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Richard 2020

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    Self insure v health insurance

    in Health and Medicine

    Posted

    16 hours ago, internationalism said:

    this 4mln is a max at the top private hospital.

    So the governmental one some 1mln.

    That is for a major event, series of operations, months in hospital, including weeks in ICU.

    Average operations at the governmental hospitals are some 150k, with some 1 week on the bed. I have stayed in such hospital for 4 nights in a common 6 bed room and it was good enough, 1/3rd of private room.

     

    Get registered at the secondary care governmental hospital, they are more expensive, than primary one, but shorter waiting time for treatments and specialists.

    Think about insurance with the highest deductible. Pacific cross has 50% lower premiums with 300k deductible. For your age 3mln cover with 300k deductible is some 30k/year. They give up to 20% reduction for not claiming.

    It's inevitable that at some stage you will have to get self-insured. Insurance premiums are rising sharply because of covid and undetected/untreated chronic diseases it caused. For the next 20 years patients will be draining insurance companies for treating cancer and the other major. 

    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!

     

    • Like 7

    Air fryer - advice please

    in Western Food in Thailand

    Can I get SMS alerts on my Landline phone?

    in IT and Computers

    Posted

    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! 

     

    First trip to NANA PLAZA

    in Bangkok

    Posted

    7 hours ago, OneMoreFarang said:

    Ich glaube, ich erinnere mich an einen ehemaligen Besitzer oder Manager dieses Ortes. Er sagte mir, er habe ein Schild für Muslime an der Wand: Ich respektiere deine Religion und serviere dir keinen Alkohol.

    ????

     

    YES, that was exactly the bar!

     

    i thought the sign was really cool!!!

    • Like 1

    First trip to NANA PLAZA

    in Bangkok

    Posted

    On 6.8.2022 at 08:38, thaibeachlovers said:

    War die Bar „Lucky Lukes“ gegenüber von Lucky Stars oder war das ein späterer Name für Lucky Stars? Im Alter vergesslich werden.

    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....

    • Thanks 1

    First trip to NANA PLAZA

    in Bangkok

    Posted

    22 hours ago, OneMoreFarang said:

    Und nach 2 Uhr morgens (oder war es nach Mitternacht?) durch den Hintereingang. 

    Ich vergesse immer, ob es zuerst durch die Küche und dann durchs Bad ging oder umgekehrt.

    Nein, ich scherze nicht.

    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 ;-)

    • Like 1

    How do you cope with skyrocketing premiums from health insurers?

    in Health and Medicine

    Posted

    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 !

     

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    Advice for a 1st time farang business owner?

    in Jobs, Economy, Banking, Business, Investments

    Posted

    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!

     

    • Like 2
    • Thanks 1

    Advice for a 1st time farang business owner?

    in Jobs, Economy, Banking, Business, Investments

    Posted

    Vor 1 Stunde sagte rumak:

    Auf Anhieb fallen mir zwei "Geschäftsmodelle" ein, die eine bessere Chance zu haben scheinen als die meisten anderen. 1. Wenn jemand ein wirklich guter Koch ist und schon einmal Restaurants hatte ... dann kenne ich um CM herum ein paar, die ziemlich gut abgeschnitten haben. Gutes Essen, guter Service, eine Frau, die einige anständige Fähigkeiten im Management hat (normalerweise ist der Ehemann der Koch). (italienisches Essen scheint gut zu sein)

    2. Ein bisschen riskant ... aber etwas Land zu haben und ein paar Mieten darauf zu platzieren, kann erfolgreich sein. Weniger intensiv als jeden Tag zu kochen ... aber eher eine Investition . Das Risiko ist natürlich … nun, ich bin sicher, die meisten hier können es erraten.      

     

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

    US Dollar and Baht time-deposit ( term deposit)

    in Jobs, Economy, Banking, Business, Investments

    Posted

    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.

     

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