jerrymahoney

If you are using the 65K monthly deposit option for one year extension of stay via retirement, then you need to have 12 monthly deposits on time and with the proper FTT coding. One screw up and you could lose your one year extension at your local immigration office. Having confidence that your 12 monthly extension deposits will be copacetic is another way to look at value. So I will stick with SWIFT even though exchange rate may be better with WISE.

Says the guy who goes back to the UK every 9 months for a couple days for hospital appointments https://aseannow.com/topic/1271869-what-are-your-greatest-concerns-living-in-thailand-over-the-next-years/?do=findComment&comment=17606667

I have used the 65K+ deposit method since the onset. I looked at Wise and decided the possible gain from Wise wasn't worth it.

The underlying issue with WISE is that it is not an international transfer. Wise has a bank that debits your account ex-Thailand and a bank in Thailand that credits your Thai account. And I looked at it early on and decided the potential gain with Wise ain't worth the potential downsides as others have described plenty.

SWIFT no issues.

Yes -- You can avoid all the potential Wise transfer FTT issues by instead making a SWIFT transfer each month.

Having lots of friends -- dead or alive -- is good so, regardless of the topic or query, you can for all occasions come up with an "I have a friend who .." response.

I have no info on current conditions but just to say that I had ACL reconstruction JAN 2007 here in Thailand and the knee still going fine to this day 15 years later.

Why? NY Times obituaries great reading. https://www.nytimes.com/international/section/obituaries

To the query "Do you ever think about the family that left you behind" As for me, sometimes. As for the family thinking about me, likely far less than sometimes.

Cataract problems are a well-established potential complication from retina surgery. What I think the issue is how much time elapsed between the retina surgery and the cataracts as these complications can take more than a year sometimes to occur. So I don't think your friend has a slam-dunk case. And I know how I would handle a court case with WLife but I'm not delivering a short course on jurisdiction.

soon after, maybe months, It seems that maybe what you say is 'soon' is not what the insurer thinks is 'soon'.

Potential Risk of Cataracts Following Retinal Treatment One of the risks to keep in mind following retina repair is that vitrectomy can increase the risk of cataracts developing over time. https://www.byrdeyeclinic.com/blog/2017/09/29/can-retinal-repair-affect-cataract-186429 Pars plana vitrectomy (PPV) is a well-recognized risk factor for cataract progression. In almost all cases, a visually significant cataract develops months to years after surgery. https://crstoday.com/articles/april-2021/beware-the-acute-cataract-after-a-vitreous-procedure/

So what was the time interval between when he had the retina surgery and when he developed the cataracts?

That they paid for the retinal surgery but not for the cataract

Sometimes it seems, in reading posts on here, that the "well what if they deny your big claim" decision by an insurer is in the realm of the totally whimsical.

Revised: A friend. Thai insurer. Retina Claim paid. Cataract claim denied. ? Personally, I have been diagnosed with cataracts -- in 2013.

Why is that? Because their claim was denied? You keep mentioning denied claims but very little on specific instances or reasons why a claim was denied. i.e. No point having insurance if when it matters and you make a large claim it gets denied. https://aseannow.com/topic/1270506-wrlife-health-insurance/?do=findComment&comment=17591393 But to stipulate: When you are self-insured, no claim is denied as long as you have enough money to pay for it.

Just make sure with CIGNA Global that they actually do have a direct pay arrangement with a hospital near you. I recently moved to Ubon Ratchathani where CIGNA Global has no direct pay hospital which is the prime reason I sought health insurance elsewhere. Also, be advised that, as this is an open forum, you often times are getting insurance 'advice' from the self-insured crowd.

Will enquire about that, KannikaP! Thanks a lot. ???????????? From Zenni Optical Tues 6 SEP: do you ship to thailand At this time, we are not shipping to Thailand, however, please check back later as carriers may pause certain destinations temporarily based on the reliability of delivery..

Sorry to hear of the setbacks -- but just to say, regardless of the reasons why, recovery from this is never fast.

I see you haven't posted here on this topic, but are lively on others, so I will presume things are going well enough. I just want to say -- although our hip replacements were of different circumstance -- that even 8 months now following the surgery, I am still walking with a noticeable limp and must go very S-L-O-W. But no pain. And swimming is not a problem but again I go slow. So whatever the manner of recovery, this does not happen fast.

Then there's a post like this: In this business, it is not unusual at all to have different underwriters for different parts of your business, to switch underwriters often, to sell your business, and to not be too open about it. https://aseannow.com/topic/1269482-self-insure-v-health-insurance/?do=findComment&comment=17574163 Instead of the repeated who's their underwriter query

So does healthcare matters expert = insurance expert?