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  1. #1
    Thailand Expat
    Simon43's Avatar
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    I have to return to the UK...

    Without going into details, my medical insurance company - April International Insurance of France has flatly refused to pay for my prostate cancer investigation and treatment here in Thailand, and has cancelled my policy immediately and retained all premiums that I've paid. Their decision is shocking and (IMHO) purely done as a way to wriggle out of paying for my treatment. This means that I currently have no insurance cover at all. I am currently working with ISIS to kidnap and horribly torture the executives of this fiendish company.......

    I cannot afford to pay for the biopsy and subsequent surgery myself (around 1 million baht in total). So I must return to the UK and be treated 'free' under the NHS. Returning expats who state that they have returned to live in the UK permanently are able to receive free treatment immediately under the NHS. (If asked, they need to show evidence of accommodation, bank account etc).

    Cancer treatment under the NHS is actually very fast - my previous doctor (20 years ago), has no record of me now, but after explaining my position to them, they said that they would re-register me straightaway when I visit them and will refer me to the cancer hospital where initial consultation takes place within 14 days and treatment starts within 1 month.

    Will I remain permanently in the UK? Of course, I can't possible comment But this trip will allow me to also do some admin tasks, such as renewing my UK driving licence, opening a local bank account, registering with my doctor etc.

    I can continue my online teaching in the UK - the timezone is still compatible with my students.

    The only issue is the high cost of accommodation that I will need to rent. Seeing that I can work from any location and be treated at any UK cancer hospital, I might end up in Hull or somewhere....

    Unless someone has a property anywhere in the UK that is available for a cheap rent ...
    Groping women when you're old is fine - everyone thinks you're senile

  2. #2
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    Sorry to hear about your condition, and hope it's either benign or treatable as most cancers are now days.
    Unfortunately insurance companies are not in the business of paying out, They are IMO in the business of collecting.They will look for any excuse to deny payment.
    It isucks that while you are fighting this disease, you would have to fight these insurance scam.
    Good that you have the option for NHS treatment, and the ability to go back home.
    Look forward to hearing good reports from you soon, and see you coming back to LOS.
    Hung in there!!
    The sooner you fall behind, the more time you have to catch up.

  3. #3
    On a walkabout Loy Toy's Avatar
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    All I can say is good luck with your diagnoses and I hope things work out for you.

    You have always presented yourself as a positive person here and to remain positive is a key.

  4. #4
    Isle of discombobulation Joe 90's Avatar
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    Quote Originally Posted by Simon43 View Post
    Unless someone has a property anywhere in the UK that is available for a cheap rent ...
    The cheapest accommodation in the UK are house shares, a horrible task searching for somewhere to live here.
    Hull might be cheaper option.
    Have you no ex wives,friends or family who will put you up temporally?

  5. #5
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    ^ how is that shed Chitty.

    Simon all the best and hope it all works out

  6. #6
    Thailand Expat
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    Quote Originally Posted by Joe 90 View Post
    The cheapest accommodation in the UK are house shares, a horrible task searching for somewhere to live here.
    Hull might be cheaper option.
    Have you no ex wives,friends or family who will put you up temporally?
    Lol, my British ex-wife and my kids haven't replied to my emails and birthday/xmas wishes in yonks! TBH, I'm not going to be on the street. 500 quid a month for an apartment is OK and I've already emailed about a nice apartment in Hove (by the sea). Of course, I have zero credit history and references, which might be an issue. Assuming I rent an apartment, then I have that address to enable me to register at the local doctor and to request a referral etc.

    On AN forum, one suggestion was that I simply ignore the cancer, because it doesn't show any outward symptoms yet and one can live for years with prostate cancer. But knowing my luck, I will have some dastardly aggressive form, and so it's better to whip out my prostate sharpish!

  7. #7
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    Sucks. Not old, in great shape yet this.

    I canceled my insurance a year ago. Better to have cash in case of catastrophic event instead of lying in hospital bed arguing with insurance, losing and feeling like a mug.

  8. #8
    SANS SOUCI
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    Good luck Simon

    I think you will be very lucky to get a cupboard for 500 a month on the South Coast @500 a week is rate more like in Brighton and Hove one the priciest places after London Oxbridge and Bath that I know, My friend is renting a modest home in Surrey but 4600 per month my pals daughter n Bristol pays 2100 for a terrace in trendy upscale Clifton but the floor is closer to 1000 for self contained homes in private sector anywhere safe.

