O/A visa and insurance experience today

[moontang]

2 minutes ago, scubascuba3 said:

Unless you claim it seems

Well, you aren't going to get the no claim discount the next year, that is certain.  The entire business model for insurance is to collect premiums and avoid payouts..like that everywhere.  I don't think 10 million people in the UK get private insurance because socialized medicine is the answer.

[Tracyb]

2 minutes ago, scubascuba3 said:

I've read posts where people were saying if you claim too many times the premiums will shoot up, so one particular person stopped claiming and paid themselves. So maybe use the insurance for big value claims only

Yes, I understand they can raise premiums as much as 25% if one has a large claim.  One reason I chose a deductible and a certain level of self insurance.  I think one would find the same issue with almost any carrier, no?  I forgot to mention about the 10% reduction in premiums if you have no claims in the first year, 15% for second year, 20% for third year.  So if a small claim amount to less than 10% of the premium expected in the next year, best to suck it up and pay it yourself.

Edited November 25, 2019 by Tracyb
added info

[scubascuba3]

Just now, BritManToo said:

Do you consider 400k a big value claim?

Relatively big but we know claims can go in the millions. What you don't want is your premium to shoot up where you just cancel it

[scubascuba3]

1 minute ago, Tracyb said:

Yes, I understand they can raise premiums as much as 25% if one has a large claim.  One reason I chose a deductible and a certain level of self insurance.  I think one would find the same issue with almost any carrier, no?

Same for thai insurers it seems that's why many opt for farang insurance which aren't allowed to increase premiums due to claim history

[Sheryl]

The raising of premiums based on claim history is common to all the policies on the Immigration approved list and indeed to almost all Thai issued policies. Thai insurance regulations not only allow this but require the provision in all contract language.

 

Not allowable  in most western countries.

 

Which is one reason why those of us with foreign policies want to keep them.

[Tracyb]

3 minutes ago, BritManToo said:

Do you consider 400k a big value claim?

I guess it depends on your financial status.  Its all relative, I guess!

[scubascuba3]

3 minutes ago, moontang said:

Well, you aren't going to get the no claim discount the next year, that is certain. 

Plus premiums can be increased due to claims

[moontang]

Or, get a 15% discount with a 20k deductible.

[moontang]

1 minute ago, scubascuba3 said:

Plus premiums can be increased due to claims

Only fair to those, who stay healthy.  Plenty of people out there, who would rather inject insulin than change their diet.

[AAArdvark]

3 hours ago, Max69xl said:

Why did you have an old departure card in your passport? Immigration is supposed to take it when you're leaving the country,and you'll get a new when entering. 

I have the new one, un-stapled and I have the old one stapled.  I guess when you sit in one place all day stamping, mistakes can be made.

[MeePeeMai]

12 minutes ago, AAArdvark said:

I have the new one, un-stapled and I have the old one stapled.  I guess when you sit in one place all day stamping, mistakes can be made.

I wouldn't toss that old one.  They might ask you for it the next time you try to leave Thailand.

Edited November 25, 2019 by MeePeeMai

[kingofthemountain]

2 hours ago, Tracyb said:

I paid 72,000 baht.  They take cash, bank transfers, checks, and Visa or MasterCard.

Thank you for your answer

but damn it's a huge amount of money

i pay less than that for my appartment rent, and at least i use it every day ????

[Max69xl]

11 minutes ago, kingofthemountain said:

Thank you for your answer

but damn it's a huge amount of money

i pay less than that for my appartment rent, and at least i use it every day ????

From 66 years of age,the price goes up a lot. But I don't understand why go for an insurance that covers 3 million baht. 

[LivinLOS]

On 11/22/2019 at 1:31 AM, OJAS said:

I therefore look forward to hearing from you and @LivinL0S as to how the 2013 Directive relating to the maximum Embassy income confirmation validity period can be explained away, then. Below is the 2013 thread on this particular issue which I have now succeeded in unearthing:-

 

 

Income letters they no longer issue ?? 

[LivinLOS]

On 11/24/2019 at 2:21 AM, OJAS said:

 

 

Whereas there does exist 1 first-hand report from someone who originally entered Thailand on an OA visa in 2006 and who has successfully applied for a retirement extension at Chaengwattana since 1st November without having to show proof of health insurance - see @Hayduke's posting at #2 on the following thread:-

 

 

This user has made many conflicting and therefore impossible claims.. Arrival dates, not matching claimed extensions, not matching claimed visa / extension status.. 

