Insure your self or die

[fredscats]

The major problem with medical insurance here in Thailand is it keeps you in Thailand far longer than you should be,just to get your whack out of insurance pot

 Known a few who have made a regular pilgrimage to BKK from wherever, usually cancer, thinking new life is being pumped into them...far from it,.. reduced to living wrecks until they realise they are being preyed on,just able enough to make dash home,prob to hospice  which do not exist in Thailand

[cooked]

23 hours ago, Gottfrid said:

The only thing I can read out of your post is envy. Where did I put someone down? I just stated that I am out of the opinion that you need an insurance or be able to pay for what might happen. Otherwise you have nothing to do outside your secure little country and the social benefits you can reap.

It´s just plainly a fact that all can not relocate, because they put themselves in too big risks. I am happy to hear you have such good help from your country.

Maybe your usage of the word 'babble' put me on to your case, that and the sneering at people that find themselves in unexpected situations, not necessarily because they are stupid or reckless.

[Al BB]

On 9/22/2021 at 8:03 AM, kiwikeith said:

Covid insurance is available to anyone up to 99, but general health insurance is not available over 75 yrs unless you want to pay Cigna $20k USD yearly for an 86 yr old (quoted by them for a friend).

But covid is very cheap cost 3800 Thai Bhat for 90 days.

If he had  covid , as it sounds like, but the poster has not said, then he would have been ok.

As for all the expats over 75 and those in their 80's getting a visa extension will require an agents fees.

I would get the covid cover at least regardless if your 75+

Sorry to hear about the old boys bad luck RIP.

Yes I agree about Covid Ins,..

I am  75 Plus and have COVID Critical Illness Insurance cover for Baht 1 Million, and Baht 100,000 Medical Expenses. Cost Baht 850.00 Per Annum. with Dhipaya.

I have had Medical Insurance refused, because my Blood Pressure was High at the time of my examination at BKK9 Hospital.  I'm still looking for Insurance BTW.

[Gottfrid]

27 minutes ago, cooked said:

Maybe your usage of the word 'babble' put me on to your case, that and the sneering at people that find themselves in unexpected situations, not necessarily because they are stupid or reckless.

Ok, you might have reacted in a negative way on that specific word. Sneering at people??? Where in the world do you get that from? To me it´s a straight fact, that you do not act irresponsible to yourself nor other people by making decisions that might put you or the ones you care about in difficulties later.

In other words, I strongly believe that it is both reckless and stupid to not have a buffer for things. That a person might not have it in their home country might be because they are just to young and not had the time yet. Then you should create a solid economy and a buffer as well as small investment portfolios that can generate money on a monthly basis. As long as you do not have that security, you should not even think of relocating to a foreign country where you do not have the same benefits and protection as in your home country.

If a person is over 50 and still do not have any means, savings or buffer then that person is just plain lazy or have been reckless in life already. That just means they are going to continue making bad decisions in life, of which on is to relocate without solid ground.

At last you have the young people that find ways to work online. Something that means they can sit anywhere in the world making money. If they can see solidity in their projects or business, as well as an unlimited life span and solidity in their income. Hell yeah, they can have a blast relocating and working from a foreign country of their choice.

However, in all the cases above there is absolutely no reason to not have an insurance. If you are not fully loaded, that will say. Now, you can call this sneering, rich talk, everybody not that "lucky" or what the heck you wish. What I just stated above is pure facts. Therefore, it is no reason to complain when old or complain that you can not stay when young.

 

Actually it is darn lucky Thailand have the visa and extension rules set at the age of 50, or that people under 50 must use Elite Visa for be able to stay. There is already enough morons that use the marriage and children way to stay at low age. Not saying all, but there are many after that who lives on minimum and have a hard time to create a good life for themselves, their wife and children. Is that really something to lookup to, when a person drag innocent people with them down in a spiral of misery?

Then we have another group of oldies that comes to live here for the sex and booze. After that they complain that they can´t pay for an insurance. Really? If that ain´t reckless and stupid? What is?

