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Many people are looking to retire to Thailand that has consistently been named as one of the best places in the world for people's "golden years". But like any country that is keen to attract retirees there are important rules to be aware of. And these rules - especially in terms of insurance coverage - have been affected by the fallout from the coronavirus pandemic. Prior to the pandemic in 2019 people over the age of 50 were able to apply for an OA visa in embassies and consulates abroad along with an approved policy allowing for 40,000 baht outpatient care and 400,000 baht in-patient. However, earlier in 2021 the rules changed meaning that henceforth the coverage needed to be $100,000 or three million baht to cover medical expenses and Covid treatment should either be required. Such policies can be obtained from both foreign and local health insurers and many offer attractive packages. The Thai authorities instigated the new rules after many left without paying hospital bills. The new rules hope to overcome this 100 million baht shortfall but also provide retirees with peace of mind for a successful life in the Kingdom of Thailand. Policies are available that are designed with expat needs in mind and vary according to the age and specific needs of the policy holder. People should look out for features such as direct billing, bonus medical check-ups and in-house medical teams that can speak English and other languages to facilitate and help the potential policy holder. Coverage for couples as well as children is also part of a wider issue and can be discussed with responsible companies. In a latest survey in October a total of 3,768 have applied for the one year OA visa in the last year, said Mr Sathit Pitutecha, deputy minister of public health. In announcing the new requirements that were approved by the government back in June, Mr Sathit said that current visa holders can submit an application for a new policy from many sources including in their home countries. The Department of Health Service Support in Thailand said that this type of visa is granted to elderly people from overseas who cannot take out insurance in Thailand or where their insurance certification form is not valid for Thailand's systems, reported local media. Taking out health insurance from foreign countries would also help reduce the issue of visa extensions. More information on Long Stay Visa Health Insurance Plans can be found here.

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Options for where to enjoy the various Christmas Eve, Christmas Day and New Years Eve parties throughout Pattaya To get your event listed please email [email protected]

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Many companies recognize the physical toll that “always-on” company culture takes on employees, and offer health insurance, wellness programs, and other health-related benefits to help. However, more employers are now starting to take mental and emotional health at work seriously as well. This makes sense, as emotional health plays a vital role in chronic health conditions. Plus, stress, burnout, and mental illness can affect the health of your business. Let’s take a closer look at mental health benefits and why they’ve become a top priority for employers in this article from our friends at Pacific Prime Thailand. Why mental health benefits are important Often offered as part of a comprehensive health insurance plan, mental health benefits help improve and alleviate mental health symptoms experienced by the workforce. These benefits typically provide an additional level of support to employees when they need it, and can provide substantial returns for companies. Better mental health at work starts with providing the right benefits, which are designed to improve employees’ overall health, prevent burnout, and improve productivity. Mental health benefits can help address mental health stigma at work, help employees who are returning to the workplace, and support remote employees. These are just some of the many reasons why mental health benefits have become a leading priority for employers in 2021. Prioritizing employee mental health Due to the ongoing COVID-19 pandemic, 92% of UK employers have prioritized employee mental health - with an emphasis on emotional wellbeing and support. The growing need for mental health benefits became evident in 2020, as pandemic-related restrictions such as working from home and social isolation led to mental health concerns. At the start of 2021, many employers began looking for ways to protect their workforces’ mental health, such as through direct surveys and communication channels. For example, HSBC now measures employees’ mental health to come up with suitable solutions while Bank of America offers access to enhanced mental health resources. Nike, LinkedIn, Hubspot, Bumble, and Zalando are some of several companies that have chosen to offer employees paid time off to help alleviate some of the pressure. Even though solutions such as these are not realistic for companies of all shapes and sizes, offering mental health benefits can be instrumental in combating mental health issues. Employee Assistance Programs (EAPs) are rising in popularity Employee Assistance Programs (EAPs) are employer-sponsored programs that help employees navigate personal and/or work-related problems that may affect their physical, mental, and emotional health - as well as their productivity. As more employees are experiencing anxiety, stress, and burnout, they are also becoming more proactive about seeking proper care. In fact, 70% of employers surveyed witnessed an increase in EAP utilization, showing employees’ willingness to ask for mental health help. Now is an ideal time for employers to promote EAP services to their employees, as well as evaluate their wellness offerings to come up with more holistic solutions. According to Pacific Prime’s State of Health Insurance 2020-2021 Report, the most popular EAP services include: Practical advice Structured online counselling Life coaching Stress reduction courses Mindfulness training And more EAP services are designed to help employees manage life’s stressors by offering valuable resources and tools. They can support situations like family matters, professional or personal relationships, traumatic events, and professional development. Likewise, they can be helpful for employees working from home who struggle with work-life balance. EAPs essentially offer an excellent way for employees to receive the confidential support they need, making them a valuable part of any employee benefits plan. Utilizing telehealth for mental health support Telehealth allows patients to receive healthcare services remotely and has become essential during the COVID-19 pandemic. In 2021, virtual mental health consultations witnessed a 3,000% increase while virtual physical health consultations grew by 400%. Telehealth is not a cure-all, but it is an effective solution for connecting employees to health services whenever they need it. Since telehealth services will only improve with time, early adoption of this mental health benefit can help employees and businesses alike in the long run. Dive deep into employee benefits with Pacific Prime Now that you understand why more employers are turning to mental health benefits, you’re probably considering your own employee benefits offerings. But before you make any changes to your employee benefits package, download your free copy of Pacific Prime’s Global Employee Benefits Trends Report 2021 for more insights into the global employee benefits landscape. The report covers six benefits trends globally, complete with case studies, statistics, and tips for implementing them. Have any questions about employee benefits or health insurance? As a leading employee benefits specialist and insurance broker with over two decades of industry experience, Pacific Prime Thailand is here to help. Contact Pacific Prime Thailand for impartial insurance advice and a tailored plan comparison today!

