jerrymahoney

I know you were just kidding but I had wanted to post all this and was waiting for a suitable topic.

And this was my US Government Certification as referenced in the above post

That and the temples of course Well not so much temples but before and after moving to Thailand I was skilled volunteer (with US Government certification) at under NGO under the patronage of (the then) HM the King assisting disadvantaged populations. But with your 'temple' line above are you suggesting BS that Thai femaledom did not enter the equation? Of course it did. But I had been in SE Asia working for about 15 years before moving to Thailand so I was well familiar with the place. So I'm going to post this now that it was almost 20 years ago. This was my "Dear Jerry" letter as I had made the mistake of asking them to supply me with a formal visa which they had absolutely no intention to do. So letter was Thanks for your help; now go away. But I continued to informally help some of their top students with obtaining academic scholarships both domestic and international. But not like living in USA would I ever have an experience like this.

Post redux Been in Thailand 18 years now and, while certainly there are the financial advantages, I came here for the anonymity. People became very intrusive in US as to who you are, what do you do, and the 'can this person help me more than I can help them' equation. Here in a Thailand, nobody much cares who you are unless you want people to know who you are.

Well presuming this is a case in a Thai court, this is the standard on a Thai insurer application: WARNING: Office of Insurance Commission (OIC.) The applicant should disclose all the facts you know. Any nondisclosure shall make the policy issued hereunder voidable. The Company has the right to void the contract according the Civil Commercial Code Section 865. So just from the above, the insurance company could say you knew about such pre-exiting conditions. You just chose not to disclose ALL of them. But since this is a WrLife topic, their application form states: MEDICAL PREEXISTING CONDITIONS (IF ANY): past or present sickness, past surgery, medicine taken: NB: with no time reference i.e. last 5 or 10 years Personally, I had no problem with the above from WrLife as I had just completed a life insurance application at age 70 (accepted) where I provided a medical history going back to arthroscopic knee surgery in 1998.

So just from the above info, the case may involve a claim denied by the insurer, while the broker assured the policy holder the claim, for that type occurrence, would be covered.

Why -- the real stunners in Isaan don't leave Isaan. They don't have to. While Isaan is low per capita income, there are pockets of extreme wealth in Isaan and the stunners know it.

Self-insurance is a good deal. Until it isn't.

Sounds like some forget a lot of things they wish they could remember. I remember a lot of things I wish I could forget.

So you are 56 years old now and saved millions (i.e. plural) of baht as a self-insured. Even at 2 million baht saved that's about $US 50-60,000 saved with premiums starting in your age early 40's. But your arithmetic may differ.

The above hypothetical is that someone age 65 or over did not need prescribed blood pressure or BHP before applying for the coverage and, now within 6 months of coverage, he does?

The current WrLife Policy available online states: 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. So not every condition is covered. The rationale -- strictly as I infer -- is that if someone age 65 or over declares a pre-existing condition upon application, and there is no (inpatient) treatment required for that condition for 6 months, the company believes that there is an acceptable risk to them as to any further treatment required.

Just to note on that page 2 comment on my WrLife claim, when I first posted that claim info on a topic a few month's back, one of the replies was: Well what if they had denied you're claim? So it seems some who reply to this type topic are just in gotcha mode.

Correct.

I signed up almost a year ago at age 70 without any pre-exiting conditions. I had a prior 5-year history with CIGNA with no claims. And my apologies it was Brewsterbudgen who said that he is 62.

The six month rule is for age 65 and over. Not mentioned in ANYTHING post above.

Since they put a 24-month exclusion on his Afib, obviously not.

Nonsense. It's Maha Sarakham in your Isuzu D-Max. Nonsense to you. Can't fool the real stunners as the BMW dealer is right across Maliwan from the KKU campus.

Well the OP is interested in a stunner. There has to some way for the stunner to be interested in him.

The way to find and attract some of the prettiest girls in Isaan is to go to a couple of the universities in Khon Kaen and cruise the nearby hotspots in your new BMW.

Maybe it is a scam. Maybe they have decided it will be profitable for them if enough persons aged 65 or over sign up with severe pre-existing conditions, pay a full year premium, and then die before the 6 months waiting period is up.

Yes it would be. But as you said, they should talk to AA. However, WrLife has been an advertiser on AN/TV since October 2019. They are well-aware of the discussions on this site that doubt the credibility of their insurance products. They can respond any time they choose, but at least so far, have chosen not to do so directly. Up to them. https://aseannow.com/topic/1127060-ethical-participative-and-affordable-medical-insurance-for-expatriates/

So it appears to you.

APRIL, insurance made easy APRIL is the leading wholesale broker in France with a network of 15,000 partner brokers. https://www.april.com/en/about/

I will submit this which I have mostly posted elsewhere: After almost 15 years with BUPA/Thailand and Cigna Global with no claims, I switched to WRLife. The primary reason for the switch was that I moved to an area with no direct pay by Cigna Global and I found that unacceptable. Within 2 months of the new policy, I had an accident and fractured my hip. The claim for hip replacement was paid in full by WRLife. Thank you. No follow-up, please.