4 hours ago, niebla said:

The big question is if and when this will apply to Non-O retirement extensions. Some of us already have Thai policies for inpatient and or international policies that cover Thailand medical expenses. Outpatient coverage is just not cost effective as the outpatient costs are low, the policy prices are high and the coverage is minimal.

Just to make a point, outpatient costs are not always as low as you might think.  i can speak here from personal experience.

 

When I was having radiotherapy at Chula, in Bangkok, which is a Thai Red Cross hospital, each session cost 4000 Baht and I had 30 sessions over the space of six weeks.  The sessions were all done as an outpatient and the total cost was far in excess of the 40kBaht that would have been provided by the mandated insurance scheme.

 

In the same year, I also had eight hormone suppression treatments, again as an outpatient, at a cost of 20kBaht  per session so the 40kBaht insurance cover would not have gone very far at all.

 

I think that this points out two things:  outpatient treatment is not necessarily cheap and also the cover offered by the mandated insurance scheme might well be woefully inadequate in some cases.  I'm not defending the scheme in any way - seems like a nice little earner for the insurance companies and of little practical value.

31 minutes ago, rabas said:

4.   In case the permission of stay in the Kingdom exceeds the coverage period of health insurance, an immigration officer shall apply mutatin mutandid to Order of the Immigration Bureau no. 115/2553 dated June 29, 2919 concerning the Amendment of an immigration stamp in a passport and the Order of the Immigration Bureau no. 79/2557 dated April 1, 2014 concerning the Guideline in case of an alien's granted permission of stay in the Kingdom is not meet a visa class or visa exemption.

I take it this section means that Non-OAs will no longer be automatically given a 1-year stamp but will be stamped in for the remainder of their Insurance Policy, e.g. 

1. Arrive in Thailand on 1st November with a Non-OA & an Insurance Policy that starts on 1st November - Get stamped in for 1 year
2. Leave Thailand & re-enter on 1st May with same Non-OA/Insurance - Get stamped in for 6 months

 

 

4 hours ago, niebla said:

The big question is if and when this will apply to Non-O retirement extensions. Some of us already have Thai policies for inpatient and or international policies that cover Thailand medical expenses. Outpatient coverage is just not cost effective as the outpatient costs are low, the policy prices are high and the coverage is minimal.

 

They can't apply it to Non-O without first either amending the Immigration Law or issuing a new Cabinet resolution as the one issued in April was specific to OA.

 

Doesn't mean they can't, but does mean we'd have some advance warning. 

 

Also seems unlikely they have plans to do so now or they'd have made the recent Cabinet Resolution broader in the first place.

 

I have excellent international expat cover up to 1 million year, with direct billing arrngements at all the major hospitals here,, and no intention of dropping it in favor of the higher-priced, lower value  policies specified by Immigration.

 

 

22 hours ago, doctormann said:

Just to make a point, outpatient costs are not always as low as you might think.  i can speak here from personal experience.

 

When I was having radiotherapy at Chula, in Bangkok, which is a Thai Red Cross hospital, each session cost 4000 Baht and I had 30 sessions over the space of six weeks.  The sessions were all done as an outpatient and the total cost was far in excess of the 40kBaht that would have been provided by the mandated insurance scheme.

 

In the same year, I also had eight hormone suppression treatments, again as an outpatient, at a cost of 20kBaht  per session so the 40kBaht insurance cover would not have gone very far at all.

 

I think that this points out two things:  outpatient treatment is not necessarily cheap and also the cover offered by the mandated insurance scheme might well be woefully inadequate in some cases.  I'm not defending the scheme in any way - seems like a nice little earner for the insurance companies and of little practical value.

Would outpatient insurance cover these treatments? I agree outpatient treatments can be expensive but the Bupa and Aetna polices that I have had would only cover part, not all of these costs. My concern is the cost of the outpatient insurance vs. what they would pay for. Self insuring should be considered.

40/400 is by far not enough and the costs are way too high. Here again, governmental incompetence shows its ugly face. Targeted are foreigners on long stay visas, those who retire in Thailand. Means, older people with higher probability to need medical care. Not required are all other visitors. So they just force all high risk customers to take out the insurance while no low risk customers are required to do so. How on earth should that work? The idea of an insurance still is to distribute costs to the whole group of insured members. It only can work if there are bad and good risks.
Reportedly there are 80 000 retirement visa appliactions per year. They all are above 50 years old !

