Am I done?

[krobert6]

Been married to my lovely wife for over 3 years - Recently received my first 1 year extension based on marriage, finally have my yellow Tabien Ban, have a usefruct on my wife's land where I built house, have my Thai car drivers license - any more hoops I have to jump through?

[NancyL]

Congratulations, Krobert6!

It's a good idea to have a re-entry permit in your passport -- never know when you might have to leave the country suddenly and you wouldn't want to void that marriage extension.

Do you have a Thai bank account? Probably. How about a Final Will in Thailand? And an Advance Health Directive (aka Living Will) You wife, too, should have a Final Will and Advance Health Directive. Esp. the Final Will so you'll be able to stay in house should something happen to her.

Do you have Health Insurance, or at least a Personal Accident insurance policy? If your wife is working, see if you can get coverage on hers.

[ubonjoe]

I don't see any hoops that you had to jump through already. Everything you did was your choice nobody forced you to do it.

[krobert6]

 

Congratulations, Krobert6!

It's a good idea to have a re-entry permit in your passport -- never know when you might have to leave the country suddenly and you wouldn't want to void that marriage extension.

Do you have a Thai bank account? Probably. How about a Final Will in Thailand? And an Advance Health Directive (aka Living Will) You wife, too, should have a Final Will and Advance Health Directive. Esp. the Final Will so you'll be able to stay in house should something happen to her.

Do you have Health Insurance, or at least a Personal Accident insurance policy? If your wife is working, see if you can get coverage on hers.

 

Thanks for replying Nancy, ahh yes I will get a reentry soon as I intend to travel the region. Yes, I have multiple bank accounts.

My USUFRUCT is till my death - if my wife passes before me (unlikely) does the USUFRUCT not still stand?

I will have to look into the will suggestions seriously as I have interests in a couple of countries, would be very complicated for my wife to contend with - I do have daughters in Australia however who could help.

No health insurance - seems so expensive - any recommendations? I have always thought if I get seriously ill I am a citizen of Australia and UK and have family in both countries if it was not an emergency

[Soutpeel]

I don't see any hoops that you had to jump through already. Everything you did was your choice nobody forced you to do it.

Your getting as cynical and sarcastic as me LOL

[Soutpeel]

 

Congratulations, Krobert6!

It's a good idea to have a re-entry permit in your passport -- never know when you might have to leave the country suddenly and you wouldn't want to void that marriage extension.

Do you have a Thai bank account? Probably. How about a Final Will in Thailand? And an Advance Health Directive (aka Living Will) You wife, too, should have a Final Will and Advance Health Directive. Esp. the Final Will so you'll be able to stay in house should something happen to her.

Do you have Health Insurance, or at least a Personal Accident insurance policy? If your wife is working, see if you can get coverage on hers.

 

Thanks for replying Nancy, ahh yes I will get a reentry soon as I intend to travel the region. Yes, I have multiple bank accounts.

My USUFRUCT is till my death - if my wife passes before me (unlikely) does the USUFRUCT not still stand?

I will have to look into the will suggestions seriously as I have interests in a couple of countries, would be very complicated for my wife to contend with - I do have daughters in Australia however who could help.

No health insurance - seems so expensive - any recommendations? I have always thought if I get seriously ill I am a citizen of Australia and UK and have family in both countries if it was not an emergency

And what happens if your that sick and cant get on a plane to avail yourself to "free" medical treatment, which in the UK if your out of the country long enough your not entitled to anymore anyway

What your relatives going to do ? Another online appeal for cash to fly you home ?

Edited June 2, 2015 by Soutpeel

[IMA_FARANG]

I don't mean to sound cynical but what happens if you get into your 60's and your wife just tells you she doesn't want you around any more.

Seriously, it has happened.

Not to me , you understand.

First of all I wasn't married, and secondly when it was time I left her, she didn't leave me.

The only real certainty in this world is uncertainty.

Edited June 2, 2015 by IMA_FARANG

[krobert6]

 

I don't mean to sound cynical but what happens if you get into your 60's and your wife just tells you she doesn't want you around any more.

Seriously, it has happened.

Not to me , you understand.

First of all I wasn't married, and secondly when it was time I left her, she didn't leave me.

The only real certainty in this world is uncertainty.

 

Well it is not my first marriage so I know something about it And before the cynics step in again my wife has no family to speak of, has 2 children from a previous failed relationship, has serious health issues (thrombosis in the head) so whatever happens I will not discard her and do not thing she will me either, plus I have the USUFRUCT till death.

[NancyL]

It's just a good idea to have a Final Will, especially for someone like the OP and his wife who have lead "interesting" lives.

While it may seem unlikely that the OPs wife will die before him, remember the personal accident rate here is 20 times greater than in the west.

