Canoodler

Thanks, If only I could turn the clock back in Time.

With my Cigna policy I currently have a deductible amount that I have to pay upfront of 1,000 GBP ( around 42,000.00 Baht ) and below is other amounts on offer ...... £2000 ( 85,935.86 Thai Baht ) deductible = £389.36 per month. £5000 deductible ( 214,839.65 Thai Baht ) = £345.15 per month. £6650 deductible ( 285, 736.73 Thai Baht ) = £307.70 per month.

With my Cigna policy I have a deductible amount that I have to pay upfront of 1,000 GBP ( around 42,000.00 Baht ) . The Cigna policy covers me for up to 14 million Baht in any 1 year .

From what I understand if I return back to the UK and seek medical attention using the British NHS , to comply to access medical treatment , I may have to reside in the UK for a previous 6 months. The other thorn in my side would be locating accommodation in the UK ( all my family have passed away ) and paying for accommodation could be expensive

Thanks, The changing from a retirement visa option ( 800,000.00 Baht ) to a married visa option ( 400,000.00 Baht ) is an option I had not thought of , doing that would release 400,000.00 Baht back into my Thai bank savings account. The other option that went through my mind , and I understand it can be some what risky , would be to use a ‘’ Visa Agent ‘’ that may cost around 25,000.00 Baht each year. Doing the visa ‘’ agent ‘’ would then free up the 800,000.00 Baht that was being used for a retirement visa.

Thanks, My health has always been very good, no real health problems or having to be an inpatient in a hospital, and my blood pressure has always been in the normal range. As for searching for a less expensive health insurance provider, at my age it was sorry , no or the premium cost was far higher than I'm currently paying

Thanks, The idea of investing some of the 2 million Baht in my savings account , has gone through my mind, but it felt a bit scary.

So I now find my self is a worrying and stressful situation where my private health insurance monthly cost has just increased to a point where its now becoming a financial burden thats making me think about terminating my private health insurance policy . I’m a 75 years old retired expat who has lived permanently in Thailand for 20 years and has a wonderful Thai wife and no children . So this is my current situation ......... I receive a British state pension and a small private pension amounting to a total of 30,000.00 Baht a month. The British state pension has been frozen for 20 years. I have no other income . I have a Thai bank savings account balance of just over 2 Million Baht. My private health insurance monthly payment has just increased to 18,500 Baht a month. I have had my private health insurance ( with a company called Cigna / inpatient only ) for over 10 years and I have never made a claim . Due to my financial situation we live a quite and simple village life in the house I had built 20 years ago. My Thai wife is disabled so not able to work. For my visa situation, I use the retirement option extended every year , and need to have 800,00.00 Thai Baht in my Thai bank account. Personally I am in good health , and have never had a serious illness or had to be admitted to hospital as an inpatient . The recent private health insurance cost increase to 18,500 Baht a month ( 222,000,00 Baht a year ) is causing a very stressful and worrying situation , to the point where now I’m considering terminating my private health insurance . Monthly total income ( pension payments ) = 30,000.00 Baht , minus – 18,500 Baht private pension payment leaves a monthly balance of 11,500.00 Baht. So as you can see the monthly amount I’m left with after paying the private health monthly payment , is very small . Currently I am having to withdraw money from my Thai bank savings account every month to make up any shortfall and we try to keep our spending to the minimum. Taking into consideration my poor current financial situation , I can think of no other option but to terminate my private health insurance , and just keep my fingers firmly crossed that should I need hospital medical inpatient treatment , the treatment cost involved would not empty my Thai bank savings account balance. If I did terminate my current private health insurance policy , that would leave me in the position of having 30,000.00 Baht income every month , which I’m sure we could live on without too many problems, or having to use money from my Thai bank savings account . As a side note, I have though about returning back to the UK or the Philippians to try and get my British state pension un frozen, but at my age ( 75 ) and the cost / effort involved , seemed not worth it. So any thoughts or constructive advice on my above situation would be very welcome . .