nigelforbes

Either a North Sea cold water fish or Cash on Delivery.

Every x-ray comes with a radiology report, what did that say?

The audiologist used by RAM has her own clinic on the 107, a couple of blocks from the moat, right hand side heading south, not expensive at all.

Dunno, I was just pointing out that USD is the trade bill settlement currency internationally, I don't have a horse in your race.

Import/export bills are settled in USD, unless a currency swap is in place, that's the way it is globally.

THIS is not about this government, this is about whether pension schemes are in danger of collapse....they aren't and if they were, there's a safety net....move along now before I have to nick you for disturbing the piece.

Sensationalism, the news only applies to final salary schemes and even then there is a government safety net. Nothing to see here, move along.

It feels like I should recieve some form of plus points for having been proactive and taking care of my body. I run 4 miles every day, my ankle brachia is 8.0, my LDL/Trig. are stellar, my EKG is normal, my A1C is 5.3 and so on. OK so I'm 72 but let's not dwell on minutae. ????

Or is Putin about to use tactical nuclear weapons in the Ukraine and the US response is not known? Mind you, if I was the US and I thought that Putin was about to do that, I would issue that advice even if I wasn't going to do anything, it might just be a bluffing card......I hope.

Umm, I don't think so, there is a baseline whereby everything before is pre-existing, everything after isn't. One of the problems I now see is that people such as me who have tried to take care of their health are penalized for having tests and checkups. You have a health exam which detects a slightly blocked artery which is then stented....life saved, job done but from that point onwards you are labelled as having CAD and are uninsurable. Ditto the endoscopy/gastroscopy. A ten year check to make sure your colon is cancer free etc and they detect polyps, a typical finding which is dealt with easily at the time. But thereafter you are suspected of being at risk of colon cancer and must wait 5 years before that part of your body can be insured. The list of these things goes on and on. In my next life I'm going to use fake ID and a remote hospital for all my medical checks, seriously.

That's sensible, I'm fortunate that I have cash and other assets I can draw on. I like to work on a worst case basis which means taking a 5 million baht hit after a major medical event. I could just about manage that, afterwards I would only have income and real estate assets in Thailand and the UK so I would be massively exposed and my wife's future financial security would be uncertain. I like to think that the health insurance I have will cover at least some of that 5 mill., which is why I'm happy to undergo company medicals and to disclose everything up front.

Speaking as someone who has pre-existing conditions, my objectives now are to try to insure as much of my body as possible, at the cheapest price. If that means using a Thai company who will increase my premium after I claim, that's the price I will have to pay. I will just need to make sure that I only claim when the risk reward balance is in my favor because after I claim I may well have to cancel the policy because the premiums are so high. Using the insurance to pay for the big ticket items and self insuring for the lesser items, is the only way left open.

The problem the BOE has with buying bonds using their Foreign Currency Reserves is that they don't have very much and the markets know this. Reserves are about USD 108 bill, but only half of that amount is liquid, the rest is in gold and SDR's. By contrast, Thailand has USD 200 bill and Japan has USD 1.2 trill. , the UK has slightly more than Indonesia but less than Mexico! In practice the BOE has about USD 50 bill. to spend on bond buying, given the scale of the bond market the BOE has no chance of making even a small dent in the problem. The other problem is that if they spend the reserves there's nothing left to defend the Pound and devaluation becomes a possibility. Markets seem to think the only way to resolve the problem is for BOE to over deliver on a rate hike in early November, markets are already pricing in a 1.5% increase but this may not be enough....the electorate will be thrilled to know their borrowing costs are going to increase by a huge amount, not! The solution? observers and commentators seem to agree that a policy shift is needed, aka, backtrack, which brings with it all manner of political stability risks.....Sir Keith and Sunak must be rubbing their hands in glee, both for different reasons, get the popcorn ready.

It is CIGNA Global. I have a cardiac stent since 2007 so that ruled out my entire cardio/vascular system. Plus a prolapsed disk ruled out my spine. Fortunately, ingrown toenails are still covered. ????

Indeed that is my case, either that or the existing CIGNA policy which is expensive and very limited.

I am clear that the table rates will be increased based on those factors but not individual customer rates, based on usage. Once again...unsure.

I'm not convinced that is true. It certainly is true of health insurance but life insurance, even if the health policy is a rider it is still a life insurance policy and not a health insurance policy....unsure.

When you say that it's been revealed that central bank was propping up the Baht, I guess you're referring to the 19 bill that disappeared? In fact that was a revaluation of assets from 30 baht per Dollar to 36 baht, a difference of about 19 billion bucks over 18 months. The story was nothing more than an attempt at political mischief and nothing to do with THB support. But if the Central Bank did do any propping up of THB, which I'm sure they did in limited amounts, that's well within their remit and powers under the IMF managed floating peg system.

I'm looking at an English language version of Health Happy which was supplied to me by AIA, I can't see that it appears on any of their websites (the lack of English language translations is a problem with AIA).

Oh I don't know, the UK thrives on these sorts of drama's and now that Boris has gone and Sunak's attempt at a takeover has failed, the people at home were starting to get restless, a void needs to be filled and this fits the bill perfectly. People all over the country will be reaching for the popcorn and pretty soon the papers will be full of headlines such as, "How Much Longer Can Truss Survive".

Whoever does your translation into Thai must be prepared to make any changes required by MOFA before they agree to sign off. And they will require changes, sometimes two or three iterations, depending on which office you use. MOFA are regarded as THE authority on translation into Thai.

I can only answer one of those, Bitcoin will go to zero at some point, I can't speak to the others.

I agree, except there is no deductible or co-pay which in my case is substantial.

In respect of AIA happy Health: The coverage in my case is 5 million per year or 5 million per medical admission, 10 million in the event of critical illness. Coverage is available up to 25 mill. The payable benefits are for items as charged, except room costs which are limited by the number of days and cost per day, based on the total sum insured each year. In that respect there are no caps (except on room days). There are no caps on surgery and anesthesia etc. It is entirely feasible that a person could breach the 5 million figure, which is why the product is sold with different levels increasing in 5 mill. stages, up to 25 mill. A decent bout of cancer, early in the year, could easily see that 5 mill. limit reached, which is why it is doubled for critical illness. I currently pay 118k for CIGNA and my deductible is 350k plus 160k co-pay, it excludes two key areas of my body including my heart and vascular system, it is a very poor deal. By switching to AIA I expect to have the same exclusions but will eliminate the deductible and the co-pay, that's a better deal for me which reduces my risk. My cost under AIA will be slightly higher than with CIGNA but my future costs are known and published, subject to increases across the board (rather than specific to only me). My AIA costs are fixed for the next three years then fixed for the following 5 years.

I'll post a separate link to the brochure