JJ-Thailand

I didn't buy it as it excluded all pre-existing conditions and I have a few. You could possibly fill in the forms and tell them that you don't have any pre-existing conditions and hope they won't find out but if they do you just committed insurance fraud. I think it's better to save the premiums in a bank account and use them for any future emergency, unless you are employed and a company is paying for the insurance.

Not cheap insurance, 200,000 Baht per year and inpatient only (+65).

The problem is with existing conditions, especially for old folks. The insurance company can claim that your heart attack, kidney failure, fatty lever or whatever is because of your mild diabetes or slightly high blood pressure or some other existing condition, and they will refuse to pay.

International health insurance companies like Cigna and Allianz often refuse to pay but are very expensive. I have no health insurance at all, saving the hypothetical premiums instead and can use the money for any future emergency.

I have been living in Thailand 26 years and the only time I get stressed is when I visit the Thai Immigration office for my visa extension. What new rules, regulations and forms have they invented this time?

Try another branch or open an account in another bank.

Where I live, we have had this demand for over 2 years already. I always go to the bank to arrange for this in the morning and to the Immigration in the afternoon the same day.

If it is terminal, you don't need any funds.

Did he learn his lesson and give up politics? I don't think so.

Existing conditions is the biggest problem with health insurances, especially for old folks. The insurance company can claim that your heart attack, kidney failure, fatty lever or whatever is because of your mild diabetes or slightly high blood pressure or some other existing condition, and they will refuse to pay. Better to save the hypothetical insurance premiums in a Thai bank account and use for any emergency or treatment.

Note! Many hospitals now want payment in advance for operations, even an urgent one.

That would be nice but there are many plans in Thailand; Some actually become reality, some are hit with a U-turn and some are never talked about again.

Correct, I have noticed that the box or bag the product is delivered in is of the same size and design as before but with less content.

It might be possible to renew your driver's license online if you are younger than 50 or 55 but I'm not sure.

I was in the same situation as you a couple of years ago. I had an insurance with Allianz until I hit 61 when they raised the premiums; I then shifted to Cigna because they were cheaper. When I hit 65 Cigna raised the price by substantially, to 210,000 Baht per year, but after nagging I got a discount of 5% and landed at 200,000 Baht per year. That was two years ago, and I decided to skip the insurance and instead save 200,000 Baht per year that I can use for any emergency, not only health related. In the past two years I have spent about 40,000 Baht on hospital visits and presently have 360,000 Baht in my emergency fund and keep on saving the "Cigna premiums". Unless something goes terribly wrong, I will soon have 500,000-600,000 Baht that I can use for any emergency. Did I take the right decision? I think so.