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  1. #51
    Thailand Expat Pragmatic's Avatar
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    Quote Originally Posted by Norton View Post
    Not good for uninsured old gits like me.
    Nah worries Mr Norton. We can do a double up on a 'Go Fund Me' with TheGents when he has to leave cuz of Brexit killing the Pounds exchange rate.

  2. #52
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    Quote Originally Posted by Pragmatic View Post
    Nah worries Mr Norton. We can do a double up on a 'Go Fund Me' with TheGents when he has to leave cuz of Brexit killing the Pounds exchange rate.
    The Gent has already found an affordable policy, along with his tacit admission that he will lie to the insurers about his many prior conditions.
    Wait until the insurers legitimately ask for his civil service medical documentation.
    Couldnt happen to a more deserving case of terminal grumpiness. Sausage gate has nothing on this coming soap opera.

  3. #53
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    they do need to get their own house in order first,who are the bigest burden on the health system,then the tourists that arrive here with no insurance.
    then there is the hire company's that hire vehicles without checking if the hirer has cover.then as an expat with finance to cover anything serious HAVE.
    as for me having to take out a policy with any ins.company,at 74yrs.old with a history of problems i dont stand a chance even in heaven.
    these are just a few problems i would have to declare.
    with a 15inch scar on my chest,and steel clamps on my breast bone.[heart surgery]
    a 12inch scar on my left leg where they took out the vain for a double by-pass.
    the last 18months a stroke.
    a dozen seizure's.
    3ct.scans,and 1 cta.scan.
    4stays in hospital [gov]paid in total over 50k.bht.no treatment of any kind only meds.and a few minute's with the doctor.
    as its been a rearly bad 3yrs.for me&mrs.HH.our feelings are we DONT TRUST NO ONE.
    I don't and have never drove a bike and have been banned from driving a car,oweing to the medication I have to take for seizure control.
    SO THERE.

  4. #54
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    Quote Originally Posted by Seekingasylum View Post
    The best I can find is with the Kasikorn Bank
    For health insurance to go to the bank? The biggest health and life insurance (mostly connected together) is AIA, also Ayuthaya, with many various programs, also with investment. Few weeks ago was here a thread http://teakdoor.com/health-fitness-a...ml#post3837416 (Health insurance Thailand) .

  5. #55
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    Quote Originally Posted by misskit View Post
    Move to make health insurance mandatory for long-stay visas
    maybe better to require short termers who rent motorbikes to carry insurance.

  6. #56
    The Fool on the Hill
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    Quote Originally Posted by headhunter View Post
    they do need to get their own house in order first,
    a most formidable task - and considering the cost involved in providing "latest-state-of-the-art" medical services, really can't see it happening...

    Gotta wonder what their "solution" for those in your shoes (uninsurable) will be. As they require THB 400k/annum to "prove" you have enough to live here, are they gonna require an additional THB 400k held in a "dedicated medical services" account? A mandatory "self insure" option.

  7. #57
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    Quote Originally Posted by bowie View Post
    a most formidable task - and considering the cost involved in providing "latest-state-of-the-art" medical services, really can't see it happening...

    Gotta wonder what their "solution" for those in your shoes (uninsurable) will be. As they require THB 400k/annum to "prove" you have enough to live here, are they gonna require an additional THB 400k held in a "dedicated medical services" account? A mandatory "self insure" option.
    me have and not wanting to subscribe to some company that wants it.
    just this year alone,we have seen a lot of money being raised by the public for the purpose of buying the state of the art medical services.
    yet the last fund raising event is surrounded by so called embezzlement of the funds raised for the hospitals.
    so we expats that read or watch the news,all of us have a little bit upstairs of what goes on with money for the taking.
    this is what happened to me on my last,i say last not to be seen again there[gov.hospital] I had an injury this yr.caused by a doctors incompetence,and after a scan where they wanted 25k.bht.the wife told them she would only pay half,thats ok.
    but what followed was a misdiagnosis of what was wrong.if it wasn't for me demanding a referral to another hospital I would probably be on one leg.
    so as I am happy to be contained within my property and die there if it came to pass.
    so it will be interesting to see what happens to those who have the means to pay if its needed.will land of scams get to no1.
    Chinese tourists beware,no ins.go home.

  8. #58
    Days Work Done! Norton's Avatar
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    When I got my yellow book years ago they gave me a Thai health care card. Rarely use it but will make the case it constitutes Thai health care coverage. Could be an out for me.

  9. #59
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    i have been turned into a very very BITTER MAN.how much can one take,my wife has worked very hard to get me through the last couple of yrs.so i dont need any more of being like i was something on the bottom of your shoe's.
    i know its christmas day and i should be happy,but i wish i wasnt around right now,we miss our beloved dog who was treated by so called professionals who i now wish were on the bottom of MY SHOES.only time will tell,watch this space.