Frozen premium wagyu beef is supplied all over Thailand. We also supply breeding wagyu cattle for your own farm. Sangsee farm is located in Yasothon and visitors are welcome to look around and enjoy a steak, call ahead first All Sangsee farm beef is pasture raised , about 18 months , then grain fed for a further 12 months, all to the highest of standards. Quality, flavor and tenderness as good as any comparable import , or your money back Sangsee farm stands 100% behind its product Wagyu beef packs 8 & 16 kg MS4 ,21 day dry aged , cryovac packed and frozen , steaks are 25 mm thick 16 kg pack contains 1kg rib eye steaks 1kg sirloin steaks 2kg T-bone steaks 1kg sirloin tip steaks 1kg chuck steaks 1kg top round steaks 1kg bottom round steaks 2kg brisket 1kg short ribs 1kg shank 1kg macreuse 1kg paleron 2kg ground beef mince 8kg packs half the amount of above 16kg packs 10000 bt incl delivery 8kg packs 5500 bt incl delivery Testimonials We visited Sangsee farm and were very impressed , we sampled some rump steaks for lunch , which were very tender and had really good flavour, we took home a 16 kg pack and we are going back for more John Rutherford I got this package and must say it’s excellent , the delivery was frozen, easy to deal with the supplier and best of all the meat tasted great and is very tender, well worth the money, Eugene Contact details for orders and questions Sangsee farm page on Facebook , lots of videos , photos and information Email [email protected] Ph. 0800213772

To sleep deeply, your body needs complete relaxation. A latex mattress is designed for this: fitting snugly around your body in any sleeping position, so that your back, neck and spine are always supported. It breathes, so you are never too warm or too cold. This helps you relax more easily so that you sleep deeply the whole night long. After you have fallen asleep, you need to stay asleep. But ordinary mattresses have the problem of 'movement transfer:' when your partner moves, you can feel that, so you often involuntarily wake each other up. A latex mattress does not transfer movement, so that you stay asleep when your partner turns over. A latex mattress helps you sleep better by keeping your body relaxed, cool, and comfortable all night long. All these advantages come from the honest material of the Hevea Brazilensis, a rubber tree that is grown in Thailand. Genuine natural latex: ✦ is self-ventilating for cool and comfortable sleeping ✦ disperses heat ✦ eases tension in the spine and joints ✦ is hypo-allergenic, ideal for people who suffer from asthma or hay fever ✦ is resistant to dust mite, bacteria, and mold. You can feel secure that your mattress is clean and healthy ✦ helps capillary blood flow ✦ is 100% natural and comes from a renewable resource ✦ is biodegradable For more information, visit: https://www.latexinnovations.com/