And how about those who already have international insurance coverage with far higher standards? Or those who are already insured in their home countries and keep travelling between home country and Thailand? Do they still have to buy a useless rubbish plan for big money in addition to their own plans?
I don't want to have to buy an insurance just to fulfill requirements while still need a good insurance when travelling abroad.
What a nonsense

I am struggling to understand the situation so can someone please explain what a non O visa is as opposed to a non OA. Non is what? O is what? A stands for what?

I have a non O issued nearly twenty years ago and extend on a retirement basis every year. I am married and used to extend on a marriage basis until it became too much of a hassle.

Will I need insurance to extend next time or when I return from a trip abroad?

Anyone in the know please explain in simple terms what the latest situation is.

Thanking you in advance

12 minutes ago, somo said:

I am struggling to understand the situation so can someone please explain what a non O visa is as opposed to a non OA. Non is what? O is what? A stands for what?

I have a non O issued nearly twenty years ago and extend on a retirement basis every year. I am married and used to extend on a marriage basis until it became too much of a hassle.

Will I need insurance to extend next time or when I return from a trip abroad?

Anyone in the know please explain in simple terms what the latest situation is.

Thanking you in advance

Don’t worry you are not affected if you are not on an OA visa.

 

You are an extension of your permission to stay based on retirement from a Non Immigrant O visa.

 

Only people who hold a current OA visa and possibly those on extension from an OA visa are subject to the mandatory health insurance.

On October 9, 2019 at 6:25 PM, Thaifriends said:

Do EU allow long stay foreigners without a mandatory health insurance?  No. Even for a non EU visitors, need travel insurance.

 

So why TH should not implement? Comments in the thread are similar to suggesting that a govt should have first taken their permission. 

 

This discussion is around a year old so there was enough time.

But many people DO have insurance, just not insurance from some dubious Thai insurer. That isn't good enough for immigrations.

20 hours ago, Suradit69 said:

But many people DO have insurance, just not insurance from some dubious Thai insurer. That isn't good enough for immigrations.

Exactly the point, it's the Thai insurance that is the problem.  The fact that they will not accept any foreign health insurance policy is the real problem and shows the true purpose of the new policy, not to insure that expats have insurance, but to insure that they have insurance that benefits a Thai Company

 

How long till I have to fly Thai International to come to Thailand ? 

 

Over 80s..

Does anyone here know what are the requirements for Nonb O-A people here who are over 80 and so unable to obtain insurance?

Any ideas, please?

1 hour ago, gazzabkk said:

Over 80s..

Does anyone here know what are the requirements for Nonb O-A people here who are over 80 and so unable to obtain insurance?

Any ideas, please?

You obtain a non o.

If you are on extension exit country without a reentry permit. That kills off your O-A. Then you have 2 options. Obtain a non-O at Thai consulate. Or re-enter Thailand on visa exempt and do conversion to non -O at immigration.

Prior to its expiry (90 day's) obtain 12 month extension. No insurance required.

@Peter Denis ....OP, this guy can help you

 

Edited March 5, 20206 yr by DrJack54

26 minutes ago, DrJack54 said:

You obtain a non o.

If you are on extension exit country without a reentry permit. That kills off your O-A. Then you have 2 options. Obtain a non-O at Thai consulate. Or re-enter Thailand on visa exempt and do conversion to non -O at immigration.

Prior to its expiry (90 day's) obtain 12 month extension. No insurance required.

Thank you very much, as I expected.

3 minutes ago, gazzabkk said:

Thank you very much, as I expected.

Just PM-ed you a comprehensive Roadmap outlining all details/options on how to apply for / convert to a Non Imm O - retirement Visa and subsequent extension.

>> To access your PM-messages just click the letter-icon next to your Profile when logged in to the Forum.

Foreigners were recently told to fxxk off by a Thai minister, and now they ask foreginers, brave enough to remain in toyland, to pay even more money for the pleasure of racism.

 

Lost soles, seeking attention in a land that hates them.

2 minutes ago, Sonhia said:

Lost soles, seeking attention in a land that hates them.

Is that a Dover Sole? https://thehappyfoodie.co.uk/recipes/dover-sole-a-la-meuniere

Just love the frothing over this 

 

Nothing gets a UK expat seething more than the thought of foreigners coming into the U.K. and abusing the NHS system yet think they should be able to abuse the Thai system (which has been repeatedly stated is the reason for the changes for all you conspiracist theorists) 

 

I’m not sure you’re going to find many countries that will want people that cannot or will not cover themselves. 

53 minutes ago, Sonhia said:

Foreigners were recently told to fxxk off by a Thai minister, and now they ask foreginers, brave enough to remain in toyland, to pay even more money for the pleasure of racism.

 

Lost soles, seeking attention in a land that hates them.

Pure paranoia