[Rampant Rabbit]

youre  gonna  die either way so hey why waste  time with insurance

[dinga]

12 minutes ago, Rampant Rabbit said:

youre  gonna  die either way so hey why waste  time with insurance

Reminds me of the anti-vaccers pleading - from their death beds -  for similarly-minded folks to get jabbed.  Lot of nonsense vomited when not in those dire straits

 

[Rampant Rabbit]

57 minutes ago, dinga said:

Reminds me of the anti-vaccers pleading - from their death beds -  for similarly-minded folks to get jabbed.  Lot of nonsense vomited when not in those dire straits

 

Maybe they dont have a sense  of  humour  either

[bubblegum]

As the OP I have to say the following on your remarks and they always seem to be the same on every topic:

 

*Cannot look after oneself, go home (harsh comment)

*Bashing some country (this case USA) why?

*Grammar police

*Bashing "people" for going to bars and stuff 

*Off topic and assuming: It was Covid (really) Accident Insurance, Covid and I live in Thailand longer than you and can sit on the floor at dinner (Jeez, congratulations)

*Knowing nothing about Thai/Intn. Health insurance but posting as a pro

*And then the bickering starts! Always 2 or more obnoxious people will steel the threat just to have a go at one another, neither party listening to the other! It's like the Trump followers against everything. It's boring, it is not polite and not necessaire on this platform.

 

Having said that I would like the MOD to close this pls. Tnx    

[mikebike]

7 hours ago, Gottfrid said:

Ok, you might have reacted in a negative way on that specific word. Sneering at people??? Where in the world do you get that from? To me it´s a straight fact, that you do not act irresponsible to yourself nor other people by making decisions that might put you or the ones you care about in difficulties later.

In other words, I strongly believe that it is both reckless and stupid to not have a buffer for things. That a person might not have it in their home country might be because they are just to young and not had the time yet. Then you should create a solid economy and a buffer as well as small investment portfolios that can generate money on a monthly basis. As long as you do not have that security, you should not even think of relocating to a foreign country where you do not have the same benefits and protection as in your home country.

If a person is over 50 and still do not have any means, savings or buffer then that person is just plain lazy or have been reckless in life already. That just means they are going to continue making bad decisions in life, of which on is to relocate without solid ground.

At last you have the young people that find ways to work online. Something that means they can sit anywhere in the world making money. If they can see solidity in their projects or business, as well as an unlimited life span and solidity in their income. Hell yeah, they can have a blast relocating and working from a foreign country of their choice.

However, in all the cases above there is absolutely no reason to not have an insurance. If you are not fully loaded, that will say. Now, you can call this sneering, rich talk, everybody not that "lucky" or what the heck you wish. What I just stated above is pure facts. Therefore, it is no reason to complain when old or complain that you can not stay when young.

 

Actually it is darn lucky Thailand have the visa and extension rules set at the age of 50, or that people under 50 must use Elite Visa for be able to stay. There is already enough morons that use the marriage and children way to stay at low age. Not saying all, but there are many after that who lives on minimum and have a hard time to create a good life for themselves, their wife and children. Is that really something to lookup to, when a person drag innocent people with them down in a spiral of misery?

Then we have another group of oldies that comes to live here for the sex and booze. After that they complain that they can´t pay for an insurance. Really? If that ain´t reckless and stupid? What is?

I'll sum up your overlong post:

 

"I'm terminally risk-averse".

 

????????????????

[fredscats]

No no no  pls do not close,  Gottfuced or whatever its name is,has insurance   me? 20 years behind the mast,  no insurance   well the sort u have    well done...to me

[dinga]

1 hour ago, fredscats said:

No no no  pls do not close,  Gottfuced or whatever its name is,has insurance   me? 20 years behind the mast,  no insurance   well the sort u have    well done...to me

Yep - and join the Go Fund Me bludgers when your "fortune"

changes

[Kinnock]

In more 'old normal' times health insurance may be optional, but I have two friends who needed treatment for COVID, and the private hospitals needed either proof of at least 10 Million THB cover, or a cash deposit of 1.2 Million THB before they would admit them.