Unless he provides images of all stamps.. Hes trolling. 

[LivinLOS]

On 11/24/2019 at 5:17 AM, Jingthing said:

Picture of his O-A or it didn't happen. Lots of uninformed people don't realize they started with an O rather than an O-A and think all people in the retirement system are classified as O-A. People -- BE SKEPTICAL. Also keep in mind many people on retirement are extremely aged and have a hard time making these kinds of differentiations. 

user hayduke has been shown to been making multiple opposite statements.. He seems to enjoy confusing the issues, even when educated on details (extension visa, re-entry etc) keeps making opposite statements. 

[LivinLOS]

On 11/24/2019 at 10:01 AM, Thaidream said:

especially since one is using a Government Hospital and the cost of an 80 year old Foreigner is the same as an 80 year old Thai.  

Is it tho.. 

 

Thais go along to the 30 baht healthcare with legitimate issues, to get given a paracetemol and told to go away.. Thais who get cancer are referred away to specialists in other cities and die while waiting or trying to see them.. Theres even a clear distinction between the poor on national health and the government employees on national health.. 

Thais seem to tacitly accept this as the best they will get, would a farang go quietly into that good night as my wifes father did (went home didnt want anyone to spend on medicine, died at home) because they are poor or would they be kicking up a stink demanding they get treated because they paid 500b social security fee.. 

[UncleMhee]

5 hours ago, LivinLOS said:

Is it tho.. 

 

Thais go along to the 30 baht healthcare with legitimate issues, to get given a paracetemol and told to go away.. Thais who get cancer are referred away to specialists in other cities and die while waiting or trying to see them.. Theres even a clear distinction between the poor on national health and the government employees on national health.. 

Thais seem to tacitly accept this as the best they will get, would a farang go quietly into that good night as my wifes father did (went home didnt want anyone to spend on medicine, died at home) because they are poor or would they be kicking up a stink demanding they get treated because they paid 500b social security fee.. 

Personally yes, I would; because nobody lives forever, and because I have seen three younger sibling go quietly into the good night in the last ten years. All in their 50's. I decided then, that the suffering they endured to be kept alive for a couple of years just wasn't worth it to keep the medical professionals happy and rich.

 

Edited November 25, 2019 by UncleMhee

[BritManToo]

6 hours ago, LivinLOS said:

Is it tho.. 

 

Thais go along to the 30 baht healthcare with legitimate issues, to get given a paracetemol and told to go away.. Thais who get cancer are referred away to specialists in other cities and die while waiting or trying to see them.. Theres even a clear distinction between the poor on national health and the government employees on national health.. 

I've never been told to go away, nor have any of my extended Thai family members.

Two have had cancer, and were given immediate treatment (within a week), MiL survived 8+ years, Auntie died after 5.

I usually pay 50bht for the hospital, and 230bht for 3 months of medication (230x2mg doxazocin).

[Tracyb]

10 hours ago, Max69xl said:

From 66 years of age,the price goes up a lot. But I don't understand why go for an insurance that covers 3 million baht. 

Well, the cost to go from 1,200,000 coverage to 3,000,000 coverage was the equivalent of US$750.00 per year.  The value of that coverage in US dollars is approximately $40,000 vs $100,000, so I thought it was a good value especially considering that coverages for individual policy components also increased.  I can change policy limits upon renewal if I so choose...and I may.  It will depend on how I feel at that moment, I suppose.

[globalmax2]

I searched through the 110 pages and can’t seem to find the photo of someone’s completed foreign insurance certificate. I recall it indicated no limit on coverage amount. 
 

would anyone be able to shadow it again 

 

thanks. 

[lopburi3]

11 hours ago, Max69xl said:

From 66 years of age,the price goes up a lot. But I don't understand why go for an insurance that covers 3 million baht. 

Three million baht is not that much if anything serious.  My 10 days in Bangkok Hospital 2 years ago was more than a million - and that was just operation/recovery - not ICU - if have to have extended ICU/expensive drugs or such it could be many millions within a short period. 

 

As for using cheaper alternative been there/tried that and would likely have died if did not use private facility due to months queue at government hospitals for required operation.

[wgdanson]

19 hours ago, Sheryl said:

Actually all I have seen include an option for OPD but of course not limited to 40K and greatly increasing premiums, so  in a place like Thailand not worth it.

I have a policy with Cigna Close Care, Bht 120,000 for up to Bht 12M INPATIENT. I recently asked if they could re-allocated some of that to OUTPATIENT to satisfy Immigration.  Bht 58,500 to add Bht 125,000 worth of outpatient!!!!!!