  10. #60
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    Quote Originally Posted by rickschoppers View Post
    Would Mecicare insurance cover this requirement?
    Yes

    And only if you're within the border of the USA or one of its "protectorates".

  11. #61
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    Chicken little, the sky is falling, has nothing on some of you guys, bunch of public servants on a free 5 star hotel break, food, booze, at tax payers expense, make a report.

    No costings, no anything, but justifies the holiday meeting.

    Every week some Gov, department comes out with some stupid report, recommendations , will never and never have been acted on, just jobs worth's trying to get their 5 minutes of press time.

  12. #62
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    this will show how WRONG this lot at the med.hub committeee meeting along with the dr.adviser for the ministry of public health.tourist and sport vice minister along with the immigration bureau.they seem to have not given this 10minutes of consideration to who is responsible for unpaid bills at hospitals and who are the main contributors to the hospitals being in the mess they are in.what would you say long term expats who live here compared to,TOURISTS who along with drunk drivers,mad drivers,motorists with no licences or insurance.in 11yrs.of reading forums on thailand i cant recall many expats that find themselves in the situation of ringing up unpaid bills of 100's of thousands of baht.most of them have assets of some kind,like me my wife has over 15million so is she going to see me rot in a hospital bed if i dont pay the bill.[oops dont answer]
    now come to todays report,A FAMOUS JAPANESE MARATHON RUNNER gets MOWN DOWN BY BIKE.
    he has a fractured skull.
    brain hemorrhage.
    serverly damaged right ankle.
    now the best part NOBODY to PAY THE HOSPITAL bills already racked up.
    there is no insurance cover so his friends are looking to raise,500,000bht.plus another 400,000bht.as he needed to be transferred by helicopter.
    so when this jumped up idea is to make expats on long term A-O VISA'S with yearly extensions foot the bills,comes before the next cabinet meeting for approval,please mr.big joke you get a couple of small jokes and chuck this where it belongs.
    and look elsewhere to fill the coffer's of these insurance co's and the private hospitals.
    keep up the good work MR.BIG J.dont spoil it by letting this get passed.
    Last edited by headhunter; 27-12-2018 at 10:56 AM.

  13. #63
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    something is sinister about this so called,long term visa holders who live here and do a yearly extension to stay here.are we rearly a burden on the hospitals in thailand.
    where did the DR.who is the minister adviser for public health,get the figures from.
    also at the meeting was the tourist and sport vice minister,does he have any information that expats are the cause of unpaid hospital bills.
    there seems that there is a witch hunt against long term expats WHO report to immigration 4 x 90days and pay for their extension 1,900bht.every yr.are these who play by the rules are the ones that have been singled out for some money making scam,or we are being victimized.when this goes before the cabinet for approval,will there be someone to represent from the other planet because why I ask that is there are almost 500replies on the subject.
    the accident I posted about yesterday only came to light in the morning in the thai news forum yet it happened on the 9th.dec.
    my feelling are although I can show ex.amount in diff.banks at 74yrs.old they will try and make me and everyone else take out a policy with a THAI.INS.CO.could be they are trying to put a stop to them that need an op.going to INDIA TO GET TREATMENT,yes its happening,just google and compare the costs of surgery in india v Thailand.

  14. #64
    Thailand Expat Pragmatic's Avatar
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    Quote Originally Posted by headhunter View Post
    seems that there is a witch hunt against long term expats WHO report to immigration 4 x 90days and pay for their extension 1,900bht.every yr.
    We're the ones easiest found because we're legit. It's the illegals that bring this shit down on us. Maybe it's time to name names? But mind you the illegals get their assistance from immigration officers, hence why they come down on legits. Illegals are looked after. It's all a charade.

  15. #65
    I am in Jail
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    Do you know many illegals who are protected by immigration?

  16. #66
    The Fool on the Hill
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    My thoughts today -

    On a personal note. I can and will continue to evaluate my and my wife’s personal situation. If, or I may say “when” it becomes better, in my opinion, to relocate back to the States, we will. Such a move will incur significant costs, but, money is only one side of the equation.

    I’ve run the gamut with immigrations. Thai and USA. Today I’m dealing only with a “married” couple situation. USA is considerably easier. But, medical Insurance is turning out to be a key factor. In the USA I was forced to pay a ridiculous USD $14k/annum for high deductible mandatory medical insurance. In Thailand with Cigna Global I’m paying USD $5k/annum for similar (not exact) but similar coverage.

    In 3 years I hit the magic 65, in 8 years, my wife does. At both of those key dates the results of the “formula” will change significantly as we qualify for medicare. We will see.

    Nothing holding us to the USA. Nothing holding us to Thailand. We do have roots, but, not deep roots.

