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beaufoy

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  1. Now coming from england and having worked as a claims negotiator I am fully aware that regulators in england would not allow a health insurance company get away with what this health insurance company has done to me in Thailand.: I applied for health insurance and the company said i would need to take a medical The medical found blood in the stool but it was examined for amount/colour/consistency and other readings which concluded the blood came from hemorrhoid's . The Doctor told me there was no need for a colonoscopy or a re-examination...so everyone was happy The insurance company then told me that they had been informed by the hospital that further investigation was required and therefore they wanted me to have a colonoscopy I told the insurance company to send me the report from the hospital which told them further investigation was required. The insurance company seemed to admit they had lied and therefore could not send papers/reports they claimed to have received I went to the hospital and received a report which stated the blood was not a problem, and there should not be a colonoscopy unless my symptoms get worse...and even if my symptoms get worse a colonoscopy should only be done if a specialist has re-examined a new stool sample and done other examinations and then decided a colonoscopy is advisable I sent said report to the insurance company who did not apologise for lying. There stance was as follows: They said that the hospital's opinion was that a colonoscopy was not required, but the hospital did not reject completely that a colonoscopy might be required in the future They also said they did not bother getting a full report because they always ask for a colonoscopy if blood is found in the stool, and said policy is independent of what the hospital advises The insurance company gave me 3 choices 1) Have a colonoscopy 2) Continue with cover but all bowel illnesses will not be covered 3) cancel the policy please give me your thoughts on the above
  2. I have been employed in the insurance sector in England, although I was employed in motor claims, I believe the health insurance sector was able to amend the extent of cover after the joining medical examination found the insured was suffering from a condition ie the english insurance company could and did and should of added an exclusion. However, a situation then exists which falls into 3 sections 1) The insured wants to keep full cover 2) The insurance company wants to take advantage of the "found by doctor's condition' to reduce the cover as much as possible ie Hemmerrroid blood is found so all bowel problems excluded 3) The Hospital Doctors believe an adjustment in cover based on the findings of the doctor is correct Now to your second paragraph in which you say I was insured without endorsement during the first two years, in fact there was an endorsement, but the insurance company failed to inform me of said endorsement. This is the point where I have to explain the uk/usa rule " The insurance company must bring to the attention of the insured any changes which might effect the insured" In fact I will quote another rule " If evidence in each direction is equal then the court should decide in favor of the insured" Of course rules/laws are written in a way to benefit the consumers, but the law courts usually work in the opposite direction, and there is another hurdle Thai Law usually follows UK/USA law, but it might not in my case. My case is that for most of the two years I was not receiving what i had paid for ie full cover, and I was not informed that I was not receiving full cover. Hence the insurance company was in breach of contract and is obligated to refund the payments received for said period of time.......Yippee I won Now comes the problem in that the insurance company did post notification of endorsement and it was sent recorded delivery, but the receptionist signed for the letter and then lost the letter..... Now obviously the insurance company did not fullfill their obligation to bring my attention to the notice of endorsement, but i suspect they will tell the judge that they made every reasonable attempt to do so.....Then it will be up to the judge to decide and he will decide it is a 50/50 case so by way of my second rule he should find in my favor
  3. Hello everybody again i have tried phoning the OIC using all the phone numbers as being forms of contact.I get phone not in operation or engaged. there is an online inquiry form which i completed a week ago and received the message that it was delivered, but as yet no answer I will not yet say which insurance firm it was, but the main complaints were they told me I must have a colonoscopy because the hospital found blood in my stool. They admitted they did not ask for a full report so I obtained one for them Said report said the blood was caused by my hemorrhoids and there was no need for another examination or a colonoscopy. I sent said report to the insurers and they replied they insist on a colonoscopy for every person who shows blood in their stools. Now I find said policy disgusting, and it makes me less confident because the same thing can happen in reverse ie I could be admitted to a hospital with a suspect heart attack and the doctor might say you need a bypass. However, because the health insurance does not respect the Doctors they might say we think you should just take medication for your heart problems. Now let us look at the endorsement they put on my policy. The actual endorsement suggests the endorsement expires after 2 years, so if I wait out the two years full cover will be restored, but the after thought says even if I wait out the two years I still have to take a colonoscopy text within the endorsement Investigation and treatment of all gastrointestinal (GI) Bleeding GI Malignancies,GI Polyps and their causes and complications are not covered for a period of 2 years, or the submission of recent gastroscopy and colonoscopy reports. At the end of the waiting period, or the satisfactory review of recent gastroscopy and colonoscopy reports this condition will be reassessed . Charges for gastroscopy and colonoscopy are not covered during the waiting period Text added after the endorsement And If you refuse to submit the requested examination then the Underwriting Department will maintain the condition for another year. Or you can submit it later. Yours sincerely,