The term pre-existing condition can sometimes mean bad news when it comes to health insurance. However, it is still possible to get health insurance if you have a pre-existing condition. It may cost you more, but not always, and it may take longer for your application to be approved. But it normally does not mean that you won’t be able to get cover. What is a pre-existing condition? A pre-existing condition is anything you have had medical treatment for in the past. This includes medication, consultations, illness or injury, tests, surgery or any other form of treatment prior to taking out the insurance policy. Each insurer will have their own definitions of a pre-existing condition but they usually include things like: Heart disease High blood pressure Diabetes Strokes Osteoarthritis Cancer HIV/AIDS Severe obesity Pregnancy Kidney disease Recent treatment for things such as drug or alcohol abuse are also likely to be considered as a pre-existing condition. In fact, most insurers will count any condition you may have had symptoms or treatment for within the last five years as a pre-existing condition. The insurer will also consider the severity of the condition. If the severity of the condition was only small, it may not have any impact on your application. Pre-existing conditions are just one of several factors that insurers will take into consideration when you apply for cover. Other aspects such as your age, overall health, job, location and whether you have a history of smoking or drinking are also some things that may be considered. How will an insurer know if you have a pre-existing condition? You need to tell them. During the application you will be asked questions related to your overall health and lifestyle. This includes things like your height and weight, how much alcohol you drink, if you smoke and if you have any pre-existing conditions. You need to make sure you answer the questions correctly and truthfully, this applies to all questions, including ones about your medical history. If you don’t, your insurer may charge you more for cover or they may not be able to cover you at all. More seriously, any policy you do have in place may be cancelled or invalidated. What cover can you get? Most insurers will allow you to take out health insurance if you have a pre-existing condition. But many will not pay out should you require treatment for that condition. For example, if you have diabetes, a policy would pay for treatment if you broke your arm but not for treatment for diabetes. Some insurers will agree to cover certain conditions, particularly if they think they are minor or unlikely to occur again at some point in the future. Some insurers will also likely cover you if you have been symptom free of your condition for at least five years. Where to find health insurance? Having a pre-existing condition doesn’t have to put you off applying for health insurance. There are ways in which you can get cover or even reduce your premiums. It may take a little longer to get approval, but it doesn’t necessarily mean you won’t be able to get cover. If you are interested in health insurance tailor made for you, Aetna offers a variety of individual and family health insurance plans to suit different needs. For more information on health insurance, including a choice of coverage up to 30M baht and premiums starting from just 882 baht/month* contact Aetna now

You wouldn’t think twice about not insuring your home or car, but some people don’t think the same when it comes to health insurance. Why get health insurance in Thailand? Health insurance is designed to ensure that if you need medical treatment at some point in the future while living in Thailand you wont need to worry about paying for the cost of the treatment. You can also be assured of receiving a superior standard of care to what may be otherwise available. If you need to be treated in a private hospital in Thailand, health insurance will pay for all or some of the medical costs, depending on your policy. Having private health insurance should ensure you are diagnosed and treated quickly, as well as giving you access to a consultant and admission to a private hospital that will ensure the best possible level of care and convenience. You could even have a choice of private hospitals from an agreed list or network of medical facilities provided by your insurer. Private hospitals in Thailand will provide you with your own room, TV, choice of food and other comforts that are otherwise unlikely to be available as a normal patient. In brief, the main benefits of having health insurance in Thailand include: No or much shorter waiting times Faster diagnosis Better facilities Choose from a wider range of facilities A choice of convenient times for appointments and treatments Health insurance in Thailand: What it does and does not cover Your health insurance policy will provide you cover for a wide range of things, including hospital stays, exclusive drugs, treatments, scans and surgeries. Inpatient treatments are those times when you need a hospital bed and are almost always included in most plans. Outpatient treatment refers to when you need to visit a specialist or consultant who are normally available in more comprehensive or premium plans. Different policies will offer different options with regards to both inpatient and outpatient care. Things that are not usually covered in health insurance policies include any existing or chronic conditions or problems, A&E visits (although this can also be policy dependent), organ transplants, normal pregnancy and non essential cosmetic treatments. Treatment for alcohol or drug abuse are also unlikely to be covered. What are the alternatives to health insurance? The alternative to health insurance for expats in Thailand is to go it alone, and pay for any medical treatment as and when you need it. However, this carries huge risks and the potential of a financial burden that you have not budgeted for. Even treatment for a relatively minor injury, such as a broken wrist, treatment for a dog bite or food poisoning, as examples, can cost into the tens of thousands of Baht. Treatment for something such as a heart attack, stroke or other life threatening conditions can cost into the millions of Baht. By not having health insurance, you may also have limited options when it comes to where you receive your treatment and there could be a waiting period before you receive the treatment. For more information on health insurance, including a choice of coverage up to 30M baht and premiums starting from just 882 baht/month* contact Aetna now