[Gottfrid]

11 hours ago, mikebike said:

I'll sum up your overlong post:

 

"I'm terminally risk-averse".

 

????????????????

Oh, thank you! Are you applying for a side-kick gig?

[Albert Zweistein]

On 9/22/2021 at 3:09 AM, 4MyEgo said:

Understand, that is why I have insurance, that said, if I couldn't get insurance because of age, I would put $100k in a Thai account, suffice to say I have funds that are overseas in a bank account earning zero interest, that is just the way things are theses days and that is my back up position, e.g. if my investments crash, I will need funds, as a fall back position even though I am not receiving interest, it doesn't bother me, so if I had to put those funds in a bank here, I would, that would be my insurance. 

 

I used that as a guide, I am over 60 and pay 330 baht per day for 40 million cover, way over the top in cover but that is just the way the policy is, even if it cost me 1,000 baht per day it would still be feasible when considering the costs of being in hospital, for example, I know of a bloke who is around my age, went into hospital, 2 weeks was in the millions, he was very ill, they literally brought him back to life, now fortunately for him, he was insured and he was worth saving to them, what if he wasn't insured and didn't have any money to insure, from what he had and the condition he was in, I would say he wouldn't have made it, hospitals are a business and people profit, they also have reputations and in my opinion private hospitals will go the extra mile here if you are insured or have the $'s from self insuring.

Good idea to put $ 100 K in a Thai account while guarantee against bankruptcy was reduced to 1 million Baht.

[SCOTT FITZGERSLD]

On 9/21/2021 at 12:14 PM, bubblegum said:

die !

from covid?

[SCOTT FITZGERSLD]

On 9/22/2021 at 1:47 AM, simon43 said:

I pay 274 baht per day....

expensive. why won't you try SAFETYWINGS.COM? 4 USD a day for 250K coverage

[SCOTT FITZGERSLD]

On 9/22/2021 at 5:54 AM, ericbj said:

mother had an operation to improve her sight and it had blinded her in that eye

i once asked a woman from isarn what do the poor people of isarn do

if and when they get sick, and they can't afford the healthcare.

she answered in her naive straightforward way: THEY DIE.

[SCOTT FITZGERSLD]

very interesting discussion here from some very experienced folks.

but mind me asking about the bottom line: WHERE DO I GET COVID -19 INSURNCE for non-O VISA ?

[SCOTT FITZGERSLD]

On 9/24/2021 at 4:01 AM, fredscats said:

Known a few who have made a regular pilgrimage to BKK from wherever, usually cancer, thinking new life is being pumped into them

YOU know some strange people

[lopburi3]

1 hour ago, SCOTT FITZGERSLD said:

i once asked a woman from isarn what do the poor people of isarn do

if and when they get sick, and they can't afford the healthcare.

she answered in her naive straightforward way: THEY DIE.

As healthcare is free, or at most 30 baht, this rings a caution bell.  

[fredscats]

2 hours ago, SCOTT FITZGERSLD said:

YOU know some strange people

Why strange?   where else do cancer patients go?    now dead anyway both of em   seem to have taken over the thread,never mind  Mr Getftfuced or whatever his title is entirely focussed on liver failure and lung cancer as his inclusion of medical insurance in his life

 

Waste of time here in Thailand those two  with/without ins.  Lung bit especially,always those nasty little cancer cells will escape during the op,  virt.15 months after the op more surgery to remove lymph nodes,cancers all over the place  death awaits,  then his pet favourite liver  transplant,never be able to find donor here in Thailand,might try India,but would your ins cover it  doubtful

 

Early diagnosis  get to the hell out of it

Edited September 26, 2021 by fredscats

[cooked]

23 hours ago, Rampant Rabbit said:

youre  gonna  die either way so hey why waste  time with insurance

BRILLIANT. What an insight. 

