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  1. #151
    Thailand Expat
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    Quote Originally Posted by jabir View Post
    Just make sure those that matter know about your living will, that you made it in the right state of mind, and also confirm it early when things start going wrong. They can be expensive to challenge,
    Quote Originally Posted by Fondles View Post
    Ahhh yeah living will, mum tried to do one before her dementia
    My father, in the UK, handed over to two of my brothers all powers to act from him. As he aknowlwdged his mind was going. Family was consulted and along with neighbours of him signed off.

    They took control of all his responsibilities.

    His will was already known by his four sons. One brother was made the executor.

    A simple, regular occurrence in the UK.
    A tray full of GOLD is not worth a moment in time.

  2. #152
    Thailand Expat terry57's Avatar
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    So ya gunna OD on the Morhine when ya fooked up in Lieland eh. Where ya gunna get it ?

  3. #153
    Thailand Expat terry57's Avatar
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    Fukers playing hard ball on the shitty oil

  4. #154
    Thailand Expat terry57's Avatar
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    Yer OK then shitters,

    Ya gunna get Health Insurance until ya an old Crusty fuk and then ya gunna dump it.

    And when ya get terminal cancer of ya cock ya gunna bang down 6 litres of Morphine and live happily ever after. ??????

    So where ya gunna get this shit and ya recon ya gunna time it right ???

    I fookin doubt not eh.

  5. #155
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    Quote Originally Posted by Dillinger View Post
    Hell yeah.
    Have you seen how a normal Thai dies, in agony with no morphine or dignity.

    I wonder if the guy has got any family back home or will be a lonely death in a hospice over there.Be better than having that annoying skinny bald yank visiting though
    Seems to me, live in a small village, mostly jungle area, aging population and they die at home in their own bed with dignity. Most check out of the hospitals and come home to die with family. Can hear at dog bark from a kilometer away and never hear anyone screaming in pain. District nurse comes around daily, no shortage of morphine, but they don't seem to need it.

  6. #156
    Thailand Expat terry57's Avatar
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    Let us know how you go when ya all fooked up Jim. ????

    Ya gunna get ya glow on with ya Leo whilst full of Cancer eh. ??

  7. #157
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    Quote Originally Posted by terry57 View Post
    Let us know how you go when ya all fooked up Jim. ????

    Ya gunna get ya glow on with ya Leo whilst full of Cancer eh. ??
    Everyone dies Terry, no matter how much insurance you have, an extra year or 2 is of little importance. You can just hope you go to bed and not wake up one morning.

    If your fear is a painful death, get a gas bottle of nitrogen, or helium, plastic bag and you will sleep forever.

    Had 3 friends die last year, cancer, guess I am at that age, same as you, death is knocking at doors. All 3 were just feeling a bit off, went to the doctor. One dead in 48 hours, second one dead in 2 weeks, 3rd one lasted 3 months.
    They should have stayed home, they would have died anyway, without the worry.

    As I have posted before, only go to a doctor to get sown up, not interested in health checks, when it's time to go, so sad too bad.

  8. #158
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    Quote Originally Posted by jabir View Post
    but for now I don't think it's death that people fear so much as the act of dying, life's ultimate humiliation of a once strong body that shuts down and off.
    My mother died unexpectedly in hospital after a "routine" operation. My father died in a "palliative care" home, 2 hours after my brother visited him.

    To be honest I don't believe he knew where he was, or who we were, for months previously.

  9. #159
    CCBW JPPR2's Avatar
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    Quote Originally Posted by jamescollister View Post
    Everyone dies Terry, no matter how much insurance you have, an extra year or 2 is of little importance. You can just hope you go to bed and not wake up one morning
    Absolutely right. Some people are obsessed with med insurance like some how its going to save them. We all die.. And as you noted, a few extra years after say 65 or 70 is of little importance. I just hope these guys all worried about it lived a life early on and are not thinking somehow later in life they will catch up on the things they didn't do. Just doesn't work that way.