With a growing number of international standard schools, affordable living, year round great weather, fantastic food and excellent healthcare, Thailand is a great place for expat parents to raise a family. The major Thai government hospitals are generally of a good standard but an excellent level of healthcare is available to patients at the country’s private hospitals. And while private healthcare is more affordable in Thailand than in the United States or regional neighbour Singapore, as examples, costs can still be considerable. For expat families and those with young children, medical costs can quickly balloon, especially for youngsters who may require frequent visits to the doctor. What is health insurance for children? Typically, child health insurance is a type of insurance package that covers children under the age of 18. The insurance will provide coverage for treatments of a wide variety of situations, from the common cold to more serious illnesses, which are normally less predictable. The insurance provides the best access to treatment for your children at the times when they need it most. For parents, it helps to provide both mental and financial wellbeing during what could be a concerning and challenging time. Why do children need medical insurance? Children get sick more often It’s a fact of life that children get sick more often than adults. Their immune system is still developing, meaning they are more susceptible to illness. Because they haven’t yet built up the immunity, they are prone to lots of colds simply because their bodies are not yet able to fight off the viruses around us. Once they start kindergarten or school and are in contact with many other children, so too do they come into contact with more viruses. Kids being kids are also less rigorous when it comes to hygiene, particularly hand washing, which can also result in increased chances of becoming sick. While colds and flu are not severe, other illnesses can be, particularly for children. Some of the most common illnesses in children include: Bronchiolitis Chicken pox Colds Croup Diarrhoea Ear infection Fever Food allergies Measles Rubella Skin infection Sore throat Vomiting Whooping cough In tropical Thailand, there are other illnesses which can be serious amongst both children and adults. Mosquito borne virus infections and diseases such as Malaria, Zika and Japanese Encephalitis can be life threatening. Thailand's hot climate can also increase the risk of food poisoning or water borne diseases. Children in Thailand may also be at risk from other serious diseases such as Tuberculosis, with the World Health Organisation classifying Thailand as one of the 30 countries in the world's highest TB burden. Children are more accident prone Just as children are more likely to get sick, they are also more likely to have an accident than adults. Children are more likely to require immediate medical treatment. Some of the most common injuries in children include: falls poisoning burns and scalds choking, strangling and suffocation crushing and trapping smoke, fire and flames In Thailand, road traffic accidents, bites from street dogs and drowning are other common causes of injuries. Children need vaccinations Routine vaccinations for babies and pre-school children play a significant role in helping to build their immune system well into adulthood. While Thai children have access to subsidised and free vaccinations, this is not always the case for expat children. Costs of vaccinations at a private hospital in Thailand can be significant. However, it can be covered under the correct child health insurance plan. If you want to provide the best level of care for your family or children, Aetna offers a range of insurance plans to suit you. From coverage for your newborn to an insurance plan that covers the whole family, Aetna’s health insurance packages can give you access to the right level of health care, without straining your finances. For more information, contact Aetna today

