mickflick

If the health insurance issue was the only problem, I would still have hope and patience. However, completely different errors have also occurred on the part of the official. Tax notices and my broker's annual tax notice were requested. The official then asked for a written certificate from my broker about the 2023 annual profit. Anyone who knows IB (Interactive Brokers) knows that they don't issue you with something like that. There is no reason because it is all in the annual tax notice. I told the official that I was not supposed to get individual confirmation letters from the broker. They then told me, that the visa could then no longer be processed. I then asked why they needed that at all because a wealthy pensioner does not have to prove their shareholding. The explanation then came that the amount of my pension would not be sufficient. The two pension notices from my insurance company clearly state the monthly pension. However, there is a slightly larger block of numbers on which the back payments are shown because processing my pension claim took several months. I don't know how the official came to the conclusion that my pension wasn't enough. I then showed him a screenshot and calculated that I could easily meet the requirements of the BOI with my pension. He probably understood the larger block of numbers with the repayment as a pension. Whatever. When that was finally clarified, the thing with the health insurance was reopened. The person processing my application is obviously no longer able to determine the amount of my pension from the pension notice, so at this point I'm really wondering where this is all going. He didn't have to read through the whole document of my insurance conditions to find out the terms of cancelling my health insurance. I kindly pointed out the two paragraphs. I just can't cope with the level of this processing and can't understand it logically. Furthermore, I have also lost confidence in the ability of the person processing it. So I won't make any further efforts. Perhaps the high rejection rate for LTR visas is because the BOI simply processes the application in such a way that people who are entitled to it simply do not get a visa. In Thailand, it is standard procedure to take a letter from the bank with you on all possible issues for every visit to the authorities. But here you are dealing with an international clientele and large brokers like IB simply do not issue letters about issues that can be found in the deposit statement. But this is obviously not something that the BOI clerks can understand. For me, this is the end of it. I am neither dependent on an LTR visa nor am I married to Thailand.

Thank you very much for all the good advice. I have an excellent international health insurance with unlimited cover. So I don't see any reason why I should take out an additional policy just because the BOI is unable to interpret my insurance documents correctly. They also have extensive insight into my (comfortable) financial situation and for that reason alone they shouldn't treat me like a criminal. The BOI also requested my insurance terms and conditions, which state the cancellation terms. I referred to the relevant paragraphs and said that this would explain it better than an insurance letter. They only replied that they would only check it once they have the letter from the insurance company. You have to wonder why they even requested the insurance terms and conditions. What is going on here is so crazy and illogical. My insurance certificate also shows that I have been insured with this insurance company since 1999, so the BOI should also take this into account in their considerations. Furthermore, the insurance policy was up to date and it is actually clear that you do not receive an insurance confirmation if you have not paid the premiums. In this respect, all of this is incomprehensible. The health insurance issue had also been dealt with in the meantime and further confirmation was requested. When I had submitted all of this, the health insurance issue was brought up again with a request for the confirmation letter described above. Just getting confirmation that you had paid the premiums for the last 6 months was extremely difficult because something like that is completely unusual. I had also sent the BOI my bank statements with the deductions for the insurance premiums, but that was not enough for them. It was only through good contacts with my local insurance advisor that I finally got a stamp confirming that I had paid the premiums. If I now arrive back and want another confirmation letter confirming that the insurance company cannot cancel my policy, everyone will think I am no longer of sound mind. I have written a corresponding letter and asked the BOI official to confirm that it contains all the information that is important to him. I also wrote to him that I am having extreme difficulty getting this type of confirmation letter from the insurance company and that he should please state all the questions he still has about my health insurance now because no further confirmation letters will be possible. Only when I have this confirmation will I bother my health insurance company with this letter. However, I have not received a response from the BOI for 5 days, which is absolutely unusual. Perhaps I worded the letter in such a way that someone has lost face. Who knows. In any case, I have had enough of this whole drama. I'm not particularly spoiled by german authorities, but I've never experienced the way the boi acts here. Communication, if it takes place at all, is very monosyllabic and unfriendly. On the one hand, I don't need the LTR visa and on the other hand, the whole procedure leaves such a bad impression that I am really looking for other destinations. I have been thinking about Malaysia for a while now and will look into it more closely.

So far, I find the processing of my LTR visa application to be a complete disaster. The official was obviously unable to interpret my pension notice and requested a lot of other documents such as my deposit statement. When I sorted that out, the issue of my health insurance began. I have internationally valid private health insurance. A current insurance certificate that I presented did not prevent the official from asking for a receipt from the health insurance company that I had paid contributions. When I provided this, he now wants written confirmation from my health insurance company that they will not cancel my contract or change the tariff while I am in Thailand. The official had already requested the insurance terms and conditions and everything is in there. I referred to this but they only replied that they would check it when I presented the letter from the health insurance company. I could go mad. No insurance company puts up with such a kindergarten drama. I can no longer believe that this is all pure incompetence. I am slowly beginning to suspect that this is being blocked on purpose. Of course I can use one of these agencies for 81,000 Baht. Then it will probably be sorted out very quickly, as everyone can imagine. But I don't see that as a good idea, because my case is really simple and there are no doubts about it. Has anyone had similar experiences?