Richard 2020

This is the offer from Pacific Cross to me...A joke, but a bad one! I am 71 years old, except COPD, according to the findings of the hospital for my age very healthy! I had to make the examination to be able to make a claim at all! The examination pays the insurance, but only when the contract is signed! But that is not important to me! I was, I say it kindly "Very Surprised" when I got the offer of the health insurance! Here is the letter to this insurance, which of course I will not conclude! The letter: Referring to your application for insurance, the company would like to confirm your enrollment based on the completed application form. The terms and conditions are as follows. Does not cover the diagnosis and treatment of heart disease and abnormalities diseases and disorders of cerebrovascular disease and diseases and disorders arteriosclerosis, including hypertension and hyperlipidemia, their consequences and complications Does not cover diagnosis and treatment of emphysema chronic obstructive pulmonary disease, asthma, bronchitis, pneumonia, disease and disorders of the respiratory system and lungs, including sequelae and complications Does not cover examination and treatment of diseases and disorders of the prostate, urinary tract infections, urinary incontinence urinary insufficiency, lower urinary tract syndrome, including sequelae and complications (Does not cover examination and treatment related to eye diseases and abnormalities, but does cover eye defects resulting from accidents and casualties Waiting period(s) Does not cover diagnosis and treatment of diseases and disorders of the bony joints of the neck and back covered by the policy, include Complications for a period of 3 years Coverage for acute fractures. will reconsider After this waiting period, however, the requirements for 30% of the joint responsibility for the diagnosis and treatment of such disease apply Does not include diagnosis and treatment of moles and skin lesions, including complications, for a period of 3 years and will be reconsidered). Waiting Period means a condition that was originally excluded from coverage because the Waiting Period was included. Automatically covered after the expiration of the waiting period. Future coverage of previously excluded conditions is conditional. When reviewing the customer's most recent claims and treatment history If the customer has undergone a prior examination or treatment Excluded conditions during the waiting period This condition may be considered a condition that exists and does not exist by the insurer. Protection may be offered in the future. This review will be conducted on a case-by-case basis. Future coverage options may include co-payments. An application for health insurance must be submitted with a certified copy of the passport or a copy of the identification card of the individuals whose names are certified to the Company to be lawful, effective and correct. 2: This offer is valid for 30 days after the insurance application form is completed. 3: The policy will come into effect according to the terms of when the insurance premium has been paid. My decision: Thus, all possible illnesses for which there is currently no indication from the medical side (see hospital report) are excluded from any treatment! These exclusions include as good as ALL diseases that could occur somehow! So I pay in case of a hospital stay not only the ca.62.000.- THB contribution, which is the amount with 50% discount, but also 300.000.-THB deductible, and the health insurance rejects all claims, because yes 99% of all possible diseases are excluded! And for the rest, there is certainly a causal relationship with the diseases excluded from the regulation. OK, a fracture of the arm or leg would possibly be partially regulated as a gesture of goodwill! In addition, the biggest uncertainty factor for the future is this passage in your contract conditions: The insured has the possibility to extend the contract continuously up to the age of 99 years: (If i can still afford it...). Premium and coverage can be adjusted based on claims history, health status and increasing age. THAT means for me: Claims history with me! Health condition that actually does not improve and increasing age, which is pretty sure will lead to exclusions and exorbitant premiums! Now I seriously ask myself, what should I do with a health insurance that does not pay for illnesses that occur? Now this is not meant ironically by me, but just a factual statement. So once again thank you for your kind support and help!

VID_20200608_144225.mp4 My bathroom must be bright,it just looks clean and friendly. Has worked with "spacer". That is why the top result!

Tile help...So laid they make the bathroom bigger!!! All tiles 30 x 60 In the shower and on the floor non-slip!!!

He refused to speak to the media.....??? Neither would a Thai accident victim, because he would be gone before the media or the police arrived! Of course,only to avoid a loss of face,because of misconduct....

In Pattaya , in every HOMEPRO, downstairs the tiles, and on the first floor at the bathrooms etc. approx. 25 complete bathrooms WITH tiles,as a help ... ???? Just go up one floor, or take the escalator... Or just ask the staff ????

My absolute favorite is This... https://www.lazada.co.th/products/otto-5-co-765m-i2257500368-s7553772734.html?clickTrackInfo=query%3AAirfryer%2Botto%3Bnid%3A2257500368%3Bsrc%3ALazadaMainSrp%3Brn%3A71fdd87e15e2ec027a3750f32ea4cfd9%3Bregion%3Ath%3Bsku%3A2257500368_TH%3Bprice%3A1289.00%3Bclient%3Adesktop%3Bsupplier_id%3A100211437%3Basc_category_id%3A5476%3Bitem_id%3A2257500368%3Bsku_id%3A7553772734%3Bshop_id%3A241885&search=1&spm=a2o4m.searchlist.list.i40.288962e 5 liter basket that really distributes the heat everywhere! Square, thus better fillable! Translated with www.DeepL.com/Translator (free version)

Works great for me, they even send emails reminding me it's due! Usually, 3 times now, the note that goes in the passport I print myself comes the same day or 1 day later! Couldn't be easier!!!