One of Thailand's leading Real Estate Brokers 'Siam Real Estate' is now accepting cryptocurrencies for houses, villas, condos, land and rentals. Siam Real Estate has partnered with Bitkub, Thailand's leading cryptocurrency exchange. As a result of our relationship with Bitkub, all clients who wish to become owners of Siam Real Estate properties now have another payment option. Siam Real Estate offers over 15,000 property listings in Phuket, Bangkok, Pattaya, Hua-Hin, Koh Samui, Krabi, Phang Nga, and Chiang Mai, including new property projects, residences, villas, condominiums, apartments, land plots, and long-term rentals. With the current rapid rise of cryptocurrencies, it is a tremendous chance for us to acquire more about this business and offer our clients with other payment options. Bitkub also utilizes cost-effective infrastructure for accepting cryptocurrencies, allowing for rapid transactions and simple trading procedures. Mr. Richard Lusted, CEO of Siam Real Estate said “We are very excited to be able to offer clients of Siam Real Estate the option to purchase or rent properties by barter trade with cryptocurrencies through Bitkub. At Siam Real Estate we are always looking to incorporate new technologies into our real estate business to improve the buying, selling and rental experience for our clients.” Mr. Atthakrit Chimplapibul, CEO of Bitkub Online Co., Ltd. revealed that “With Bitkub collaborating with Siam Real Estate, it is one step closer to entering the digital world for all clients. Trading real estate with cryptocurrency increases accessibility for both clients and businesses because the transaction takes only a few minutes to complete, and the charge is negligible. With the fast expansion of account users, Bitkub is still working to maintain and enhance our platform so that all customers can get the most out of it. Furthermore, Siam Real Estate has a diverse range of lodging alternatives, allowing all clients to benefit from the best products and services.” Bitkub Online Co., Ltd. has a reliable infrastructure in place to facilitate the use of cryptocurrencies while also protecting user data and be able to make financial transactions on Bitkub securely. Furthermore, identity verification (KYC) is permitted under government rules in order to avoid money laundering and asset misappropriation. Bitkub also offers a customer service staff that is accessible to help consumers 24 hours a day. As a consequence, clients who are interested in Siam Real Estate properties may exchange cryptocurrencies to access the best services and products via the Bitkub wallet. The steps are as follows : Get your Bitkub Wallet ready or register Bitkub Wallet through KYC process at https://www.bitkub.com/signup Prepare your crypto coins in the Wallet for barter trade. Transfer selected coins to Wallet using a QR CODE created by the staff. Wait for confirmation. For further details please contact us at [email protected] Visit: Thailand Real Estate | Properties for Sale & Rent | SiamRealEstate

One of Thailand's leading Real Estate Brokers 'Siam Real Estate' is now accepting cryptocurrencies for houses, villas, condos, land and rentals. Siam Real Estate has partnered with Bitkub, Thailand's leading cryptocurrency exchange. As a result of our relationship with Bitkub, all clients who wish to become owners of Siam Real Estate properties now have another payment option. Siam Real Estate offers over 15,000 property listings in Phuket, Bangkok, Pattaya, Hua-Hin, Koh Samui, Krabi, Phang Nga, and Chiang Mai, including new property projects, residences, villas, condominiums, apartments, land plots, and long-term rentals. With the current rapid rise of cryptocurrencies, it is a tremendous chance for us to acquire more about this business and offer our clients with other payment options. Bitkub also utilizes cost-effective infrastructure for accepting cryptocurrencies, allowing for rapid transactions and simple trading procedures. Mr. Richard Lusted, CEO of Siam Real Estate said “We are very excited to be able to offer clients of Siam Real Estate the option to purchase or rent properties by barter trade with cryptocurrencies through Bitkub. At Siam Real Estate we are always looking to incorporate new technologies into our real estate business to improve the buying, selling and rental experience for our clients.” Mr. Atthakrit Chimplapibul, CEO of Bitkub Online Co., Ltd. revealed that “With Bitkub collaborating with Siam Real Estate, it is one step closer to entering the digital world for all clients. Trading real estate with cryptocurrency increases accessibility for both clients and businesses because the transaction takes only a few minutes to complete, and the charge is negligible. With the fast expansion of account users, Bitkub is still working to maintain and enhance our platform so that all customers can get the most out of it. Furthermore, Siam Real Estate has a diverse range of lodging alternatives, allowing all clients to benefit from the best products and services.” Bitkub Online Co., Ltd. has a reliable infrastructure in place to facilitate the use of cryptocurrencies while also protecting user data and be able to make financial transactions on Bitkub securely. Furthermore, identity verification (KYC) is permitted under government rules in order to avoid money laundering and asset misappropriation. Bitkub also offers a customer service staff that is accessible to help consumers 24 hours a day. As a consequence, clients who are interested in Siam Real Estate properties may exchange cryptocurrencies to access the best services and products via the Bitkub wallet. The steps are as follows : Get your Bitkub Wallet ready or register Bitkub Wallet through KYC process at https://www.bitkub.com/signup Prepare your crypto coins in the Wallet for barter trade. Transfer selected coins to Wallet using a QR CODE created by the staff. Wait for confirmation. For further details please contact us at [email protected] Visit: Thailand Real Estate | Properties for Sale & Rent | SiamRealEstate

