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Catch all the LIVE Sports this weekend at The Clubhouse Bangkok UFC 252: MIOCIC VS. CORMIER 3 Sunday, 16th August 2020 @ Prelims @ 7.00am and the Main Card @9am) ONE CHAMPIONSHIP: NO SURRENDER II Friday, 14th August [email protected] 7.30pm MOTO GP Practice: Friday 14th August [email protected] 2.00pm & 6.15pm Qualifying: Saturday 15th August [email protected] 5.00pm Races: Sunday 16th August [email protected] 3.30pm F1 – SPANISH GRAND PRIX Practice: Friday 14th August [email protected] 4.00pm & 8.00pm Qualifying: Saturday 15th August [email protected] 7.30pm Race: Sunday 16th August [email protected] 7.00pm with commentary on the big screens SNOOKER – WORLD CHAMPIONSHIPS Friday, 31st July – Sunday 16th 2020August CRICKET – ENGLAND V PAKISTAN 2nd Test: Thursday 13th – Monday 17th (daily @ 5.00pm) AUSSIE RULES – AFL Monday, 10th August 2020 Geelong v St Kilda @ 3.10pm / Fremantle v Hawthorn @ 5.40pm Adelaide v Collingwood, Tuesday, 11th August [email protected] 4.10pm Gold Coast v Essendon, Wednesday, 12th August [email protected] 4.10pm Sydney v Greater Western Sydney, Thursday, 13th August 2020 @ 5.10pm Geelong v Port Adelaide, Friday, 14th August @ 4.50pm Saturday, 15th August 2020 North Melbourne v Brisbane Lions @ 11.35am Melbourne v Collingwood @ 2.10pm Fremantle v Carlton @ 5.10pm Sunday, 16th August 2020 Western Bulldogs v Adelaide @ 10.05am St Kilda v Essendon @ 12.35pm / West Coast v Hawthorn @ 3.10pm Richmond v Gold Coast, Monday, 17th August @ 4.10pm NRL Roosters v Storm, Thursday, 13th August [email protected] 4.50pm Warriors v Panthers, Friday, 14th August [email protected] 3.00pm Eels v Dragons, Friday, 14th August [email protected] 4.55pm Sharks v Titans, Saturday, 15th August [email protected] midday Cowboys v Rabbitohs, Saturday, 15th August [email protected] 2.30pm Raiders v Broncos, Saturday, 15th August [email protected] 4.35pm Knights v Sea Eagles, Sunday, 16th August [email protected] 11.00am Tigers v Bulldogs, Sunday, 16th August [email protected] 1.05pm ENGLISH PREMIERSHIP RUGBY Exeter v Leicester, Saturday, 15th August [email protected] 8.00pm Bristol v Saracens, Saturday, 15th August [email protected] 10.30pm Northampton v Wasps, Sunday, 16th August [email protected] 9.00pm NBA/MLS/NHL Live show on During opening Open : Weekdays 11am-Midnight Weekends 9am-Midnight THE CLUBHOUSE SPORTS BAR & GRILL The Clubhouse is Bangkok’s No. 1 Sports Bar to enjoy a great night out with friends and really cheer your team on! We have 14 HD TV’s and two Sony HD Projectors across two floors so you’ll never miss any of the action! Our friendly staff can serve you a Full international menu including juicy burgers, tasty signature clubhouse wraps or chicken parmigiana. Sit in our air con bar or outside terrace and why not check out our extensive wine menu! Our upstairs lounge is perfect for large group meetings & is available for private bookings!