    Chitty will confirm but some of rundown parts of Lancashire like Fleetwood Skem, Ince even Backpool but I am sure you can do better these old guest houses seem to be for druggies , unemployed refugees so perhaps quite like Pattaya without the sun.

    If it is just temporary go somewhere less popular, on top of the disused coal and steel, away from cities , national parks and the coast.

    I'm sure we had a member with a pub in Brighton?

    Places that spring to mind Mexborough Widnes Scunthorpe, Motherwell etc

    Best wishes bro Simon always a great contributor here do get your ducks in a row so you don't get a bill from NHS too.

    Opening a normal bank accont without iutility bills and electoral regiser has become stiffer shop around.

    Some of the online banks like Starling Revolut or Wise "may" prove easier to qualify Passport and driving licence

    Do be aware renewing either was slow pre covid and with the strikes can tale months!!!

    IMHO

    Get a UK sim ASAP can order from here or buy in any corner shop or online for calls to smarty and lots of DATA O recommend SMARTY platfrom which uses 3 carrier network around 20 quid pcm for unlimited data which you can hotspot to a laptop for work

    You need this to register online banking and Drs appts etc easier

    One app, all things money | Revolut
    Starling Bank: Award-winning bank accounts
    Wise, Formerly TransferWise: Online Money Transfers | International Banking Features ( also very good for virtual cards plus low cost international transfrs)

    Cell with good data plans
    Simple, honest mobile | SMARTY

    DVLC get in asap

    Once you have a secure address
    Can upload docs to renew
    Passport
    Old licence if digital , not sure in NI is different to GB but old paper ones in good online

    As an ex HSBC employee good to see they are doin a bit more than laundering for the cartels

    No Fixed Address Bank Account | Homelessness - HSBC UK.
    The CAB might be a good port of call before you commit .
    https://www.nhs.uk/nhs-services/visiting-or-moving-to-england/visitors-who-do-not-need-to-pay-for-nhs-treatment/

    Best wishes PM if you wish but I am floating between CZ, Laos and Lanna so not on ground in UK to give precise accurate updates

    Be aware while GP won't want a fee , some Hospitals in London have billed UK citizens who have been away after a spate of mothers from various Commonwealth places abusing the system. The cases I am familiar with is my ex partners employer St George's Hospital. I have no intimate knowledge of current legislation, probably the habitual residence interpretation.

    The reason I cite , if you resident for health care you are resident for TAX, so you may wish to consider that, unless you have the expensive hi so NO DOM exemption which very few on line teachers could afford,

    However unlike the US you will be treated even if invoiced I doubt they will take your passport
    Last edited by david44; 28-01-2023 at 03:13 PM.
    “What contemptible scoundrel stole the cork from my lunch?”

  9. #9
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    @simon43 - good luck in your life journey. I wish you all the best. When you have spare time, maybe you can write your memoirs/ book. It certainly seems to be a very unconventional life path, with lits of twists & turns. I mean that in a good way - you have a gift for prose. I liked the stories that you wrote about your ex-wives & the hotel ventures.

    My great uncle-in-law (?) - husband of the sister of my grandma - I called also called him Grandpa - had prostate problems some years ago. He had surgery to fix it, was cured and was able to live for a few more years.

    Unfortunately, after 5 or 10 years (?) (can't remember exactly), the problem recurred and it caused his demise. However, they lived in a rural area in PH and he might not have received optimal care or diagnosis.

    The UK health system is excellent & I (or we on TD) have high hopes for you.

  10. #10
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    Hope you have speedy treatment and recovery. If I still had my gaff in Yarmouth you could stay there for a bit. Yarmouth might be worth a look, it's not as bad they folks say and the beach is rather nice. Fresh air, some decent places to eat and rent is cheap.

  11. #11
    Thailand Expat
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    Thanks for all the advice. I am familiar with the requirements for free NHS treatment for returning expats - a local bank account and rental contract is really all that is needed (with your UK passport). I already have a Wise account. Once I find somewhere to rent, then I can change my Wise address to that new property. I already have a UK ltd company (I use it with Stripe to bill some students in China because Stripe accepts WeChat payments). So I'll update that address as well.

    David - it's true that rental rates are through the roof compared to when I left the UK. But on the relevant rental websites I see decent studio and 1-bed apartments in regional cities for under 500 quid a month, not many apartments but some. So I should be able to find something half-decent.

