If you want cost effective insurance, you have to have no preexisting conditions and a high deductible.
I loved the insurance I had up until five years ago, but it is just too expensive since I retired,
I have SS medical in Thailand Medicare in the US. I pay for everything out of pocket now. That said, you have to have the funds to do it. If your waiting for your check each month, it's not for you.
I can put over three million on a credit card. And I told my wife if I die on the table, don't pay it.
So... just last month... had knee issues..
Needed an MRI... had to pay for it as soon as I finished.
Need an operation, had to pay for it as soon as I finished.
Both paid for by credit card, about 300k baht in total... then claimed of insurance.
So... Your 'clever' plan might work in the event of death where you can avoid payment of a credit card, but what happens if they keep you alive, or if ongoing treatment is needed... Say a knee replacement, or something worse ???
You can't off-put paying your credit card inevitably ?
THis has been mooted several times before and enforcement has never worked in the long term - probably better to change the law to a more modern attitude.
It's intriguing. Here we have the ardent royalists doing their best to ban Pheu Thai and throw charges at Thaksin, yet it's assumed by all that Thaksin came home with permission from the top.
So if Pheu Thai are dissolved, its executives banned and Thaksin facing charges, where would that leave the next reincarnation of Pheu Thai? Surely in the People's Party camp, a formidable force
But if the accusations are all dismissed and Pheu Thai walk free, where does that leave the right wing regarding faith in the institutions?
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