From gourmet sausages to fresh bagels, Indian curries to smoked hams, savoury pies to sweet treats, Deli Thailand has the taste of home right here in Thailand. Reasonable prices and a great selection - come take a look at https://deli.in.th Deli Thailand https://deli.in.th

This winter, whatever weather may come our way in the Kingdom’s capital, Bangkok Snow Removal is ready. With intriguing “what if” artwork featuring Bangkok landmarks and street scenes covered in fresh, white snow, Bangkok Snow Removal’s beautiful images will capture your imagination while helping you to complete your holiday shopping list. Our online products range from wall and desk calendars to greeting cards and postcards along with cans of Bangkok Air for friends overseas who miss the city’s unique aroma. Additional items on sale at fairs vary from jigsaw puzzles to fridge magnets and coasters. For corporate or large personal orders, we can add your company logo, colors and message to our winter wonderland images to create one-of-a-kind corporate cards and calendars your clients and friends will treasure. Why Bangkok Snow Removal clients often ask? After a ten-year exhaustive study into the Bangkok service industry, Dr Tim was surprised to learn one sector remained unfulfilled – snow removal and applied his experience gained from a childhood in Canada, to set up Bangkok’s first snow removal service. Unfortunately, after an extensive campaign to provide Bangkok clients with snow removal protection, it was obvious this service remains both unnecessary given current economic and climatic conditions. Not to be disheartened and with an image as to how a light snowfall can make the dullest urban setting turn into a wonderland of bright, clean, crisp colors offset by virgin-white snow, we commissioned local artists to paint city scenes highlighting the would-be beauty Bangkokians could experience should it snow. To learn more about our cards and calendars, large canvas prints or photographs, copywrite fees if you wish to produce something on your own, please visit https://bangkoksnowremoval.com/ or send us an email at [email protected] to enquire about printing and publishing options, timing, and costs.

This winter, whatever weather may come our way in the Kingdom’s capital, Bangkok Snow Removal is ready. With intriguing “what if” artwork featuring Bangkok landmarks and street scenes covered in fresh, white snow, Bangkok Snow Removal’s beautiful images will capture your imagination while helping you to complete your holiday shopping list. Our online products range from wall and desk calendars to greeting cards and postcards along with cans of Bangkok Air for friends overseas who miss the city’s unique aroma. Additional items on sale at fairs vary from jigsaw puzzles to fridge magnets and coasters. For corporate or large personal orders, we can add your company logo, colors and message to our winter wonderland images to create one-of-a-kind corporate cards and calendars your clients and friends will treasure. Why Bangkok Snow Removal clients often ask? After a ten-year exhaustive study into the Bangkok service industry, Dr Tim was surprised to learn one sector remained unfulfilled – snow removal and applied his experience gained from a childhood in Canada, to set up Bangkok’s first snow removal service. Unfortunately, after an extensive campaign to provide Bangkok clients with snow removal protection, it was obvious this service remains both unnecessary given current economic and climatic conditions. Not to be disheartened and with an image as to how a light snowfall can make the dullest urban setting turn into a wonderland of bright, clean, crisp colors offset by virgin-white snow, we commissioned local artists to paint city scenes highlighting the would-be beauty Bangkokians could experience should it snow. To learn more about our cards and calendars, large canvas prints or photographs, copywrite fees if you wish to produce something on your own, please visit https://bangkoksnowremoval.com/ or send us an email at [email protected] to enquire about printing and publishing options, timing, and costs.