Private Health insurance in Thailand and Coronavirus Covid19 You plan to come to Thailand soon, please note that you will have to justify having a Private health insurance covering Covid19 with a minimum of USD 100,000. Even if you are already in Thailand, this is a good question to ask, does insurance cover Covid19 or not. If by chance yes, will the insurer accept to provide a certificate that will mention it? Being effectively covered against Covid19 means having insurance that will cover medical costs, especially if you are hospitalized in intensive care in a private hospital. Costs quickly reaching hundreds of thousands of USD. In principle health insurance covers any viral disease. The coverage will depend on the plan you have chosen (only inpatient treatments, or inpatient + outpatient treatments) and the limitation of coverage. The major medical risk, and therefore what must be covered in priority, obviously concerns the case of hospitalization, a cover of at least 500,000 USD is recommended in order to protect against the worst scenarios. Warning: many insurers do not cover if the disease is considered an epidemic. As the epidemic character of Covid19 has been proven, the insurer may oppose the exclusion clause and refuse to cover. Several insurers have confirmed to us that they will not cover as long as the situation is under the control of the authorities and there is no treatment. Why these exclusions? In the event of an epidemic, the insurer, which ensures hundreds or even thousands of people in the concerned area, would not have the financial capacity to suddenly cover a large population of travellers and tourists, nor to organize their repatriations simultaneously. This is why we find the exclusion of epidemics in almost all travel medical insurances. Most often, as we can see now, it is the States and international public health authorities that take control (border closures, international flight controls, curfews, etc.). In such a situation, no insurer can organize medical evacuation or repatriation. In conclusion, in order to make sure you have an insurance to cover Covid19 medical costs, carefully read your insurance contract, the definitions and conditions, the coverage limit and especially the list of exclusions. And for those who are soon to come to Thailand, contact us to make sure the insurer will agree to issue you a certificate with mention of USD 100,000 Covid19 coverage. (Cf. Covid 19 Medical insurance requirement) To contact us for quotations, personalized support and advice, please fill this online form by clicking here: Website: www.aoc-insurancebroker.com | www.aoc-expatcare.com Award Insurtech 2017 - Orias n° 08 045 906 Liability and Financial guarantee Argo-Llyods HYAIF16ADLARG-1391 Before printing, think about the environment - Be Green Read On Screen

Australian Visas – The Current Situation and A Look To The Future To say that Covid-19 has changed the face of travel is a huge understatement, but what is fact and what is conjecture? Issues like VFS closing, no ability to do biometrics, airport closures etc have all added to the challenge as well. Currently Australia and Thailand have both implemented travel bans. This has massively disrupted peoples travel plans, and this will not change in the near future. To currently enter Australia you must fit into one of the following categories: be an Australian Citizen or Permanent Resident, or NZ Citizen normally resident in Australia; an immediate family member, so spouse/de facto, child or guardian; or Apply based on compelling and compassionate grounds. There is little flexibility if you do not meet the above criteria. Unfortunately for many, boyfriends and girlfriends do not meet the criteria, and will be refused. To apply for the exemptions and more information go here - https://covid19.homeaffairs.gov.au/coming-australia The good news is that if you do meet the criteria and want to travel back to Australia, the Australian Embassy in Bangkok is doing an amazing job of making this happen. Priority processing and working 7 days a week are some of the efforts they have gone to so that people can get on the special repatriation flights and have everything in order to meet the requirements. The Phuket Consulate has also been facilitating travel exemptions to leave Phuket to make joining these flights even possible. Also, in many cases, if you meet the criteria to travel currently biometrics have been waived – a great example of the common sense that has been shown in the current circumstances. If only the same applied to other countries decision making at this time! Unfortunately, at this stage if you fall outside of these exemptions there are no other options. The Minister for Trade and Tourism, Mr Simon Birmingham, announced on Friday 29th May that the plan would be to open up to longer term visa holders next, as well as long term student visa holders. This will be positive for businesses that have staff outside Australia currently on temporary work visas, but will still not solve the issues for friends and couples. So what about those separated from loved ones that would like to be re-united but do not meet the criteria? I think it is safe to assume the current rules, policies and procedures for visitor visas (600) will get a significant overhaul. Realistically we can expect there to be changes and restrictions well into 2021 (and even 2022) unless there is a major breakthrough in real time screening, treatments or vaccinations. Put simply you do not spend almost a quarter of a trillion dollars to avoid Covid related problems to then just open up the borders to anyone. Also given that unemployment has now increased dramatically, and with forecasts of more hitting the dole queue when the JobKeeper subsidies runs out in September, then short term business, visitor and employment visas will no doubt become harder to obtain and with a larger focus on Labour Market Testing. For visitor visas, this is going to become a challenge moving forward for many people. Needing to show the supporting evidence of a temporary stay and incentives to return home are going to become more challenging. Many