jerrymahoney

The Main Insured must, when joining, complete and sign online on the web site: www.wrlife.net the application form can include a medical questionnaire validated by the Insurer. An additional medical examination, paid by the Insured, may be requested. The Insurer reserves the right to make acceptance conditional upon the production of any additional information it considers necessary. 1. For any pre-existing, chronic conditions and injury before the start date of the policy, the condition has to be studied and can either been covered with or without moratorium, or loading, or excluded. 2. For aged under 65: Health checkup is not required: there is a three month waiting period for specific diseases. 3. For aged 65 and over: 2 choices 3.1 Health checkup required prior to coverage to determine pre-existing conditions. (or) 3.2 A six month waiting period prior to coverage for specific diseases. Specific diseases: Hypertension & Cardiovascular Disease, All Tumors, Polyp or Cyst, Hernias, Hemorrhoids, Prostate Disease, Diabetes, Cancer, Cholecystitis, Cholelithiasis, Calculi of the Urinary Organs. From https://www.wrlife.net/documents/WRLIFE POLICY ENGLISH.pdf

Well I was just offering a hypothetical. However this all gets back to the problem for many expats here in the Kingdom that they initiate medical coverage as an expat when they are +/- 60 instead of +/- 35.

From https://www.cancer.gov/types/prostate/understanding-prostate-changes Are BPH and prostate cancer related? BPH stands for benign prostatic hyperplasia. Benign means "not cancer," and hyperplasia means abnormal cell growth. The result is that the prostate becomes enlarged. BPH is not linked to cancer and does not increase your risk of getting prostate cancer—yet the symptoms for BPH and prostate cancer can be similar. *************** So maybe a different insurer might have excluded treatment, analyses, and possible surgery for BPH but not for prostate cancer.

We speak in English. But when my wife doesn't understand what I said in English, I sometimes explain it to her in Thai. When apart, we use LINE so can she use the auto-translate. Which sometimes gives hiccups like: Me: How is your (Toyota) Fortuner? Her: What about my furniture?

Yes -- with an emphasis on 'dis' and such words as incompetent corrupt dinosaur franchise trough offshore-bank-account Thailand-center-of-the-universe etc.

Where does it say that? It does say here: From: https://fr.april-international.com/sites/france/files/2022-12/MyHealth International_Brochure_2023.pdf A French simplified joint-stock company (S.A.S.) with capital of €200,000 - RCS Paris 309 707 727 Insurance intermediary - Registered with ORIAS under number 07 008 000 (www.orias.fr) Prudential Supervision and Resolution Authority 4 place de Budapest - CS 92459 - 75436 PARIS CEDEX 09 - FRANCE. This product is conceived and managed by APRIL International Care France and insured by Groupama Gan Vie (for the medical expenses cover) and by Chubb European Group SE (for the other covers).

https://fr.april-international.com/en/complaints

From the NY Times obit (paywall) Mr. Crosby’s drug abuse may have exacerbated his medical problems, including a long battle with hepatitis C, which necessitated a liver transplant in 1994. He also suffered from type 2 diabetes and, in 2014, had to cancel a tour to endure a cardiac catheterization and angiogram.

Some offices and even different officials within the same office will ask for a "Source of Funds" letter.

Crosby makes me think of the old Levon Helm (of The Band) line: I didn't get into this business for my health.

OK then smooth sailing to you.

Sure but you eliminate the lao/thai immigration at the bridge and the taxi ride to UDT airport

has the OP considered a direct flight Vientiane to Bangkok?

While in Isaan, if I want to get walking on the beach jollies, I just listen to this near my one time home:

But, at least in the USofA, most people get their health insurance via their employer. When moving to other countries, most do it when they are older and that means a private policy which isn't always so easy.

My first expended stays in Thailand and eventual move to Thailand was working (unofficially) with a large Thai NGO. I was a Braille transcriber certified by the US Library of Congress. Among other things, I helped several blind students obtain oversees scholarships. So that was my restart.

I made an effort; they were not interested. Life is too short to get worked up over stuff like that.

However that ball is in the brother & sister's court.

Brother. And the question will remain unanswered.

If you never had a family of your own, meaning wife and children, in the US and the siblings you have are hostile to the point that they don't want to even acknowledge your existence, then having a family in Thailand may be the only real family you ever had.

I and others on here have been told multiple times that, if some others want to pay a 'facilitation fee' or other such euphemism via an agent to get their extension of stay, it is none of our business. I agree.

I guess I am in the other under half.

Just by way of definition, many insurers will consider something pre-existing if a 'prudent' person SHOULD have sought a doctor or hospital for a known condition but did not.

Which ocean -- are you back in California?

Per topic: Where to find a girl friend in Thailand? You don't find them; they find you.