Picture dozens of beautiful, lotus-shaped rafts (krathongs) decorated with an array of flowers and lighted candles drifting along rivers and canals. The full moon of the 12th lunar month (falling on November 19th this year) illuminates the night sky as people gather to pay respects to the goddess of water by floating (loy) said krathongs. It’s no wonder that Loy Krathong is referred to as the festival of lights in Thailand. As this magical sight is definitely not to be missed, our friends from Pacific Prime Thailand are here to tell you how to celebrate the Loy Krathong festival in 2021. The significance of Loy Krathong in Thailand Let’s begin by unpacking Loy Krathong’s significance. Traditionally, the festival occurs at the end of the main rice harvest season so people thank the goddess of water for a year’s worth of abundance and apologize for polluting the waters. Some also symbolically “float away” negative feelings like anger and resentment. Legend also has it that if the candle stays alight whilst the krathong is still in sight then this will usher in a year of good luck and fortune for the individual. A word about the Yi Peng festival If you head up to Chiang Mai (or other provinces in northern Thailand), you’ll also see lanterns in the sky this time of year*. Known as the ‘Thai Lantern Festival’, Yi Peng festival was celebrated since the time of the ancient Lanna Kingdom. In those days, lanterns were used to signal the end of the dark, rainy season and the transition to lighter and cooler times. Nowadays, it’s often incorporated into the festivities of Loy Krathong. *Due to COVID-19 safety measures, lanterns won’t be allowed this year. Float a krathong and join in the festivities So, how does one celebrate Loy Krathong? Simple. Buy a krathong (there should be plenty on sale near bodies of water), head to a river, lake, or canal, and float your krathong. Many places also host cultural activities such as traditional thai dance, krathong-making competitions, and beauty pageants. If you’re up north, you can also release a lantern. That being said, some people have started doing so in Bangkok and other parts of Thailand. One popular venue in Bangkok is Asiatique, where you'll find incredible shows. The main event includes a retelling of the Loy Krathong history through music and dance, as well as an impressive krathong release procession. Other options are community malls and piers along the Chao Phraya river, or even parks with big lakes like Benjasiri Park, Benjakitti Park, and Lumpini Park. The city’s temples like Wat Pho and Wat Arun are also a good bet for a night to remember. Note: You may also want to check out riverside hotels for Loy Krathong events, which tends to be more exclusive as an experience. Making your own krathong If you like to get crafty and unleash your creativity, you can also make your own krathong. You’ll need a banana tree trunk for the base, banana leaves (the folded pieces are placed around the krathong), and flowers as deocrations. In the center of the krathong, you can add a lit candle and three incense sticks, as well as items like a lock of hair or finger nail to get rid of negative energy from the past. You can also add coins as a way to make merit and welcome wealth. Note: Whether you’re buying or making your krathong, it’s important to stick to biodegradable materials to avoid polluting the environment. Stay clear from krathongs that are made from styrofoam. Staying safe during the celebrations Celebrations are happy and fun times, where one tends to let one’s guard down. But it’s equally important to prioritise health and safety. An expat health insurance plan from Pacific Prime Thailand gives you the peace of mind that comes with knowing you’re covered. Contact their team of insurance experts today for unbiased advice, a free quote, and help every step of the way!

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With the end of the year fast approaching, people will naturally begin planning for the year ahead. When you make those resolutions in January, it is fair to say that health insurance probably isn’t at the top of your list. But making sure you have adequate health coverage can dramatically improve both your overall physical and financial health. Those who are already insured take comfort from the fact they know they will be taken care of in the event something unexpected happens. And if you think you can not afford insurance, you should consider what might happen if you don’t have insurance. It offers you peace of mind, should something go wrong or something occur which you didn’t plan for. No one ever plans to have an accident, get sick or hurt, but these issues often occur when we least expect it. It could be a broken bone, a sports injury, a car accident, or you could be diagnosed with a serious health condition - all of which could leave you with staggering medical bills. And it is not just in a figurative sense that having health insurance can bring “peace of mind” but a literal one too. A study carried by the Department of Psychology at Princeton University found that having health insurance may contribute to a reduction in stress and cortisol levels. The researchers who carried out the study said “stress is strongly associated with environmental uncertainty and volatility.” If not having health insurance brings uncertainty to one's life, then having health insurance is a straightforward way of bringing a level of predictability, which in turn can help to mitigate stress and anxiety. Meanwhile, a study published in The New England Journal of Medicine, which was carried out in Oregon, found a link between having health insurance and a 30% reduction in depression. The study found that depression can be related to people worrying or uncertainty about future events. The more prepared someone is for potentially unpredictable events, the more hopeful they are of the future and consequently less likely to be depressed. If you are having problems figuring out your options for health insurance or have questions about coverage options for you and your family, Aetna offers a variety of individual and family health insurance plans to suit different needs. Aetna offers a range of visa-compliant plans that meet the minimum requirement of medical treatment, including COVID-19, up to THB 3m. For more information on Long Stay Visa insurance plans.