On 10/7/2024 at 8:12 AM, georgegeorgia said:

How do I know if I have this?

Read your own posts.😉

2 hours ago, georgegeorgia said:

Your always bully me Ralfy ,why when I love you !

 

You feel iam bullying you ?

There is a doctor that can help you with that... please book yourself an apppinment.

 

My comment was in general, many morons do not read T&C's.. then have a cry when insurance wont cover the bill.

 

 

59 minutes ago, Ralf001 said:

 

You feel iam bullying you ?

There is a doctor that can help you with that... please book yourself an apppinment.

 

My comment was in general, many morons do not read T&C's.. then have a cry when insurance wont cover the bill.

 

 

I love you Ralfy 

On 10/7/2024 at 3:46 AM, georgegeorgia said:

Please check your insurance

 

No need in my case. I have never been able to get travel insurance since being registered as an insulin dependent type 2 diabetic. This also includes medical insurance.  Car, home and accident insurances no problem.

5 hours ago, georgegeorgia said:

Great post , thankyou for your service 

Well based on what I read in the past week, in the US health insurers are zooming the premiums to such an extent that the media is calling those packages "Cadillac Coverage" meaning you paying for all the  extras in the basic price. I am on a pension, thus also have a govt sponsored insurance company but it did enable me to get an LTR.  Only good think about it I guess as in my entire life I personally have been blessed with good health and never filed a charge but my wife was killed by breast cancer/treatment and they paid dearly for that I guess.  

5 hours ago, Burma Bill said:

 

No need in my case. I have never been able to get travel insurance since being registered as an insulin dependent type 2 diabetic. This also includes medical insurance.  Car, home and accident insurances no problem.

Your over 80 so it would be difficult 

What's your plan if you have a heart attack?

I guess you have to go back to the UK 

2 minutes ago, georgegeorgia said:

Your over 80 so it would be difficult 

What's your plan if you have a heart attack?

I guess you have to go back to the UK 

 

With a heart attack? 

 

You should have half a mill ready to pay out of pocket.

It never fails me the naiveté of folks when it comes to insurance.

 

Health 'insurance' Medicare or whatever you have in your country for older folks in the West isn't insurance it's a State backed guarantee. 

 

Real health insurance is like car insurance. Have a couple of claims and watch that annual premium increase.

 

Private health insurance inside Thailand is the same. Raw, real insurance.

 

My wife had a ruptured fallopian cyst which resulted in sepsis, required emergency surgery to save her life. After that rider on our policy to exclude all gyno problems.

 

So travel insurance, same thing and it gets to a point where you just can't get it.

 

My Dad in in the last years of his life just couldn't get travel insurance to visit me in Thailand because of age and pre-existing conditions

 

It's the same thing all aging expats in Thailand face. Age and pre-existing conditions can make any insurance either unaffordable or just impossible to get as the risk for the insurance companies increase

Edited October 10, 20241 yr by GinBoy2

2 hours ago, GinBoy2 said:

It never fails me the naiveté of folks when it comes to insurance.

 

Health 'insurance' Medicare or whatever you have in your country for older folks in the West isn't insurance it's a State backed guarantee. 

 

Real health insurance is like car insurance. Have a couple of claims and watch that annual premium increase.

 

Private health insurance inside Thailand is the same. Raw, real insurance.

 

My wife had a ruptured fallopian cyst which resulted in sepsis, required emergency surgery to save her life. After that rider on our policy to exclude all gyno problems.

 

So travel insurance, same thing and it gets to a point where you just can't get it.

 

My Dad in in the last years of his life just couldn't get travel insurance to visit me in Thailand because of age and pre-existing conditions

 

It's the same thing all aging expats in Thailand face. Age and pre-existing conditions can make any insurance either unaffordable or just impossible to get as the risk for the insurance companies increase

Thanks for telling us ,your opinions have been noted.

On 10/7/2024 at 3:46 AM, georgegeorgia said:

This is a warning for you guys to check your travel insurance

 

So I got a bit worried lately after a member on here spoke about his heart pains with his frequent testereone injections 

 

I noticed also I was getting   chest pains too although  the right side and middle after testereone injections 

 

I had these checked in Australia with Cardiography etc but the doctors claim they can't find anything except something called pericarditis which in his words is trivial the lying thieving Australian doctors say and should go away 

 

I made enquiries with a hospital to get a heart check whilst I'm here in Thailand 

 

I emailed the travel insurance company to ask for payment 

 

Well...they write back after a few days to tell me ,sorry it's pre existing your heart tests because..... anything you went to the doctor about in the last 12 months your NOT covered for !!!

Which leaves me covered for nothing !!!

In the last year I have been for heart tests ,liver tests ,kidney tests ,body ultrasouns ,chest X rays , bladder tests , prostate tests ,throat scans , colonoscopy etc 

They found nothing because they are liars !!!

 

I'm  a walking time now  and yesterday sitting in a cafe in Pattaya I started to get anxiety and felt like a heart pain and then a liver pain and started thinking about the cost of I did have a heart attack or kidney failure or liver failure or my knees give out 

 

They write back to tell me I'm covered for anything NOT involving the last 13 months !

Means nothing 

I will be taking them to court 

They have blocked my communication because they are thieves and I have emailed them over 50 times to tell them 

I have asked for my money back

 

 

Please check your insurance 

You are NOT covered for heart attack if you have HIGH Blood pressure before taking the insurance unless you got pre existing cover and exemption 

 

They accept your $$$ but will refuse if you have a heart attack claiming it was pre existing and was caused by your high blood pressure 

 

 

Hopefully my CT scan calcium scan on Wednesday in BKK will let me know if I need to rush back to Australia for immediate heart surgery .

My blood pressure was 135 yesterday 

 

 

Why did you even think your travel insurance would cover this? The word is travel insurance & it is not a health insurance to cover pre existing ailments to be checked up.