jerrymahoney

It seems to me, based upon reading Facebook and Google reviews, that they do deny a fair number of claims. That's because they maybe attract persons who have no prior health insurance track record and those people in particular play fast & loose in disclosing any prior medical history. Then they put in a claim in short order after beginning coverage.

From topic Insurance companies checking your medical records https://aseannow.com/topic/1297947-insurance-companies-checking-your-medical-records/

Thanks. Very helpful.

Thanks for the list. I rarely go to the local Lotus's big store because of geography and traffic. I was in there the other day at 8 AM opening and walking through the mall corridor, I noticed either MK or KFC had a sign at the corridor entrance saying NO DOGS -- I thought that was odd. Why would there be a dog in the corridor? But then I read here of the policy.

Thanks. I hope it turns out you are right.

So if dogs do not go into the Tesco/Lotus's food store, what happens to the dogs when the dog owner wants to go into the food store.

I have read Article 20 of the DTA. So if 100% of the money I transfer to Thailand comes from Social Security, which is exempt from Thai tax, how do I report that on the PND 90 form? https://www.rd.go.th/fileadmin/download/english_form/030265PIT90.pdf

So has anybody with a lot more knowledge and patience than I do looked at this form especially as applies to US or other country treaty-exempt social security schemes ? https://www.rd.go.th/fileadmin/download/english_form/030265PIT90.pdf

Liz Truss made it 50 days. Maybe a new record?

Well I hope the Lotus folks properly identify which stores are pet-friendly so I can go elsewhere.

This is interesting Facebook posts -- hit the x to get past the login. https://www.facebook.com/InsuranceWrlife/posts/pfbid0NngRa5qh3fbu7YPnoZpKSrrKReQ7Q7LJbmB9SsVbRE2rbcUC7ZZBUcqmLSK7dS8Sl including: #1 Insurance Wrlife They wouldn't cover me for an operation But maybe you simply did not tell the truth about your medical history. It seems that you did not have insurance before because you ignore my question : what was your previous medical insurance? If you have please send a copy to patrick<at>ag-service.org Then you make a cover. Then quite immediately you claim for a medical pre existing condition confirmed by the hospital and a second opinion team. #2 Insurance Wrlife This is not true. They cover a lot of people. But some people are lying about their medical history. They are already sick and have no insurance before.

Thank you. They have already paid out well in excess of my premiums to date. Just like winning a long-shot bet at the horses. I will just note on this forum and the Medical & Health forum there regularly occur topics and replies as to how an insurer might find out about one's past medical history if I don't tell them.

Well that's good because, when they deny your claim, you won't be out as much money as the money you paid into the big-time insurer when they deny your claim.

NB https://aseannow.com/topic/1171655-wrlife-health-insurance-anyone-usedusing-them/?do=findComment&comment=18376064

Well, once again, if any or all of this goes thru, my plan would be to switch to marriage extension which my current Social Security almost covers with a top-up per month less than 150K per year 0% bracket.

Once I read of what happens when you are registered in BVI I said this is getting way beyond just a simple analysis which is all that interests me. And it was some other guy that said that an individual has no enforcement rights on any treaty.

65,000 x 12 = 780,000

Yes . I have posted that Article 20 before. That all assumes that the Thai RD honors it.

I just put in a simple worst case scenario. But for me I am on a retirement extension and want to know, after my next extension whether, I should switch to marriage. No big deal.

Well for a simple analysis, if you are on an exension via marriage at 40,000 baht per month that is 480,000 baht per year which would put you in the 10% bracket. So 4000 baht per month for taxes or $US 100+ per month even assuming ALL of the 40K per month is taxable. The problem for extension via retirement is that the 65K per month would likewise put you in the 20% bracket. OUCH. Hopefully at least Social Security would be exempt and you would only pay tax on the difference between your SocSec and the 65K which you could try to keep in the 5% bracket.

So, to add to the above, even if add had to top-up social security to get the 40K per month, that extra money might be in the 0% level if under 150K per year or about 10K per month top-up which would be more than I need.

Yes, Me. Was a skilled volunteer at large NGO in Khon Kaen before becoming entangled.

I think AsesanNow offers a great public service: Some cannot afford group therapy.

Not to worry. Trump will not again be President. I read it on here:

And if push comes to shove, I will maybe switch my extension via retirement to extension via marriage where my social security mostly covers it. As Per section 20 of the Thai-US tax treaty, social security can only be taxed by the issuing country.