I always do it, to be on the safe side, 1 week before the appointment! Why not? I lose nothing by it! But I have 1 week time if something goes wrong, to go to immigration myself! See there no problems, only advantages!

Right now Lazada sends an email with a confirmation code that works fine. The problem is that I have to open the email to get the code, which creates another tab in the already crowded tab bar and things get lost. What a "tab bar" I order weekly for several years at LAZADA and at SHOPEE, all without probleme with their email code! I have not and do not see a "tab bar" unless you save all emails.???? Just had a look. 1473 orders at LAZADA and 423 at SHOPEE...All without problems, opened with eMail code!

YES, that was exactly the bar! i thought the sign was really cool!!!

Lucky Lukes was the first bar at the entrance to Nana Place on the right side. At the end of the bar all the girls made her " WAI" and, or lit incense sticks at the Buddha statue standing there! At least at my time....1990 up....

Stairs down, on the right the (smelling) toilet, behind it immediately the kitchen... ;-) Was already a little strange to get used to..... But it was just cool times...Earlier ;-)

Remember fondly the times in the "LUCKY STARS" bar at NANA from 1990 - 1996! See and be seen! And after midnight then into the "Thermae" was already a cool time ????

IMPORTANT !!! Underground toilets at the Beachroad !!! They are then automatically cleaned with every heavy rain ????

I was also insured for the first 20 years in Thailand. And very well! Had unfortunately, also some hospitalizations, but all went well. But when with over 60 years the insurance companies increased the premiums partly exorbitant, I canceled the last! It was the AETNA. On my written request, I got the information that it would be usual to adjust the premiums by about 5% annually & a surcharge if an unfavorable damage history. So for me from 75 years no longer affordable! From 80 years even less! In addition, in the event of damage everywhere information is obtained! Hospitallers / doctors and previous insurance! So that in a for the insurance, more expensive case of damage can be assumed that is not regulated! The secret is called: "Not made pre-contractual health data". And there can be found almost always something to which the last disease is due ???? In addition, some large international health insurance have terminated all contracts in Thailand years ago and are no longer here on the market! So now I have the Non O/A health insurance,which although only covers 600.000.-THB with 200.000.-THB excess!!! The advantage is', 24/7 available, all in Thai! In addition still an accident insurance over 300.000.-THB That should be enough for an emergency!? In the last 10 years I have saved a good 1.8 million THB, which I have just not paid to health insurance, which should possibly be enough? Thai KV,s can increase your premiums after each claim up to 35% and also exclude this disease from the insurance in the future!!! So in old age without previous illness is simply almost impossible, and these are just generally excluded !

And if they have already paid the entire rent in advance for 1 year, it is probably also gone ! A contract is a contract, especially in Thailand!

I have been living in Thailand for 32 years now! A (Serious) business is not possible for 500.000.-THB! I have experienced several "business founders", but no one successful! Unless he starts with at least 5.000.000.-THB and has "healthy" relationships and does not need resident lawyers, but contacts who are successful years on the ground! Alone the "Shareholder" according to the contract 30% profit sharing for your investment in writing had nothing in the end! There was simply no profit generated ... ???? And really very rich "Farang" with very good relations, had to leave the country already, because they became too successful! Thailand is beautiful to live there, not for work! My opinion only!

And this with 500.000.-THB ??? ????

Just have a look at Thai banks in the www... There is everything you need to know... But the interest rates are a joke... As important Thai banks are to be mentioned: ACL Bank, Bank of Ayudhya, Bangkok Bank, Government Savings Bank, Kasikorn Bank, Kiatnakin Bank, Krung Thai Bank, Siam Commercial Bank, Tanachart Bank, TMB Bank and United Overseas Bank. The Bank of Thailand acts as the central bank.

I think times that I have not missed a point! I wrote exclusively about my experience! And I get just these confirmations..... Which nationalities "These" no longer, and for what reasons no longer get, I have not searched for!

I have size 46 and always find my shoes at ALDO Branches in many department stores! They only have EU sizes, so no Thai 46... ????

I take the option of 65,000.-THB income monthly! This for 20 years now! I have NEVER needed a bank confirmation for my monthly income! It is always enough to present the confirmation of the embassy / consul and the pension certificate in copy, at immigration! The pension certificate only since 2 years! Immigration Chonburi / Pattaya Jomtien.

no words.... ????

And just in this soi , there are very many of these ???? For hours looking after the girls and drink a CocaCola, even better a water!!! But of course sitting in the front row ????

30 million "quality tourists"...I do wonder what is being smoked there? Is this already the consequence of the cannabis release? There should be no more "mass tourism"! Only the "ELITE" should come and spend as much money as possible, so was the plan, right?