A large part of what insurance is about is the ASSURANCE that it gives you, something less to worry about when you have an accident, watch your house burn down, get ill. 

So you get the beginnings of a potentially fatal illness which can easily be cured but you can't pay for treatment. How fatalistic are you going to be then, no matter how old you are?

 

[fredscats]

2 hours ago, SCOTT FITZGERSLD said:

very interesting discussion here from some very experienced folks.

but mind me asking about the bottom line: WHERE DO I GET COVID -19 INSURNCE for non-O VISA ?

Thaiger 799 baht

[cooked]

23 hours ago, Gottfrid said:

Ok, you might have reacted in a negative way on that specific word. Sneering at people??? Where in the world do you get that from? To me it´s a straight fact, that you do not act irresponsible to yourself nor other people by making decisions that might put you or the ones you care about in difficulties later.

In other words, I strongly believe that it is both reckless and stupid to not have a buffer for things. That a person might not have it in their home country might be because they are just to young and not had the time yet. Then you should create a solid economy and a buffer as well as small investment portfolios that can generate money on a monthly basis. As long as you do not have that security, you should not even think of relocating to a foreign country where you do not have the same benefits and protection as in your home country.

If a person is over 50 and still do not have any means, savings or buffer then that person is just plain lazy or have been reckless in life already. That just means they are going to continue making bad decisions in life, of which on is to relocate without solid ground.

At last you have the young people that find ways to work online. Something that means they can sit anywhere in the world making money. If they can see solidity in their projects or business, as well as an unlimited life span and solidity in their income. Hell yeah, they can have a blast relocating and working from a foreign country of their choice.

However, in all the cases above there is absolutely no reason to not have an insurance. If you are not fully loaded, that will say. Now, you can call this sneering, rich talk, everybody not that "lucky" or what the heck you wish. What I just stated above is pure facts. Therefore, it is no reason to complain when old or complain that you can not stay when young.

 

Actually it is darn lucky Thailand have the visa and extension rules set at the age of 50, or that people under 50 must use Elite Visa for be able to stay. There is already enough morons that use the marriage and children way to stay at low age. Not saying all, but there are many after that who lives on minimum and have a hard time to create a good life for themselves, their wife and children. Is that really something to lookup to, when a person drag innocent people with them down in a spiral of misery?

Then we have another group of oldies that comes to live here for the sex and booze. After that they complain that they can´t pay for an insurance. Really? If that ain´t reckless and stupid? What is?

What a nice, insightful post, I'm sure you feel all the better for writing that.

"Then we have another group of oldies that comes to live here for the sex and booze. After that they complain that they can´t pay for an insurance. Really? If that ain´t reckless and stupid? What is?"

Sure that would be stupid, but seeing that a life saving medical treatment can quickly go into the millions and I doubt that many of us could ever spend a fraction of that on sex and booze, I fail to see your point.

You spend a lot of time justifying your self (I still haven't got over your "I can sit on the floor to eat" along with using your rare visits to in-laws as proof that you are adapted to Thai life style). 

Maybe you aren't a sneerer after all, just a guy thatwent into culture shock and never came out of it.

Don't bother responding to me directly as I am putting you on my "extremely self important, negative character" list.

[fredscats]

12 hours ago, dinga said:

Yep - and join the Go Fund Me bludgers when your "fortune"

changes

Nah!  have already indicated my (insured ) way  21 quid a year,basic medical provision ,then earliest medivac out of it,  but does your medical ins have that?   no,what a pity

 

Stated before the finest for me and the best medical care and by far the cheapest    two hours away from BKK

Edited September 26, 2021 by fredscats

[4MyEgo]

3 hours ago, Albert Zweistein said:

Good idea to put $ 100 K in a Thai account while guarantee against bankruptcy was reduced to 1 million Baht.

