jerrymahoney

Yes -- if you are looking for insurance to cover surgery that you already know you will need, some on here will refer to that as 'self-insurance'.

I can see where the 80K per year income LTR is an easy enough thing to do if you have it especially if you live in Bangkok or one of the expat intensive locations. But if you live in a more remote area where there are only 2 or 3 others in the immigration office when you go for your 1900 baht annual extension, maybe not such a big deal. ... and I do the 65K baht per month routine with transfer via SWIFT no WISE. At least for me, the online 90-day TNM47 report has worked great.

However, again, from the April France brochure linked above, Groupama is the underwriter for medical expense covers and Chubb only underwrites other non-medical expenses covers. These would likely include as on page 11 of the brochure: Additional benefits for all-round protection abroad COMPREHENSIVE REPATRIATION ASSISTANCE AND PERSONAL LIABILITY (PRIVATE CAPACITY): DEATH AND TOTAL AND IRREVERSIBLE LOSS OF AUTONOMY LUMP SUM INCOME REPLACEMENT DURING PERIODS OF SICK LEAVE FROM WORK (their caps)

Also the 'Chubb' in the April France link is Chubb European Group SE.

The April statement linked said that Groupama is for 'medical expenses covers ' and Chubb is 'for the other covers' maybe things like repatriation and death benefit issues

So Groupama is the medical underwriter for APRIL International Care France.

Bottom page 15: https://fr.april-international.com/sites/france/files/2022-12/MyHealth International_Brochure_2023.pdf 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://www.groupama.com/en/our-business-activities/life-and-health-insurance/

Note from the above at page 15: 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://www.groupama.com/en/our-business-activities/life-and-health-insurance/

(redux) Despite the cost of living, it still remains popular.

I think someone was looking for this: Example-BankLetter-Monthly-Deposits.pdf

I saw Jeff Beck Group as not headliner at Fillmore East maybe 1968 with a scratchy-voiced lead singer I later found out was Rod Stewart.

No I did not ask WHY? I got them to drop the monthly premium from Premium frequency: 407.23 USD Monthly to the $385.4 monthly after they applied a 5% 'loyalty discount' But as I have said elsewhere, the main impetus for dropping CIGNA Global was that I was moving to an area where they had no direct payment hospitals and the circuitous way that they wanted to deal with that I found unacceptable.

No change in age bracket. If they had a reason, they never said.

\ Not quite, farang insurers don't do that, it's a thai thing CIGNA Global UK (policy with CIGNA Belgium) raised my premium from 300.50 monthly in 2018 to 385.14 in 2021 with no claims and $3000 deductible.

Some say take it one day at a time. I like to take it two days at a time and then take a day off.

I had a younger brother who self-destructed before the age of 17 so that kind of thing gives one a certain perspective on longevity.

The only factor in that for me is Medicare if that is the only way to go.

And the winner of the best AseanNow put-down is (envelope please) ...

Well just using the ctrl-f function the word 'stupid' occurs on this topic about 15 times. I get it.

Reading this topic and others related, I can take a hint: If you don't have anything not nice to say, don't say anything at all.

Just to note that there is no contingency fee arrangement allowed in Thailand.

Yes -- Novak Djokovic & Aaron Rodgers just to name 2.

Girlfriend #1 was from a Bangkok family but we were in Khon Kaen. One day I asked here where she was (Thai conversation she didn't speak English): Her: I am at the xyz hotel with some of my girlfriends from Bangkok. Me: Oh, what are they like? Her: They are very pretty Me: Will I get to meet them? Her: No. Me: Why not? Her: You may run off with some other girl but it's not going to be because *I* introduced you to her However, many years later, I actually did end up running off and marrying one of her friends but not one of the above girls.

This is a definition from the National Assoc. of (State) Insurance Commissioners in the US: A health benefit plan shall not define a preexisting condition more restrictively than: <snip> i. A condition that would have caused an ordinarily prudent person to seek medical advice, diagnosis, care or treatment during the six (6) months immediately preceding the effective date of coverage; https://content.naic.org/sites/default/files/inline-files/State Preexisting Definitions Chart.docx