    Everything is fluid – so, we will see, but, the evaluation continues. In my personal opinion, things are getting worse for people living in Thailand (all people), and, in my personal opinion, things are getting worse for people living in the USA (all people).

    As far as Expating into a different country, well, tough sales job to get the "social directors” approval, but, always a possibility. As things get tougher, my recognizance will broaden. Will be keeping all options open and choose whatever is best for the both of us. Ya do what ya gotta do.

  17. #67
    The Fool on the Hill
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    Quote Originally Posted by Pragmatic View Post
    We're the ones easiest found because we're legit. It's the illegals that bring this shit down on us. Maybe it's time to name names? But mind you the illegals get their assistance from immigration officers, hence why they come down on legits. Illegals are looked after. It's all a charade.
    article from the chiang rai times quoting good ole chief Hakpal

    https://www.chiangraitimes.com/thail...e-to-stay.html

    Pol Lt Gen Surachate is aware that attempts to separate good and bad foreigners may have some unpleasant impacts, especially on those who live and work in Thailand legally.

    However, Pol Lt Gen Surachate insisted authorities need to “expel bad guys and have only good ones stay.” The so-called “X-ray campaign”, in which police inspect a wide range of venues from small rented houses and factories to luxury hotels, looking for errant foreigners, has helped the government reach its goal.

    In October alone this year, police arrested more than 40,000 suspects. Many of them were blacklisted and prohibited from re-entering Thailand.

    Pol Lt Gen Surachate attributed the success largely to complaints from owners of accommodation as well as crackdowns on brokers who help foreigners renew their visas illegally.

    The visa issue is also a problem when foreigners are lured into renewing their visas via brokers. Checks by police found their services involve many irregularities, involving forging documents that certify applicants’ financial status and false claims of their money records.

    A law stipulates that foreigners who want to prolong their stay in Thailand need to have at least 800,000 baht in their bank accounts.

    This is exploited by brokers who resort to trickery to make officers believe that the visa renewal applicants have enough money to pay for their living expenses.

    They transfer money to their clients’ bank accounts in the morning to have the balance checked by officers and quickly withdraw it in the evening once the financial “proof” has been provided, Pol Lt Gen Surachate said.

    It is not such a serious matter if their clients are decent people, but some might be criminals, he said. He recommended foreigners who need help to contact his agency directly.


    See, so, there ya go, you legit and got a problem, "need help", well, just give 'em a call

  18. #68
    Thailand Expat Pragmatic's Avatar
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    Quote Originally Posted by bowie View Post
    This is exploited by brokers who resort to trickery to make officers believe that the visa renewal applicants have enough money
    'Trickery' in the form of bribes. Now let's be honest.

  19. #69
    Thailand Expat jabir's Avatar
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    Would be a shame if they raided visa companies for records and staff for questioning, aside from a bunch of extorted farangs they might also rope in a crooked IO or two.

  20. #70
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    Quote Originally Posted by bowie View Post
    My thoughts today -

    On a personal note. I can and will continue to evaluate my and my wife’s personal situation. If, or I may say “when” it becomes better, in my opinion, to relocate back to the States, we will. Such a move will incur significant costs, but, money is only one side of the equation.

    I’ve run the gamut with immigrations. Thai and USA. Today I’m dealing only with a “married” couple situation. USA is considerably easier. But, medical Insurance is turning out to be a key factor. In the USA I was forced to pay a ridiculous USD $14k/annum for high deductible mandatory medical insurance. In Thailand with Cigna Global I’m paying USD $5k/annum for similar (not exact) but similar coverage.

    In 3 years I hit the magic 65, in 8 years, my wife does. At both of those key dates the results of the “formula” will change significantly as we qualify for medicare. We will see.

    Nothing holding us to the USA. Nothing holding us to Thailand. We do have roots, but, not deep roots.

    Everything is fluid – so, we will see, but, the evaluation continues. In my personal opinion, things are getting worse for people living in Thailand (all people), and, in my personal opinion, things are getting worse for people living in the USA (all people).

    As far as Expating into a different country, well, tough sales job to get the "social directors” approval, but, always a possibility. As things get tougher, my recognizance will broaden. Will be keeping all options open and choose whatever is best for the both of us. Ya do what ya gotta do.
    Exactly how we are doing it Bowie. Albeit I am not at all wound up about this insurance deal as its all talk at this juncture. My wife and I have always said that a return to the US is not out of the question if things get too weird here but currently we are enjoying a great life so no need to sit around and ponder all the what ifs and work oneself into a frenzy. Wait til they make a change and then weigh options and various scenarios.