If your concerned about the bank going under and you losing the balance over the million baht that they will only compensate you for, then put in a million baht in an everyday account (not fixed), and you could use that for your proof of funds for your extension of stay, if you require treatment you withdraw that while transferring the balance.

 

Being uninsured, means your exposed, if you want to look for excuses not to be insured, you really don't need too, it's a choice and there are always options if you want to look for them.

 

Up to you as they say, no point in crying when and if an event occurs.

[Gottfrid]

7 hours ago, cooked said:

What a nice, insightful post, I'm sure you feel all the better for writing that.

"Then we have another group of oldies that comes to live here for the sex and booze. After that they complain that they can´t pay for an insurance. Really? If that ain´t reckless and stupid? What is?"

Sure that would be stupid, but seeing that a life saving medical treatment can quickly go into the millions and I doubt that many of us could ever spend a fraction of that on sex and booze, I fail to see your point.

You spend a lot of time justifying your self (I still haven't got over your "I can sit on the floor to eat" along with using your rare visits to in-laws as proof that you are adapted to Thai life style). 

Maybe you aren't a sneerer after all, just a guy thatwent into culture shock and never came out of it.

Don't bother responding to me directly as I am putting you on my "extremely self important, negative character" list.

That you fail to see the point stand totally clear. I just think that you don´t want to see it.

Just to make things clear for you. I am not justifying anything. Why do you think I feel the need to justify myself in front of a person on an online forum? Really? I think you need to sit down and think it over a bit. As I have over 10 years here, and managed good I guess there is no culture shock going on.

 

Anyway, this was a thread about the need of insurance. How ever you twist it, you need to be able to take care about yourself. Like you said in another post, everyone does not have the social benefits your country is offering in a foreign country. What do you think about all that do not have that? Do they need to have money to pay for things? And if not, instead have an insurance? Or, maybe you have another magic solution for them. Please do not suggest go fund me:

Edited September 26, 2021 by Gottfrid

[dinga]

7 hours ago, fredscats said:

Nah!  have already indicated my (insured ) way  21 quid a year,basic medical provision ,then earliest medivac out of it,  but does your medical ins have that?   no,what a pity

 

Stated before the finest for me and the best medical care and by far the cheapest    two hours away from BKK

Last comments on this subject:

*  Everyone makes choices based on their personal circumstances.  Arrogant in the extreme to strongly advocate them for everyone else

*  Self-insurance (in the case of cars, houses; income protection; accident etc as well as for health) is certainly a choice for those that can afford it.  However, often that position seems to be the facade for those who can't afford buying insurance coverage and take a risk that the gods will be kind to them

*  In my experience, First Class medical treatment is available in Thailand - at variable costs according to the hospital of choice.  Of course, in some cases doctors/specialists/technicians in other countries may have greater experience in certain fields 

*  Therefore, for me, Medivac consideration does not enter my thinking - especially as Thailand is my home.  Also, I have heard stories of Medivac not actually turning out to be the neat solution it was assumed  -  perhaps due to reasons like (a) being medically unable to be transported; (b) Policy limitations/exclusions on exactly what is covered; (c) Ineligibility to the "receiving" country's universal healthcare system for folks judged to no longer being Residents

 

Chok Dee to all of us! 

[fredscats]

Dutch guy has verdict Tuesday      see if he wins

[Albert Zweistein]

15 hours ago, 4MyEgo said:

If your concerned about the bank going under and you losing the balance over the million baht that they will only compensate you for, then put in a million baht in an everyday account (not fixed), and you could use that for your proof of funds for your extension of stay, if you require treatment you withdraw that while transferring the balance.

 

Being uninsured, means your exposed, if you want to look for excuses not to be insured, you really don't need too, it's a choice and there are always options if you want to look for them.

 

Up to you as they say, no point in crying when and if an event occurs.

I still prefer my idea ; not a single baht in a Thai account. As for the insurance, I have the best insurance in the world. Covers everything worldwide at € 168,- per month at 79 years of age. I am sure you can't beat that.