Absolute rip-off. Needless to say I declined.

[Sheryl]

11 hours ago, Max69xl said:

From 66 years of age,the price goes up a lot. But I don't understand why go for an insurance that covers 3 million baht. 

Because he actually needs/wants to be protected for medical costs as opposed to just meeting an Imm requirement.

 

3 mill is the absolute minimum cover needed if one wants the option of using private hospitals. A single hospitaluzation can easily cost as much.

[Sheryl]

3 minutes ago, wgdanson said:

I have a policy with Cigna Close Care, Bht 120,000 for up to Bht 12M INPATIENT. I recently asked if they could re-allocated some of that to OUTPATIENT to satisfy Immigration.  Bht 58,500 to add Bht 125,000 worth of outpatient!!!!!!

Absolute rip-off. Needless to say I declined.

Yes addition of OPD cover typically costs 25 - 50% of the OPD cover. And no foreign policy gives as little as 40k. Which is why not worth doing as long as major outpatient costs (cancer treatment, dialysis, day surgery) is covered.

 

Wouldn't satisfy Imm anyhow. Foreign policy allowed only for issuance of new OA visa, first year.

[Sheryl]

15 minutes ago, globalmax2 said:

I searched through the 110 pages and can’t seem to find the photo of someone’s completed foreign insurance certificate. I recall it indicated no limit on coverage amount. 
 

would anyone be able to shadow it again 

 

thanks. 

You will find the form on longstay.tgia website

 

[globalmax2]

13 minutes ago, Sheryl said:

You will find the form on longstay.tgia website

 

Indeed you are correct about finding the blank form

 

im asking about a photo of a completed form that someone posted.  Can’t find it after scanning all the pages.  
 

Can you direct me to the photo of the completed form? 

[lopburi3]

6 minutes ago, globalmax2 said:

Indeed you are correct about finding the blank form

 

im asking about a photo of a completed form that someone posted.  Can’t find it after scanning all the pages.  
 

Can you direct me to the photo of the completed form? 

Personal information is normally removed from forum - expect that may be the case and why you can not find.

[Peter Denis]

45 minutes ago, globalmax2 said:

I searched through the 110 pages and can’t seem to find the photo of someone’s completed foreign insurance certificate. I recall it indicated no limit on coverage amount. 
would anyone be able to shadow it again

TVF member @saiber posted 3 short comments that he has a 1 year travel-insurance policy with his German insurance-company Hanse Merkur, and that he asked them to fill in and sign the thai Certificate, which they did.

However, as far as I know, he did not post a scan of the thai certificate.

 

[ThailandRyan]

UPDATE:  On November 22nd, I entered Thailand at Suvarnabhumi at around 11:30 pm.  As I have stated before I had received my O-A visa from the Royal Thai Consulate in Los Angeles on October 3rd, and prior to the date of October 31st for having to have insurance.  I handed my documents to the IO at the booth, who looked at my TM6, my passport, the Visa, and then spent a few minutes looking through the computer.  He asked if I had my old and now expired US Passport to which I told him no.  He looked for a few minutes more and then stamped my passport an return it to me.  As I opened the passport up to look at the stamp, he looked at me and said "No worry, 1 year, everything is good" I smiled back at him and thanked him for his assistance.  He smiled back and moved onto the next person.  * I was not asked for insurance, nor told anything regarding needing insurance in the future*, No notations made in the passport with the stamp he had affixed.  I am now stamped in until 20 Nov 2020.  It is a ME Visa, and so I will leave late next year and return to the US for a 2 week period, before returning and getting stamped back in for my second year.  

 

Additionally, I took my Tabien Ban, for my condo, and my completed TM-30, to Chang Wattana and was in and out in 30 minutes with my receipt.  Again nothing said, except welcome back.  I will attempt my 90 day report online, but if that fails I will go to the Nonthaburi IO and check in there.  

 

I also live just next to the Ministry of Public Health (MOPH), I was thinking about gracing them with y presence one day soon after getting re-settled, and see exactly if anyone in the know can explain to me if there is to be any grandfathering in of people here on O-A's or extensions thereof.  

 

Hoping you all have good days ahead, and yes I have a Global Anthem worldwide BlueCross plan, and I hope this all gets rectified for all others who have been told they need a Thai policy.  Here is a photo of my Visa as proof that this report is very real.

 

Ryan

Edited November 26, 2019 by ThailandRyan
Update