Hubby and I went and executed Final Wills within hours of getting married. Had 'em in place before we went on a honeymoon and we were in our twenties. You see, both Hubby's parents had passed away shortly before we met and he knew how things like this can happen unexpectedly.

Also, he didn't want his aunts and uncles to end up with the little bit he'd inherited from his parents. He'd seen how they'd acted toward him -- an only child, in his early twenties, who had just lost both his parents. They started carting furniture and family heirlooms out of his house right after the funerals. Bad family behavior isn't limited to Thailand.

Edited June 2, 2015 by NancyL

[krobert6]

 

 

Congratulations, Krobert6!

It's a good idea to have a re-entry permit in your passport -- never know when you might have to leave the country suddenly and you wouldn't want to void that marriage extension.

Do you have a Thai bank account? Probably. How about a Final Will in Thailand? And an Advance Health Directive (aka Living Will) You wife, too, should have a Final Will and Advance Health Directive. Esp. the Final Will so you'll be able to stay in house should something happen to her.

Do you have Health Insurance, or at least a Personal Accident insurance policy? If your wife is working, see if you can get coverage on hers.

 

Thanks for replying Nancy, ahh yes I will get a reentry soon as I intend to travel the region. Yes, I have multiple bank accounts.

My USUFRUCT is till my death - if my wife passes before me (unlikely) does the USUFRUCT not still stand?

I will have to look into the will suggestions seriously as I have interests in a couple of countries, would be very complicated for my wife to contend with - I do have daughters in Australia however who could help.

No health insurance - seems so expensive - any recommendations? I have always thought if I get seriously ill I am a citizen of Australia and UK and have family in both countries if it was not an emergency

And what happens if your that sick and cant get on a plane to avail yourself to "free" medical treatment, which in the UK if your out of the country long enough your not entitled to anymore anyway

What your relatives going to do ? Another online appeal for cash to fly you home ?

 

Not sure where you got that info to make up a scenario. The reason I do not like expensive health cover is that I spent most of my life working for large insurance companies and know the profit margins. I have ample funds to live very comfortably off interest from my investments

My choice of (probably Australia) would be for the quality of healthcare - though free would be nice as well. As for relatives - support if seriously ill.

[JLCrab]

I agree -- if you aren't planning on getting real sick, health insurance isn't a good deal.

[Soutpeel]

 

 

Congratulations, Krobert6!

It's a good idea to have a re-entry permit in your passport -- never know when you might have to leave the country suddenly and you wouldn't want to void that marriage extension.

Do you have a Thai bank account? Probably. How about a Final Will in Thailand? And an Advance Health Directive (aka Living Will) You wife, too, should have a Final Will and Advance Health Directive. Esp. the Final Will so you'll be able to stay in house should something happen to her.

Do you have Health Insurance, or at least a Personal Accident insurance policy? If your wife is working, see if you can get coverage on hers.

 

Thanks for replying Nancy, ahh yes I will get a reentry soon as I intend to travel the region. Yes, I have multiple bank accounts.

My USUFRUCT is till my death - if my wife passes before me (unlikely) does the USUFRUCT not still stand?

I will have to look into the will suggestions seriously as I have interests in a couple of countries, would be very complicated for my wife to contend with - I do have daughters in Australia however who could help.

No health insurance - seems so expensive - any recommendations? I have always thought if I get seriously ill I am a citizen of Australia and UK and have family in both countries if it was not an emergency

And what happens if your that sick and cant get on a plane to avail yourself to "free" medical treatment, which in the UK if your out of the country long enough your not entitled to anymore anyway

What your relatives going to do ? Another online appeal for cash to fly you home ?

 

Not sure where you got that info to make up a scenario. The reason I do not like expensive health cover is that I spent most of my life working for large insurance companies and know the profit margins. I have ample funds to live very comfortably off interest from my investments

My choice of (probably Australia) would be for the quality of healthcare - though free would be nice as well. As for relatives - support if seriously ill.

Haven't made up any scenario its based on factual cases where people can't be bothered to get proper medical insurance in a country where they have no recourse to free medical treatment, get sick or involved in an accident in Thailand and in the end the relatives end up having to foot the bill or start looking for cash on line as the person was too irresponsible to take out proper medical insurance

I wasn't commenting on living comfortably or your investments, I questioned your lack of medical insurance should anything happen, let's say you have a heart attack right now in Thailand can you front the 500k to 1 million the private hospitals typically want up front in cash ?

Or

If you get that sick you can't get on a plane without an escorted medical flight how do you get back to Aussie ? Who pays the USD 25k - 30k required if you have no insurance ?

[stevenl]

 

Congratulations, Krobert6!

It's a good idea to have a re-entry permit in your passport -- never know when you might have to leave the country suddenly and you wouldn't want to void that marriage extension.

