Another chart - more detail
Last edited by bowie; 23-12-2019 at 10:45 AM. Reason: correct chart display
Last edited by bsnub; 23-12-2019 at 11:16 AM.
Forget medical insurance that is affordable for over 60s for overseas residence. Essentially, if they accept you with no worrying pre-existing issues ( but really all are indicative of future concerns ) you could expect to pay for comprehensive cover an annual premium in the region of £4-£5,000. But at least you would receive insurance that provided for a realistic level of care although a loss adjustor will always be lurking in the wings to pressure for some therapy or other that is cheaper. With some existing problems then a premium of £7,000 plus is likely.
In Thai terms, a policy covering the mandatory visa extension requirements for a typical retiree will cost around 40 - 60,000 baht but you will only be insured for a level of care limited to 500,000 baht of inpatient treatment, a limit that in some private hospitals is worryingly tight - most hospitals treating a fee paying farang would be looking to charge an all-in price of 120,000 - 150,000 baht for a simple appendectomy but the premier business centres would be looking to whack you for twice that.
Medical Insurance is a deep and complex subject.
Starting with “Do you need medical insurance?”, and/or, “What do you need medical insurance for?”
What if’s; a serious vehicle accident, a serious trip and fall accident, a heart attack, a debilitating stroke, organ failure, blood clot, cancer, broken bone, infection, blindness, deafness, physical mobility debilitation, etc.
So, after considering the possible maladies listed above, you do not necessarily need a medical insurance policy, but, you do need to know just what you will do if any of the above occur to you, your spouse, or your immediate family under your care.
If you are well cashed up you can afford to self-insure. Few fall into this category. The Thai solution of mandatory 40k/400k medical insurance is a farce considering the actual cost involved in treatment of the above-mentioned potential problems.
Repatriation – expensive and possibly not an option depending upon your physical condition.
I carry a USD $1M policy with a repatriation clause for myself and my wife. $10k deductible. Premiums are running a bit more than USD $5k his year. Historically been increasing 15% per annum. I can afford it and will continue to carry this policy until it becomes “cost-prohibitive”. However, I do not have a valid definition of what cost-prohibitive means for me and the wife.
The subject can get into some deep philosophical discussion.
What insurance do you carry and what are your future plans? Is your family protected? And, how well is the protection?
You may die, you may survive but you ain't gonna "live", just carry a "Do Not Resuscitate card", say, "Turn the machine off."
I suppose it boils down too, what kind of life you've lived.
Would you rather give the THB 150,000 a year + annual increases, to an "insurance" company/a hospital/a doctor/an airline/a home nurse .... , or invest the sum every year in some easily available "investment" leaving it to your wife and family instead?
Have a chat with your wife, see how she responds.
Last edited by OhOh; 23-12-2019 at 08:16 PM. Reason: maths
A tray full of GOLD is not worth a moment in time.
You do mean 150,000 baht of course.
And considering thats for 2 people with a very high coverage I'd say its not a bad deal, quite good really.
Put that up against the retarded Thai Insurance the Filth want whitey to buy and it's great.
There was a Pomgolian in Pattaya who contracted throat cancer last year.
His total bill was 100 K US buks. That was with Chemo, radiation and operation.
No insurance. I'll pay the Insurance anyday and so will others who have a few buks.
The ones that don't have the money will be fooked if bad shit goes down.
Whatever eh.
In Thailand, they will not “turn the machine off.” Hospitals are bound to keep you alive. The only way you can get off of life support is for your family to take you home.
Does anyone know if a you can do a “Do No Resuscitate” card in Thailand? Can one do a DNR in a Thai hospital?
You're not getting with the program are ya mate.
A proper International health insurance will save you in the event of a serious treatable fookin illness.
If ya gunna fooking die because of an untreatable illness ya fuked either way.
It's not fookin hard to work out.
The silly Pomgolian fooker down Pattaya was planning to insure at age 60. Missed it by 1 year.
Getting treatment for any cancer related issue in this shit house is incredibly expensive and this is why most Ex-pats insure.
Anyway, you do not have to but don't start up a Go Fund Me when the Dancer cums knocking.
I'll be giving ya fuk all.
Well, its choices surely. If you up sticks from the UK where you have free health care to a 3rd world country where nothing is free then get all bent out of shape because you expected everything to stay the same as the day you sold up, burnt your bridges and were laughing all the way to the bank at 70 bht a pound then .... who the fuk apart from Mr Sausages could gives a flying fuk, sorry but don't look for sympathy if you are too stupid not to understand you turned your life over to someone else to decide. Then complain its not fair.
Yea, to expand on this insurance issue. When I did do my due diligence, I used the criteria and formula of one of us getting “sick”.
In that case I add the annual premium of my Global Expat Plan $5,054.89 plus the deductible of USD $5k for the customers outlay of $10,054.89. Now, the insurance company will pay up to a maximum of USD $1M per sickness/injury.
USD $1M/10,055 = a coefficient of 99.45 for Global coverage of two persons.
The Best of the longstay.tgia pricings listed was THB 40k/400k = THB 440k per injury/sickness at an annual premium of THB 60k.
THB 440k/60k = a coefficient of 7.33 for coverage in Thailand of one person.
Value Factor = 99.45/7.33 = 13.6X, yup, my Global Expat policy for two persons is 13 times as cost effective as the Thai insurance(s).
And, multiply the factor by two for two persons. Yes, my Global Expat Insurance is 25X more cost effective than the Thai offers.
And, this is before any exclusions (none on my Expat Policy)
Now, money, of course, means different things to different people. If my insurance premiums did, in fact, impact my standard of living or quality of life, I would view things differently.