    Quote Originally Posted by jamescollister View Post
    as I have posted before, only go to a doctor to get sown up, not interested in health checks, when it's time to go
    I am same. Wife and I did however do a physical check up last year, wife wanted too so I went long with it to see. All was in range or close so that's good enough for me. I think most westerners have drank the Pharmaceutical Kool Aid. I mean FFS, I was just back in the states and every damn commercial on TV was about a new med they have for people and then they list the new disease. Then during the day is all about life insurance for old folks. They just inundate the population with fear and illness. When your time is up...its up.

  10. #160
    Hangin' Around cyrille's Avatar
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    Quote Originally Posted by jamescollister View Post
    Everyone dies Terry
    Tel's convinced that expiring from smoke inhalation after interrupting his session on the Cooper's to rescue Nicole Kidman from a burning building is still on for him.

    He's not thinking so much about the tubes and shitbag and that will probably be involved.

  11. #161
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    [QUOTE=jamescollister;4047617]Everyone dies Terry, no matter how much insurance you have, an extra year or 2 is of little importance. You can just hope you go to bed and not wake up one morning.

    If your fear is a painful death, get a gas bottle of nitrogen, or helium, plastic bag and you will sleep forever.

    Had 3 friends die last year, cancer, guess I am at that age, same as you, death is knocking at doors. All 3 were just feeling a bit off, went to the doctor. One dead in 48 hours, second one dead in 2 weeks, 3rd one lasted 3 months.
    They should have stayed home, they would have died anyway, without the worry.

    As I have posted before, only go to a doctor to get sown up, not interested in health checks, when it's time to go, so sad too bad.[/QUOTE
    at 75 and have had my fair share of pain the last few yrs.i have told the wife if I am in trouble leave me in bed with my money and fyck any insurance or hospitals.

  12. #162
    The Fool on the Hill bowie's Avatar
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    Quote Originally Posted by headhunter View Post
    fyck any insurance or hospitals.
    Yup, wisdom, all that matters is quality of life, had the discussion with the wife.

    Forced her, and myself of course, to the full regime of preventative medicine testing and procedures. Ton of money spent in premiums, deductibles, copays, etc. Mid-life times, gainfully employed back in the USA, medical insurance company paid - real figures, good medical insurance, company paid USD $900/mo. plus employee paying $300/mo. So, the medical insurance company received $1,200/mo. per employee. Employee also had copays and deductibles to "supplement" if someone got sick.

    So, USA, as working folk the insurance premiums came out to USD $14,400/annum per person. Add in copays and deductibles if someone gets sick.

    Today we carry a Cigna global Expat Insurance Plan covering us both. Maximum of USD $1M/sickness. Two persons, premiums are a bit more than USD $5k/annum.

    With a $5k deductible. No outpatient so not qualified by Thailands mandatory insurance criteria (also not a Thai company).

    So, if either of use get "sick", we shell out about $10k (premium plus deductible).

    As we age the premiums will increase - past five years been going up 10 to 15% per year. Will it ever become "cost-prohibitive" ?

    Well, certainly, at some point in time. Hey, when your numbers up your numbers up and spending copious quantities of money to stay alive in a pained "no quality of life" situation or scenario makes absolutely no sense at all.

    Why wake up to another day of pain?

    Anyway - full blown medical directives in both Thailand and America with the proper attorneys in both countries with Do Not Resuscitate directives.

    One interesting point - in the USA mid-2019 medical directives our attorney added a stipulation stating that our actual signature is required to alter from the directive. As per his opinion - several cases in the US of family members challenging medical (DNR) directives in a court of law - thereby legally prolonging the suffering of afflicted persons.

    Anyway - discussions with the wife specific to "end-of-life". When it comes pull the plug. No attempt allowed at all to prolong life - See you On The Other Side.

  13. #163
    Thailand Expat terry57's Avatar
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    Quote Originally Posted by cyrille View Post
    Tel's convinced that expiring from smoke inhalation after interrupting his session on the Cooper's to rescue Nicole Kidman from a burning building is still on for him.

    He's not thinking so much about the tubes and shitbag and that will probably be involved.
    Na,

    Right now im just trying to survive the acid rain in Bangkok before i fook off out of the polluted fookin shit hole.