Do you have a Thai bank account? Probably. How about a Final Will in Thailand? And an Advance Health Directive (aka Living Will) You wife, too, should have a Final Will and Advance Health Directive. Esp. the Final Will so you'll be able to stay in house should something happen to her.

Do you have Health Insurance, or at least a Personal Accident insurance policy? If your wife is working, see if you can get coverage on hers.

 

Thanks for replying Nancy, ahh yes I will get a reentry soon as I intend to travel the region. Yes, I have multiple bank accounts.

My USUFRUCT is till my death - if my wife passes before me (unlikely) does the USUFRUCT not still stand?

I will have to look into the will suggestions seriously as I have interests in a couple of countries, would be very complicated for my wife to contend with - I do have daughters in Australia however who could help.

No health insurance - seems so expensive - any recommendations? I have always thought if I get seriously ill I am a citizen of Australia and UK and have family in both countries if it was not an emergency

But will they help when by not helping they might end up with more money?

[mahtin]

let's say you have a heart attack right now in Thailand can you front the 500k to 1 million the private hospitals typically want up front in cash ?

Unless you live in BKK you won't be going to Bummers for an emergency anyway.

Take the cheap option and let the med students learn something; I paid 23000 for an op when just over the road the private version would have cost 65000.

What's so bad about sharing a ward with Thai people - snoring?

[Soutpeel]

let's say you have a heart attack right now in Thailand can you front the 500k to 1 million the private hospitals typically want up front in cash ?

Unless you live in BKK you won't be going to Bummers for an emergency anyway.

Take the cheap option and let the med students learn something; I paid 23000 for an op when just over the road the private version would have cost 65000.

What's so bad about sharing a ward with Thai people - snoring?

Bummers ? Some gay district in BKK ?

Do stop trying to sound like an old colonial dear boy sounds very silly indeed

But the hospital you refer to is not the only one, any of the Bangkok group hospitals will be looking for a sizable down payment as well a buddy of mine went to BPH and had to put 500k on his credit card, think the whole bill in the end was 750k, for the stents, surgery, post op care etc etc

[NanLaew]

 

Congratulations, Krobert6!

It's a good idea to have a re-entry permit in your passport -- never know when you might have to leave the country suddenly and you wouldn't want to void that marriage extension.

Do you have a Thai bank account? Probably. How about a Final Will in Thailand? And an Advance Health Directive (aka Living Will) You wife, too, should have a Final Will and Advance Health Directive. Esp. the Final Will so you'll be able to stay in house should something happen to her.

Do you have Health Insurance, or at least a Personal Accident insurance policy? If your wife is working, see if you can get coverage on hers.

 

Thanks for replying Nancy, ahh yes I will get a reentry soon as I intend to travel the region. Yes, I have multiple bank accounts.

My USUFRUCT is till my death - if my wife passes before me (unlikely) does the USUFRUCT not still stand?

I will have to look into the will suggestions seriously as I have interests in a couple of countries, would be very complicated for my wife to contend with - I do have daughters in Australia however who could help.

No health insurance - seems so expensive - any recommendations? I have always thought if I get seriously ill I am a citizen of Australia and UK and have family in both countries if it was not an emergency

But will they help when by not helping they might end up with more money?

That is quite an odious inference since you know neither the OP nor his daughters.

Edited June 2, 2015 by NanLaew

[mahtin]

It was meant to sound silly because for me it is silly to use a private hospital when perfectly adequate and far cheaper alternatives exist.

Of course it's always up 2 U.

Colonial? Poppycock.

[Anthony5]

 

Congratulations, Krobert6!

It's a good idea to have a re-entry permit in your passport -- never know when you might have to leave the country suddenly and you wouldn't want to void that marriage extension.

Do you have a Thai bank account? Probably. How about a Final Will in Thailand? And an Advance Health Directive (aka Living Will) You wife, too, should have a Final Will and Advance Health Directive. Esp. the Final Will so you'll be able to stay in house should something happen to her.

Do you have Health Insurance, or at least a Personal Accident insurance policy? If your wife is working, see if you can get coverage on hers.

 

Thanks for replying Nancy, ahh yes I will get a reentry soon as I intend to travel the region. Yes, I have multiple bank accounts.

My USUFRUCT is till my death - if my wife passes before me (unlikely) does the USUFRUCT not still stand?

I will have to look into the will suggestions seriously as I have interests in a couple of countries, would be very complicated for my wife to contend with - I do have daughters in Australia however who could help.

No health insurance - seems so expensive - any recommendations? I have always thought if I get seriously ill I am a citizen of Australia and UK and have family in both countries if it was not an emergency

That is unless the wife want to divorce you and want to retract the usufruct in court, since a contract made between spouses after marriage can be declared invalid by a court.

[justaphase]

No health insurance? Sod that. Its always OK till something happens.

