne said:

So, take an average 70 yr old... would you want to risk your money insuring them? 

This does not seem to be an issue with single-payer universal coverage.

2 minutes ago, wombat said:

Sounds like the religion of peace playbook.

While there’s not much commonality between those two ideologies, in terms of the amount of evil generated, they are roughly on par. I have no sympathy with either Islamist or Confederate thinking.

6 hours ago, Bday Prang said:

heres a cut and paste from your  authoritative article..........I stopped reading it after seeing that.....utter rubbish, 

 

 It may be that people who use marijuana also tend to engage in risky sexual behavior or intravenous drug use

 

  It sounds more like reefer madness than serious scientific research  

The way that marijuana became illegal in the first place, was hysteria created by racists, who were convinced that pot smoking was causing white women to have sex with black men. The history of drug laws is filled with such poppycock. 

I knew this sounded too good to be true. Hysterics and “reefer madness” experts rule the rhetoric.

There is always a way for Thailand to take two steps forward and five steps back.

Some people have nothing else to do. Hating is their only hobby.

13 hours ago, kimamey said:

I didn't know that. 

How many prosecutions have there in those circumstances? The answer to that might give a clue to how much interest there is. 

None, that I know of. I just thought it was interesting. The deeper you look into Thai law, the more interesting things you find.  The “theft by night” law, for instance.

Not many people seem to know this, but the LM laws cover the Pope, as well as all other Monarchs worldwide. This seems to be mostly unknown, though it is plainly outlined in the law. Comments?  I didn’t think so. ????

This is exactly the kind of scenario I have been worried about, now that cannabis decriminalization is a reality. Many cops don’t care what the law is and some are not even aware of it.

21 hours ago, Chris.B said:

Of course you should be! They want you to go out with old, fat UK women so they can get your money when you die.  

I had a similar incident transpire at MBK in Bangkok. I was in my fifties at the time and my companion was about 28. An American woman was shrieking about how I should be ASHAMED of myself, while her embarrassed husband tried to get her calmed down. My girlfriend could not understand what was going on. When I told her, she started to laugh and then said:  “why does she CARE???”  Good question, babe. ????

23 hours ago, BritManToo said:

Call the police, accuse the couple of defamation.

Ask for 200,000bht in compensation, tell the police you'll split it with them.

EXACTLY my remedy for such defamatory conclusion jumping. I usually only get those accusations from punters on the internet who don’t have to worry about picking their teeth up off the ground after they make such comments. I almost never encounter people who are willing to suggest such a thing to my face. That said, I always refuse to talk with minors unless their parents are with them and even then, I don’t like to engage. I strictly do not photograph anything where kids are playing. You can’t be too careful when there are evil-minded chavs lurking around.  A sick, perverted bunch, to be sure.????

14 hours ago, Wandr said:

That's what I am finding - blood test shows the pills haven't changed the reading.

Why is the gel a pain? Messy?

Gel seems to be preferred by many in the USA because they don't cause huge swings like the shots do. 

Yep, gels are messy and take too much time to apply properly. You have a point about the lack of swings from gel. I never noticed any. It took about a month before daily application of the gel resulted in the desired result, but it effectively brought back the dead. I just find the shots more convenient for me. When I first moved here, the gels were not available like they are now. My urologist put me on an “every three weeks” regimen. When I moved to Pattaya, I consulted a Swiss doctor, who seemed sold on Nebido. He told me that my levels were “too high” and said that would produce the opposite effect. he cut me back to once a month just before I stopped going to him because he wanted to switch me to Nebido. Lately, I am considering going back to the “every three weeks” routine. I think he is peddling what makes him more money, rather than something backed by hard science.

According to my Urologist, Testosterone pills are nearly worthless. Injections or gel are what you need. The gels are a huge pain in the hindquarters. I get an injection once every three weeks. Testosterone Enanthate is what is normally prescribed. Vials have recently gone up to about 250 baht for a 250 milligram vial.

I can’t imagine the miniscule amount of electricity this would use. Leaving an electric fan running will not result in appreciably higher electric bills,so I would think that using a radio app on your laptop would not put any kind of a dent in your power usage.

6 minutes ago, Boomer6969 said:

There should be a minimum of 5 years, without parole, for certain levels of intoxication. The same should apply for carrying arms without license.

There should be mandatory ouster from office for any politician who does not address the homeless problem in Thailand. Abhisit was right, Thailand should become a welfare state.

14 hours ago, kekalot said:

I just submitted my new application after kinda forgetting about it for the last week.. it's due on the 19th

I'm the guy who always gets rejected, it has never worked once even with the old system.

 

Last time, I pushed a bit about it and some immigration lady came clutching my printed "application" pages (there were like 2-3) in her hand with some checkmarks on it.. they then processed it manually and told me next time it would just work. (yeah right)

 

so this time I will try it once or twice and if not approved then I will go to immigration with laptop in hand, information all filled and she can correct/submit it herself and then reject it herself right after.

 

hopefully she is right and it works but.. this is my last 90 days report before renewing my Elite 5 years visa stamp in November. which means i have tried almost every single time for the last 5 years and it has never worked.

 Amazingly. The new system works well for me, but I live so close to Immigration that I prefer to go in person. I submitted my last 90 day report with some items missing, but they approved it and accepted it anyway and gave me a receipt stating the date of my next report.

The idea that the government CARES what we think about the dual pricing, is rather naive. Thai law has always showed raw contempt for non-Thais visiting and living in Thailand. Xenophobia has always been off the chart here. Attempts to track your every move are much like the old Soviet Union or North Korea. The attitude has always been “If you don’t like the laws here, go back to where you came from.” I am amazed that some farangs think they can “negotiate” with Immigration and the Royal Thai Police. There is certainly no tolerance for the opinions of aliens in the USA or UK.