    I love Bangkok but fook me shes fooked up this year already.

  14. #164
    Thailand Expat terry57's Avatar
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    When im back to Perth ill get all my checks done as per usual and i do this so if theres anything going down the Doc can hopefully get on top of it before shit gets worse.

    The reason for this is my good self wants to keep sucking the good oil out of life and power on doing good shit.

    You tossers who stick ya head in the sand and do not have regular checks can keep on doing that.

    Good luck fukers.

  15. #165
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    Klondyke's Avatar
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    Quote Originally Posted by jamescollister View Post
    As I have posted before, only go to a doctor to get sown up, not interested in health checks, when it's time to go, so sad too bad.
    Not quite right: How about e.g. appendix - do you want to die in huge pain instead of having it cut out and enjoy another 20 years here?

    There are many examples what can come up (mainly inside of the body of an old man, prostate, etc). Mostly it's no problem to have it healed - however with quite expensive treatments, surgeries - and off you go for another many years at TD Todays' Posts...

  16. #166
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    Quote Originally Posted by terry57 View Post
    Na,

    Right now im just trying to survive the acid rain in Bangkok before i fook off out of the polluted fookin shit hole.

    I love Bangkok but fook me shes fooked up this year already.
    What I don't understand terry is why do you stay in Bangkok, when you are in Thailand?
    If its so bad, there are many other places in Thailand to chose from that are much better surely.
    And as you so often tell us you are cashed up so being able to afford to stay somewhere nicer should not be a problem.

    That being said because you are cashed up you do have that choice.
    Where are you fook off to? Back to WA?
    Every time I go back there to visit I look forward to coming back here.
    Too many rules etc. for me.

  17. #167
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    Quote Originally Posted by headhunter View Post
    As I have posted before, only go to a doctor to get sown up
    FIL was stripping side shoots off a branch, he inadvertently cut his big toe. Resulting in it hanging on with a few shreds of skin. He was about to continue when I said to my wife he should go and get it stitched back on. Nobody else seemed at all perturbed, Pa wanted to finish his work.

    After some discussion the family agreed with my suggestion. I took him to our local clinic where they cleaned the wound and offered him a local injection to reduce the pain. He said no thanks and they stitched it back on.

    He still has two big toes and carries 50kg loads of Durian fruit up and down slopes all day. Slopes that I have to crawl up with no load, as they're to steep. He does have a pair of cheap, plastic, slip on shoes that are much more adapted to the local conditions though.



    I'm not so sure the younger Thais will be as tough.

  18. #168
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    ^^^ klondyke
    exactly.

    health insurance is no guarantee against death from disease, but it will cover you for the often expensive treatment of curable ailments before they become painful, debilitating and life threatening.

    all this head in the sand "just put me to bed with a morphine drip" is quite laughable.

  19. #169
    Thailand Expat terry57's Avatar
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    I actually think that punters who do not keep on top of there checks are terminally fuking stupid.

    The medical system now is so advanced that they can stop shit in its tracks before it progresses into full on life threatening illness.

    Cancer these days is not a death sentence, many cancers are treatable and i know many punters who are still alive today because of early diagnosis and treatment.

    Take that shit on board fukers .

  20. #170
    Thailand Expat terry57's Avatar
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    ^^

    A lot of these guys talking up a heap of shit. The old chestnut regarding when its time its time is fuked.

    Totally irrelevant in todays world of medical science.
    Last edited by terry57; 19-01-2020 at 11:01 AM.

  21. #171
    Thailand Expat terry57's Avatar
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    Quote Originally Posted by ootai View Post
    What I don't understand terry is why do you stay in Bangkok, when you are in Thailand?
    If its so bad, there are many other places in Thailand to chose from that are much better surely.
    And as you so often tell us you are cashed up so being able to afford to stay somewhere nicer should not be a problem.

    That being said because you are cashed up you do have that choice.
    Where are you fook off to? Back to WA?
    Every time I go back there to visit I look forward to coming back here.
    Too many rules etc. for me.