  4. Hello Thailand 49 two points I wish to receive your advice on 1) My present intentions are to make a complaint to the insurance commission and if/when that fails go to the small claims where I suspect I will have a 50/50 chance of winning 2) I know this makes me sound like a multiple litigator but I will explain in 2021 I had to cancel a qatar airways flight because my wife's thailand certificate for entry was late in arriving. Qatar airways said my circumstances gave me rights to a full refund and I would receive said refund within one month. However, several months later and they were giving silly excuses for not giving a refund. Then they tried the trick of saying I was being very rude when writing e mails asking for a refund (which was six months late) and they no longer wished to answer my e mails. I tried different routes airway complaints regulator and other avocates but none worked. Then I made an enquiry on a FOI and was told on a legal advice webb site that Qatar air do not allow FOI but I could make a request for copies of all e mails written within the company pertaining to my complaints. I did as advised and then Qatar started writing again suggesting that if I cancel my copy of e mails request then they would re-open my refund request. I did not retract my copy of all e mail request and a few days later the refund was paid.....obviously they did not want me to see e mails they had writen to other people in the company Now my question: The person writing e mails to me obviously is not too confident dealing with me and includes other people in her company to receive my e mails......So if I could make a request for FOI or copies of all e mails written about me it might cause the company embarrassment and help my case........any advice please
  5. I worked at an insurance company in England and we used small print Do you understand my initial post on this thread....It would seem you believe i just got bored of having insurance and decided to cancel the policy......try reading again you might notice that i might have serious reason for cancelation, but do not want to divulge said reason on this forum....
  6. With my limited legal knowledge and very little experience in writing terms of a contract. I can still write a contract which would cause 50% (I suspect an insurance company can take it from 50% to 90%)of good claims to not reach the standing of a good claim. I can also hide unfair (not having to recognizing expert doctor report) terms of contract in the small print and then highlight said terms when refusing a claim, or asking for more money, or insisting on more tests that the doctor says are not required
  7. I do not know the OIC and if it really regulates however I have had experience of regulators in Ireland and they tend to support the service providers they pretend to regulate rather than the customers.....I have had experience of Small claims in England and they are far from perfect but I would say the if a consumer puts a very strong case against a service provider in small claims court he will have double the chance of a fair result in the court than he would using the regulator. Now comes the question " If I use the OIC and fail am i still allowed to take action in the small claims court?"
  8. Due to dubious conditions on my thailand health insurance I decided to cancel said policy. Now in England I could contact a regulator to get a refund of the money I paid to the insurance company or go to the small claims court ......What can I do in Thailand?
  9. Does mild Efficacy mean it is not very effective at doing its job.....if it is no good why do doctors prescribe the drug Are Catropil and enalapril copies of each other ....for me to be willing to take enalopril it has toi be an exact copy
  10. I did have panic attacks which were very much like having a heart attack in fact I was taken by ambulance to a hospital with a suspected heart attack which was found to be a panic attack I was prescribed fluoraoxitine and i seemed to work but it also made my balence bad It seems it is all in the head you think you are having a heart attack and you panic and things get worse.....best thing to do is when you think you are having a heart attack just relax and think so what then the panic attack goes away
  11. thirty years ago in england I was overweight heavy drinker and smoker and this caused high blood pressure I was prescribed captopril tablets and did not have bad side effects and they reduced my blood pressure a lot twenty years ago i gave up smoking and drinking and lost weight and the medication was cancelled I am now 67 and my blood pressure has gone up again ....I live in chiang mai and asked the hospital to give me captopril but they do not stock it and no drug stores stock it i was given Loranta instead....this gives me side effects and does very little to reduce my blood pressure Does anyone know where I can get Captopril tablets
  12. How it runs is that if the income goes into ireland before I receive it then i have to pay tax but if it goes to thailand then Ireland do not grab the money A question answer between me and my irish accountant is pasted below First point whilst doing the 2022 return you suggested that I should have left the funds from selling my shares in my degiro account rather than transferring said money into my BOI account....please explain why it is better to leave money in my degiro account Although you are not resident in Ireland you are ordinarily resident for 3 years for 3 years after you leave and you are taxable on foreign income remitted to Ireland.
  13. I have been living in ireland and whilst there I invested in the stock market using degiro, and my irish bank account for deposits and withdraws. I have been told if I get degiro to pay my withdraws into a thai bank account I will have less of a problem with CGT can this be done without breaking thailand rules
  14. I suspect I have been in contact with all qatar air reps they all agree that I should receive a refund but they seem to be reluctant to pay the money they owe me....The best way is to give them bad publicity but the media always side with big business, and an individual has to be careful because harrassment laws ie a company steals money nothing happens but if victim of said theft calls said company a bunch of thieves then he finds himself in court being accused of defamation and harrassment. I do not have any need or intention to fly anywhere but I have let qatar know that I will consider flight tokens to the value of the money they owe me
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