    That said, I will chime in on this 'potential insurance" mandate. There is no way that what few number of foreigners that live here full time are walking away from hospital bills. What I think has started to spur these ideas of insurance is the few recent news events of foreigners (tourists on holiday) getting hurt doing stupid shit and have no money to pay the medical bills. I also think there are costs to medical services for foreigners that take swan dives off roof tops in Pattaya and BKK. I assume no one pays those bills. However mandating accident insurance for tourists could really shunt folks from visiting Thailand. To me this would be about economics and its quite simple. Take the number of tourists that visit annually, take the total dollar amount lost due to tourists or foreigners not being able to pay their bill annually divide it out and just start a visa fee in which that fund supports those times a tourist does something stupid and can't pay up. At last estimate 32.5 million tourists will visit Thailand during 2018. Add a 160 baht ($5usd) or whatever insurance fee when entering and the govt stands to make 5.2 billion baht ($162.5 mil USD). It would be interesting to see what the baht or dollar amount is lost due to foreigners walking away from medical services performed. I do not think they have the system nor capability to tally up that number. If they did I'd bet they would find it to be statistically insignificant.

    Regardless, I am one of the self insured folks here. I pay as I go however I do have modest reserves to pay for a major medical event should something come up. My 400K in the bank for the visa extension also serves as a "binder".

    I have always personally felt medical insurance to be a HUGE scam. The US is the worst. But that's a debate for another thread I suppose.

  21. #71
    The Fool on the Hill
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    Quote Originally Posted by JPPR2 View Post
    Albeit I am not at all wound up about this insurance deal as its all talk at this juncture.
    Well, I don’t get wound up about it, but, being retired I’ve got plenty of time to review “things” that may, or may not, impact me and mine. Preparation is the key to any situation. Smooth transitions. So, it may impact me, I'll look at it - I do have plenty of time.

    Quote Originally Posted by JPPR2 View Post
    I will chime in on this 'potential insurance" mandate.
    Comment on this: There already is an insurance mandate for the long-term 5/5 visa, along with the THB 3M lump sum money. Three Thai insurance Companies have plans developed specific to satisfying the criteria of the mandate. And, I know just how easy it is for a “special interest” group financed at the back door of an insurance company(s), to pull the strings and influence votes. Happens all the time and in all countries. There is no way the pay-to-play scenario does not exist here – it exists everywhere.

    Mandatory "travel insurance" (as proposed/discussed) will be a much harder nut to crack because of the “enforcement” of a travel insurance requirement. Although I do believe they could, and/or will, fund “travel insurance” as an airport fee. Used to have a THB 500 airport fee - raise it to THB 1,500 (my last travel insurance premium to Thailand was USD $54)

    Thai administration is getting “funding hungry”. Just installing first round of property taxes this upcoming year. Politicians get addicted to taxation. So, it begins. The every spiraling increase in taxation.

    Pardon my cynicism…

    And, for the disclaimer - nothing is in print so naught but speculation at this point in time (however, looking at the possibilities will take a lot of the "sting" out of these "burdens" if they are implemented.) Forewarned is prepared - and, as I look at these possible "costs" and prepare my forward plans, I can act, as opposed to react.
    Last edited by bowie; 28-12-2018 at 05:13 PM. Reason: typos

  22. #72
    The Fool on the Hill
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    Quote Originally Posted by jabir View Post
    Would be a shame if they raided visa companies for records and staff for questioning, aside from a bunch of extorted farangs they might also rope in a crooked IO or two.
    No, no, no, they're not "crooked", they were "tricked".

  23. #73
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    Quote Originally Posted by bowie View Post
    No, no, no, they're not "crooked", they were "tricked".
    Yes a mate of my mine tricked an IO into depositing 804k into his account while he sat on a bench three metres away and received a bank sms to that effect. But his joy was dispelled a few minutes later when the old gal realised her error and withdrew it, also confirmed by sms, updated his passbook and never mind seeding for 3 months, three minutes was enough for his retirement extension. Nothing out of the ordinary for someone to withdraw such a large amount from someone else's account, eh?

    But to be fair I'm not sure if it was trickery or hypnotism, because earlier that day he waved some brown notes in her face.

  24. #74
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    When I retired I continued my Thai Social Security health care coverage. For 450 baht per month I have full coverage. I expected they would get around to making health insurance a requirement.

  25. #75
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    42killed,432 injured,30% caused by DRUNK DRIVERS say's the minister for tourism and sport,was this the same bloke who voted for,mandatory insurance for long term A-O visa holders. has he got all the no's,HOW MANY LONG TERM VISA HOLDERS WERE INVOLVED.
    just to add to the above, there was 31,000 drivers stopped who had NO LICENCES,does that mean MINISTER? NO INSURANCE.
    JPPR2 I too am self covered but if we are made to take out health cover by a THAI INS.CO.if we refuse then what no extension.i wouldn't like to even think about I would have to pay for any cover with my record.
    don't forget the main instagators in this scam have sent this to the next cabinet meeting for APPROVAL.do you think this lot will lose face by rejecting it.

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