    Yes, I have heard that a Smarty or Asda Mobile SIM is the best option for me to continue my online teaching.

    Katie, I'm realistic about the outcome of this prostate problem. If it's still wholly inside my prostate (which it was a few weeks ago), then surgery should - according to the stats - give me a normal life span. If it's spread, then with today's drugs, one can still lead a decent life for 15-20 years. It's all in the lap of the gods (flying spaghetti monster in my case). Anyway, I'm doing my best to kill the cancer cells by drinking cannabis oil every day

  12. #12
    Thailand Expat tomcat's Avatar
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    ...best of luck, Simon: you seem to have the right attitude to confront (and keep confronting) these challenges...

  13. #13
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    Best of luck Simon. Hope you can get on a plane and settled (temporarily) in the UK pronto, and get on with the business. You know how these things are- better sooner than later.

  14. #14
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    If you are not moving to UK for good I wonder why would you not go to India for a treatment. It may take a while for you to establish yourself in UK, may get shit from landlords as there is currently a housing shortage just like in Canada. In Asia everything is quick and easy as long as you have a bit of money. Actually, I would suggest you to go to Serbia. Better and cheaper than Thailand.

  15. #15
    Thailand Expat harrybarracuda's Avatar
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    Without going into details, my medical insurance company - April International Insurance of France has flatly refused to pay for my prostate cancer investigation and treatment here in Thailand
    Cancer treatment under the NHS is actually very fast - my previous doctor (20 years ago), has no record of me now
    So I'm guessing it's a "pre-existing condition" issue, is it?

  16. #16
    I am not a cat
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    Quote Originally Posted by Simon43 View Post
    Lol, my British ex-wife and my kids haven't replied to my emails and birthday/xmas wishes in yonks! TBH, I'm not going to be on the street. 500 quid a month for an apartment is OK and I've already emailed about a nice apartment in Hove (by the sea). Of course, I have zero credit history and references, which might be an issue. Assuming I rent an apartment, then I have that address to enable me to register at the local doctor and to request a referral etc.

    On AN forum, one suggestion was that I simply ignore the cancer, because it doesn't show any outward symptoms yet and one can live for years with prostate cancer. But knowing my luck, I will have some dastardly aggressive form, and so it's better to whip out my prostate sharpish!
    Sorry to hear this.

    You kinda lumped the biopsy and treatment together. Would it be possible to get the biopsy done here before upheaving your life?

    Cannot believe a biopsy would be that expensive.

  17. #17
    I am not a cat
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    ...and, to add further after having read around, your projected treatment cost seems way too high for Thailand. How did you get that number?

  18. #18
    Thailand Expat
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    Quote Originally Posted by nidhogg View Post
    ...and, to add further after having read around, your projected treatment cost seems way too high for Thailand. How did you get that number?
    Of course, prices will vary. The biopsy is between 100-200,000 THB (private hospital), and the radical prostatectomy is up to 800,000 baht. These are the rates quoted to me by the various Bangkok hospitals. If I go to the UK, all this is free.

    Harry, no it's not a pre-existing condition. But the insurance company is basically saying that a raised PSA number means prostate cancer, which any doctor will tell you is bollox. My PSA has been steady for yonks. The insurer says that because I voluntarily went for bloodwork checks every year (for all parameters), this indicates that I knew that something was wrong inside my body. Nope - it's because I was being sensible and wanted to keep an eye on everything, and nothing was ever flagged up in any of my health checks over the year, no doctor recommendations, no treatment, no medication.

  19. #19
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    Lawyer up?

  20. #20
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    ^^ Insurance ombudsman

  21. #21
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    ^^^ That seems bizarre. I thought insurers encouraged check-ups because catching things early saves them money in the long run.

    I go for a skin cancer check-up every year, no pre-authorisation, and the insurers cover the cost of the check-up (and occasional treatment) without question.

  22. #22
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    Sorry to hear that Simon. All the best for your return.

  23. #23
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    Sorry to learn of the condition and the predicament it is causing you.

    Now is obviously not the best time to incur a trip back to UK.

    Hoping for a positive result for you whatever happens.

  24. #24
    A Cockless Wonder
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    Quote Originally Posted by katie23 View Post
    maybe you can write your memoirs/ book
    Get on it like a Ford Anglia bonnet Simon.

    Best of luck with the biopsy.

  25. #25
    Praise Jesus
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    Best of luck 'mon.

    Helluva life change, may you be back faster than you can say whip it out nurse.

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