[mahtin]

No health insurance? Sod that. Its always OK till something happens.

And if the insurance companies won't cover you because you're a bad risk?

Sometimes cash is the only option.

[Mario2008]

1 anti-Thai comment removed per forum rules.

[stevenl]

 

Congratulations, Krobert6!

It's a good idea to have a re-entry permit in your passport -- never know when you might have to leave the country suddenly and you wouldn't want to void that marriage extension.

Do you have a Thai bank account? Probably. How about a Final Will in Thailand? And an Advance Health Directive (aka Living Will) You wife, too, should have a Final Will and Advance Health Directive. Esp. the Final Will so you'll be able to stay in house should something happen to her.

Do you have Health Insurance, or at least a Personal Accident insurance policy? If your wife is working, see if you can get coverage on hers.

 

Thanks for replying Nancy, ahh yes I will get a reentry soon as I intend to travel the region. Yes, I have multiple bank accounts.

My USUFRUCT is till my death - if my wife passes before me (unlikely) does the USUFRUCT not still stand?

I will have to look into the will suggestions seriously as I have interests in a couple of countries, would be very complicated for my wife to contend with - I do have daughters in Australia however who could help.

No health insurance - seems so expensive - any recommendations? I have always thought if I get seriously ill I am a citizen of Australia and UK and have family in both countries if it was not an emergency

But will they help when by not helping they might end up with more money?

That is quite an odious inference since you know neither the OP nor his daughters.

I'm not saying anything about him or his family. I'm only warning that when money is involved previously good relationships can suddenly change.

[Soutpeel]

No health insurance? Sod that. Its always OK till something happens.

And if the insurance companies won't cover you because you're a bad risk?

Sometimes cash is the only option.

OK so how much should one hold as as lump sum then in case of emergency medical problems in the absence of medical insurance ?

[NanLaew]

No health insurance? Sod that. Its always OK till something happens.

And if the insurance companies won't cover you because you're a bad risk?

Sometimes cash is the only option.

OK so how much should one hold as as lump sum then in case of emergency medical problems in the absence of medical insurance ?

2 million for medical emergencies. Plus 800k for the annual immigration malarkey. Separate accounts of course!

[krobert6]

2 million sounds about right - I hold that in an account accessible to my wife along with the extension of stay money requirement. And no, she has never accessed it - maybe some of the ladies are different way up in the cold North

[mahtin]

No health insurance? Sod that. Its always OK till something happens.

And if the insurance companies won't cover you because you're a bad risk?

Sometimes cash is the only option.

OK so how much should one hold as as lump sum then in case of emergency medical problems in the absence of medical insurance ?

Obvious answer would be as much as a healthy person could get covered for.

Since that would probably be Bumrungrad (looked it up) ball park figure, less in my case.

And I have 6 stents, so I reckon your mate was ripped off, IMHO.

Got them whilst working, so on insurance, grins.

Edited June 3, 2015 by ubonjoe
moved reply from quoted text

[thaidrew]

You may find that there is no cover in Australia if you have been out of the country for more than two years. Certainly if your Medicare card has expired and you have been away for some time,that is likely to be the case.

[KC 71]

Ive decided if i snuff it , i want to be cremated etc in Thailand.

I live here pretty much most of the time anyway.

Ive heard stories of repatriation costing

1 million bht upwards.Can anyone tell me what i need to do to arrange this- I.e do i need to see a solicitor in the uk, consulates etc.

Sorry to be talking about this , but i guess its best to be prepared for the future !

Thanks for any help you can give me

[NancyL]

Ive decided if i snuff it , i want to be cremated etc in Thailand.

I live here pretty much most of the time anyway.

Ive heard stories of repatriation costing

1 million bht upwards.Can anyone tell me what i need to do to arrange this- I.e do i need to see a solicitor in the uk, consulates etc.

Sorry to be talking about this , but i guess its best to be prepared for the future !

Thanks for any help you can give me

Actually cremation here makes the most sense and that's what many Embassies encourage families to do. The simple thing is for you to tell your family and those most likely to make the arrangements for you about your wishes. Don't act embarrassed or like it's something that shouldn't be discussed. These are the people who will be asked by your Embassy what to do with your body when the time comes and it would be good if they remember having had a conversation with you about your wishes.

For something more formal, record your wishes in your Final Will and/or your Advance Directive (Living Will). You can do these without the use of a solicitor, although it's better to use one if your personal situation is complex and they can be done either in Thailand or here, although here in best if you live in Thailand. There have been numerous threads about these subjects elsewhere on Thai Visa and you can search to find them.

Your UK Embassy doesn't give a toss about your wishes in advance. There is no way to "register" your desires with them. They don't even have an active system in place now for registering how to locate your next-of-kin, unlike other countries.

[KC 71]

Thanks NancyL