As far as the “in the long run, wouldn’t your family be better off if the premiums were invested versus given to an insurance company?” Well, Yes, with one very important codicil, that being that both persons remain healthy and accident free. One sickness, accident, infection, or disease and then the answer changes to a resounding No.
And, the important thing in all this is, although two persons may have similar situations and goals, no two persons think alike. Individual and family circumstances impact any and all medical and financial decisions and what is the correct action for myself is not necessarily the correct action for you.
Yes, get a living will which covers DNR. I have had one since the law went into effect in 2007.
Lot's of family law lawyers do this. One example.
https://www.samuiforsale.com/family-...-thailand.html
I agree entirely with that mate.
Many farang simply amase me with their stupid fookin views.
They pack their shit up in Farang land to bunk up in a 3rd world cuntry where they are seen and looked upon as fuk all.
Us round eyes have zero rights here and are always looked upon as outsiders regardless of how many years one spends here and at the end of the day we are only here for as long as our Visa is valid for and money holds out.
The only ones who may give half a fuk are Whities Bint and associates but in general we matter not 1 fuk to the run of the mill Thai.
So that said at the end of the day it is the power of our money that lets us remain here and that is it in a nut shell.
Once that is exhausted Whitey can kiss his arse good by.
So in conclusion one must be cashed up.
Really could not give a flying fuk what anyone says about that but it's the god dam truth.
Unfortunately this health insurance gig is a major drain on ones finances as one ages.
Fuker goes up and up and fookin up.
And on top of that some companies fuk you off once reaching the age of old coont.
So the question is can you afford it further down the line ?
If the answer is No then one is put in a diabolical situation if needing high cost health care.
A major issue to consider if one is planning to retire here and an issue where many put their head in the sand and hope for the best.
Fuked up really innit.
Actually, the question may be do you need it further down the line?
Once you reach a certain age or stage in life, all the medico's are doing is extending your no-quality-of-life existence so they can bleed every penny out of your purse.
At what point in time does cancer chemotherapy become the cure is worse than the disease?
How many stents before you say "fuck it" not again.
Organ transplant, anti-rejection drugs, miserable side effects, no "quality-of-life"
Yea, I'm near the end of my life, kids raised, bucket list is empty, lazy days doing pretty much nothing - other than shit I like to do.
Don't really know if I'm mentally prepared for a serious medical recovery. All the legal docs declare my wishes - no medical intervention without my signature revoking my medical directives.
Situations change. I live a relatively pain free existence. As I age though - it's getting worse.
Of course though, got family history of longevity... so, we'll see what life throws my way
One does not receive "free health care" anywhere. In the UK the citizens pay taxes to the government. The government decides how much to fund the nations citizens "health care". The amounts are "promised" generally by the candidates prior to election. After being elected more "promises" are made but unfortunately few are delivered fully.
Due to "unforeseen" budget shortfalls.
In Arsetralia the Health care system is nearly free.
Of course we who choose to pay Private do so for the peace of mind that shit gets fixed up when it happens . In the Private Hospital you get your own room and 5 star service. As long as you can afford the premiums it's all good.
That said, the Public system in Australia is very good, the best part about it is that if you have cancer or a very serious illness you are bunked up to the front of the line and straight in. One's financial situation matters not 1 fuk. This is how it should be.
But if one has a dodgy hip, knee or dislocated cock you go to the back of the line while they deal with the other plebs before you. This also is how it should be. Could wait in considerable pain for 12 months up before ya get sorted. The other option is to pay cash to get shit fixed.
The punters who do not have Private Health pay a levy on their tax so it's not entire free but very close to it.
The big winners are the unmarried mothers, welfare wankers, coons and any other shit bags who do not work nor contribute to the health system. These fukers pay Zero.
Arsetralia the lucky country eh .
Certainly is if you are a fookin trash bag living off welfare all ya life.
I actually found it to be piss poor.
I suffer from PAD in both legs, could walk about 30 meters before the severe pain sets in.
Numerous visits to hospital and specialists (not all covered by medicare) since 2016, my last visit the specialist in June this year he said the matter will not correct itself and I need a double bypass done however he wants to do one last test which is a treadmill test and scheduled that june next year but also mentioned if my toes go black in the mean time I should see my doctor to get a referral to come back and see him.
However.... Back here working now involves a lot of walking and I just gritted my teeth and walked through the pain and here we are 6 months later and most days there is no pain at all anymore.... so much for it wont correct itself !!
If I get time during this 2 week holiday I plan to get to the hospital and have a ankle brachial index test done.... last one in AUS the test came back at 0.31 in the left leg and 0.843 in the right, I expect those numbers are now closer to 1.0.
The Meth One's Fuck The Best !!
Had to go look it up:
https://www.nhlbi.nih.gov/health-top...artery-disease
Peripheral artery disease (P.A.D.) is a disease in which plaque builds up in the arteries that carry blood to your head, organs, and limbs. Plaque is made up of fat, cholesterol, calcium, fibrous tissue, and other substances in the blood.
Treatment often includes making life-long heart-healthy lifestyle changes such as:
Physical activity
Quitting smoking
Heart-healthy eating
Sounds as though you are on track with it. Good luck with it.
Yeah have cut back the beers and am exercising (walking) A lot more, diet is down the shitter now that I mainly eat Thai food which from a health perspective is not all that good...... Leg of lamb with all the trimmings tomoz though !!
Now to kick the ciggies but thats a tough one and I struggle with it but have cut back from 2 packs (20's) a day to 1.
Would also like to get rid of a few more KG but that too is a work in progress but am down to 92kg at the moment... was 136kg when I had a stroke back in 2016.
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