    I would go fuking mad living up in fuksville, the drone of the city full of its opportunities is where i want to be. Bangkok is my place, the pollution is part of it.

    Im only here for 3 months max then back to Perth and then down the road touring.

    Then back to this shit house. I fookin love Bangkok.

    Fooking brilliant innit.

    Keep it all fresh and mixed up eh.

  22. #172
    The Fool on the Hill bowie's Avatar
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    Quote Originally Posted by terry57 View Post
    Right now im just trying to survive the acid rain in Bangkok before i fook off out of the polluted fookin shit hole.
    Yea – fuck. Tel, just what the hell happened to the Big Mango?

    Been back and forth ‘bout a dozen times this past month. Never seen the shit in the air like it is now. Fark.

    Gonna hafta head up to pristine Chiang Mai for some clean air it seems.

    Chiang Mai air pollution worst in the world - Bangkok Post

    Uhm, oh, well, never mind…


    Bangkok’s swimming in its own filth.

    Some pix I took yesterday from my MRT run. MRT getting quite crowded too. Plenty more condo’s going up – yea, like we really need ‘em.

    The rising cost of health insurance in and out of Thailand-img_0092-jpg

    The rising cost of health insurance in and out of Thailand-img_0093-jpg

    The rising cost of health insurance in and out of Thailand-img_0094-jpg

    The rising cost of health insurance in and out of Thailand-img_0096-jpg

    The rising cost of health insurance in and out of Thailand-img_0098-jpg
    Attached Thumbnails Attached Thumbnails The rising cost of health insurance in and out of Thailand-img_0092-jpg   The rising cost of health insurance in and out of Thailand-img_0093-jpg   The rising cost of health insurance in and out of Thailand-img_0094-jpg   The rising cost of health insurance in and out of Thailand-img_0096-jpg   The rising cost of health insurance in and out of Thailand-img_0098-jpg  


  23. #173
    Thailand Expat terry57's Avatar
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    Been living here for 6 years and never seen anything like it.

    Walking yesterday on Silom you could see the pollution in the air.

    Today is fuking worse. ??????

    Anyway this year im not coming back till July.

    Should be gone by then.

    Maybe.

  24. #174
    CCBW JPPR2's Avatar
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    Quote Originally Posted by taxexile View Post
    health insurance is no guarantee against death from disease, but it will cover you for the often expensive treatment of curable ailments before they become painful, debilitating and life threatening.
    Well Tax, I fully agree and up to a certain age insurance makes sense. I absolutely think it is best to have med insurance, especially when younger as those ailments can likely be cured and as you stated, go on about life. Then you reach an age when you sadly have to spend a shit ton more for coverage because they know your are a risk of major ailments. When does it have diminishing returns? As many have stated, Its about the quality of life, not slowly being dissected to keep you alive and all that money spent to medical businesses to do it.

    I have always had med insurance and do now. Its quite basic. But at some point the time will come when I will let it go and what happens, happens. I have the resources to cover all basic to intermediate type medical ailments.

    In the end, this is all about choices. I respect everyone's opinion on the subject. What works for one, may not for another but I know I am not going to stress over what I might get or have happen in the coming years. I am on the 3rd segment of life so just gonna let it play out.

  25. #175
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    ^

    its one of the many gambles we must take in life.

    i have a couple of health conditions that although not life threatening need monitoring and i am glad that my insurance covers this.

    i am no longer full time in thailand and so take out travel insurance for the time we spend here. its a lot cheaper than full time cover sourced in thailand and covers my pre existing conditions. thankfully, whilst in the uk the government system, although clunky and at times inefficient, covers everything. having worked in the system i know how to push my case when necessary and pre-empt the the problems of access before they occur.

    for me, the most important cover is re-repatriation to the uk should something serious occur, once stabilised i would not want to be treated in a thai hospital and hope that the insurance company would deal with my case properly and get me back to the uk rather than leave me in the care of the doctors and accountants who run the thai system. wishful thinking maybe knowing insurance companies, and i am under no illusions, but those are the choices and gambles we make and take.

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