Cameroni

Nah, it came from a Ukrainian ex who was heavily into prostitutes, threesomes and such, she threw him out when he insisted she have a threesome. But she also knew he used prostitutes. That's how she got it. She has no tattoos, never worked in a bar, she was a law student and worked in a factory. A good girl.

This is by far the most thoughtful and best reply I've gotten. Thanks a lot. I think it hits the situation on the nail exactly. There is definitely something wrong with her emotional development. She keeps asking me every two weeks "Are you bored with me?" "Do you like me"? Which is so odd. We're living together for almost a year. How could I not like her?

I've never experienced this either. It does exist though, as I found out. I used to give her 2000 Baht per week at the beginning, but since I saw that she sent the money straight to her mother I stopped giving her anything, only the odd 200 or 300 to pay for her mobile phone. I also order some clothes or other gifts on Lazada for her now and then. She basically has all she needs. I told her I lost my job and and can't give her 2000 Baht. This was 7 months ago and not only did she just accept it, she never asked for money and did not leave. She may say I feel like ice cream, then I go get some. But she's really a decent girl, she just got unlucky she hooked up with this debauched Ukrainian.

She was a law student and worked in a factory. But after she moved in with me she did not have to work. I also considered if she does not like me, but bear in mind I have not been asked for money by her. In addition she shows signs of jealousy. After I asked about her past she revealed her father died and she grew up with her grandmother, he mother was mostly absent. So she never experienced physical intimacy from parents. I think her being disinclined to physical affection is due to this.

Okay, so I'm in a relationship with a 24 year old beautiful, slim Thai girl who never asks for money, living together for 11 months now. She is funny and does a good job of communicating, in the bedroom she does okay. Now a couple of things, before me she had 2 relationships, according to her, one with a prostitute using Ukrainian, who gave her genital herpes. Which, though I've never in my life had an STD, I now have as well. Not great. But anyway, it is what is. Now, the odd thing about this girl, she is like an island to herself. What I mean is, all those normal relationship things, watching a movie together, she never does. She literally never sits on the couch with me, she watches her own youtube films on the laptop. She was raised by her grandmother and she never learned being affectionate, these evening cuddles, she doesn't really like that. She kind of does it for me, but you can tell it's just not her thing. One part of me says, this girl is drop dead gorgeous, funny, good in the bedroom and doesn't ask you for money, give this a shot. The other says, her lack of physical affection and "do her own thing" attitude will be serious problems. What do you think is the best course of action here?

Assuming you get a "girl", I went to a famous luxury Spa in CM and I got a 68 year old grandmother. When I protested and asked for another masseuse I got a 58 year old. Cost me 2500 Baht for 2 hours. The massage was good, not great, but it wasn't a "girl" and it was not great value.

I also find it really strange they charge a flat fee to anyone regardless of age. Still tempted to take this one if Axa don't give a good quote.

Yes, I have one already, I got it in 2019 and kept it funded. They never closed it. I should check if I got some insurance with it but I doubt t.

The full policy terms and conditions are on the page I sent you earlier, you just have to scroll down. https://www.bdae.com/images/products/flexible/docs/en/Flexible_Insurance_documents.pdf It looks like you are right that they are a broker, since the policy states that the insurer is Allianz. I saw the ownership of MSH before, but since they had prizes as insurer in the media I had assmed they were the insurer, but looks like they use Allianz as the underlying insurance company. Looks even more legit now. Thanks for looking at this.

Thanks Etaoin, the terms and conditions are actually there for download if you scroll down on that page. https://www.bdae.com/en/health-insurance/expat-flexible They charge the same whatever the age, even 6 year old children have to pay the 3600 Baht, I checked. They are an insurer, not a broker by the way, at least that's what it says on their site.

Thanks Scuba. I will check out AA now. Good advice. I think you are right, this insurance is conceived as a maximum 5 year digital nomad insurance. They keep cost down by only allowing those under 67 to be insured on this policy and they charge everyone the same premium regardless of age. Their proper worldwide medical insurance for longer term is 170 Euro a month. Nevertheless the 5 year policy for 3600 Baht looks very good on paper. You can see it here. https://www.bdae.com/en/health-insurance/expat-flexible Inpatient and Outpatient covered 100 percent. Medicine, Dental and Ambulance also covered 100 percent. It is almost too good to be true for 3600 Baht. What worries me is this policy Thai hospitals have of not giving care until the procedure is approved by the insurer. If I am with AXA I can see that approval being given very quickly, whereas with this German company it will obviously be more long winded since they have no operations in Thailand.

Etaoin, indeed this Lady had a shirt with Krungthai Axa and said she normally sells life insurance, so I am pretty sure it is as you say. She did not seem terribly knowledgeable about medical health insurance at all and kept sending texts to the office when I asked questions. In any event, I checked with AXA direct on their website and an agent there told me that it is irrelevant what type of visa I have, as long as I have a Thai address and stay for more than 182 days in Thailand. So this contradicted what the broker told me. She seemed to say I can only sign on once I have the ED visa, but the agent from the website said that is not required. Anyway, the option hadock suggested, a German insurer with awesome coverage for 3600 Baht a month looks very tempting. The only downside appears to be that it is limited to 5 years only, whereas if I sign up with AXA I can be with them beyond 5 years. Plus if there is an occasion where I am in hospital I suspect AXA Thai will pay quicker than the "foreign" insurer, even if they are German and super efficient. I am just waiting for AXA to confirm no visa is required in writing and what their quote is. Absolutely brilliant advice from everyone here, thank you everyone who bothered to advise.

That looks brilliant, thank you so much hadock. Allianz are charging more than 280 Euro a month.

Thanks, they said clearly prior to booking that I cannot extend, but I sent them a message and asked what can be done. Not loving the idea of not having any medical insurance for a month. Given the driving here.

Yes, there are companies that will insure you on a tourist visa. The AXA agent suggested one, but indeed I am not sure if this is legal or worth the cost. So if I wait until 20th April and have my ED visa and then go and get insurance will I get it or do I have to wait 120 days since the broker said I have to live in Thailand 120 days before I can get local insurance. Is this true?

Hi, I entered Thailand on a visa waiver on 2nd March and am currently applying for an ED visa which I am told will come through on 20th April or thereabouts. Up until 15th March I had a good medical insurance for travel from my home country, however, this has now expired. I went to see a local Thai AXA agent and she told me I would have to live in Thailand 120 days BEFORE I can get insurance with AXA. The agent suggested another company that would insure me now but I would have to pay one year of premiums in advance, no monthly payments. Does anyone know if I can get Thai medical insurance on a visa waiver? Do I really need to wait 120 days before I can get health insurance? Any tips on good insurance companies or plans are very welcome. Thank you.