people will now be unemployed (or have new jobs), and work opportunities for the short to medium term will be limited. Anyone in the hospitality and tourism sector, areas of manufacturing and agriculture amongst others are going to be hard pressed to show they have a long term job to come back to, given the state of the industries. From an Australian government perspective there will be a concern about people coming to Australia to work illegally (from all nationalities) as it will be one of the fastest rebounding economies and provide some of the best opportunities. So the need to really put together a well prepared application will become a must, and to have all of the necessary supporting documents. Over the last few years it was getting harder and harder, my personal belief is that we are going to see a lot more refusals as the department tries to find the right balance. So my advice – even if you have completed successful applications before – don’t be complacent, don’t assume the decision maker has any prior knowledge and make sure you cover anything and everything that is relevant. A possible solution to speed things up? Depending on the stage of your relationship and your bank balance the Partner visa (and my lesser preferred option the Prospective Marriage Visa) may be the best option to open up access to the borders and allow you to see each other face to face instead of social media. It is going to be a tough and bumpy ride ahead for the next few years… so buckle up and prepare for the road ahead. We are always happy to do a Free Phone Consultation if you have any questions. Simon Wetherell is an Australian lawyer with over 20 years experience. He specialises in Australian immigration and is an Australian Registered Migration Agent #1464995. More information is available at https://AustralianVisas-Thailand.com Facebook https://www.facebook.com/AustralianVisasThailand/ or you can call him on +66 8 4400 9487 or +61 8 6102 1005. Simon is also on the Board of Directors for AustCham Thailand https://AustChamThailand.com

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Tips for expats visiting hospitals in Thailand As an expat living in Thailand, you’ll no doubt have to visit a hospital sooner or later. It could be for a health check-up, vaccination, or even emergency surgery. So before you do, it’s best to know what to expect and how you can best prepare yourself and your family. Of course, nobody likes being caught off-guard and health, as you know, should never be compromised. In this article, our friends from Pacific Prime Thailand have provided 3 tips to help you understand the country’s healthcare system better and offer guidance on why securing private health insurance is the way to go for expats in Thailand. Tip 1: Know which hospital to attend for treatment When compared to its neighbors in Southeast Asia, the standard of healthcare in Thailand is good, especially given that the services offered are affordable and accessible. What’s also good to know, is that across the country, many world-class hospitals can be found in its larger cities like Bangkok, Pattaya, and Chiang Mai. Generally, hospitals in Thailand fall under two categories: government hospitals and private hospitals. Government or public hospitals The majority of government hospitals in Thailand are operated under the Ministry of Public Health. These hospitals typically focus on providing low-cost medical treatment for Thai citizens rather than international or expat patients. This is because the main users of public hospitals are Thai citizens, which means the main language communicated is Thai. Of course, as an expat, this can be quite a challenge if your level of Thai is pretty much basic. Not only will the language barrier make it more difficult to discuss clearly and confidently your ailments and treatment options, but government hospitals are also very crowded. In public hospitals located in major cities like Bangkok, there can be people queueing from the early hours of the morning for treatment. With there being long wait times and queues, this may make your experience frustrating when seeking medical treatment. Additionally, with the huge number of patients waiting, good customer service may be completely negligible as the emphasis is to get patients in and out as quickly as possible. It’s common to wait several hours just to see a doctor for a matter of minutes. So if you have plans to meet a friend or travel away on business later in the day, it’s recommended to keep your diary free for the day. A good point to bear in mind is the cost of treatment at government hospitals, which can be significantly less than at private hospitals. So if you don’t mind waiting for several hours and endure being communicated in Thai or even broken English, then public hospitals could be your choice. However, for expat families, this is quite rare, and going to a private hospital is considered the more preferred option. Private hospitals Expats living in Thailand will typically want healthcare treatment closer to the standards provided in their home countries in the West and abroad. This means they will prioritize accessibility and high standards like excellent customer service. Good, clear communication when seeking medical treatment is also highly sought-after as expat patients want succinct explanations on their care and treatments. With private hospitals, this is all present and available as they normally recruit experienced and well-known medical specialists to make their hospitals appealing. Overall, you’ll generally receive better treatment with enhanced customer service at these hospitals when compared to government hospitals. Similarly, you’ll have more time to receive a consultation from a specialist or doctor. Private hospitals are less likely to have long queues, and even if there are, the medical staff are very professional and will keep you updated. Medical staff, including doctors and nurses, are well-trained, friendly, and kind. They understand how to approach patients and will get you feeling comfortable like you are at home. Private hospitals will also have state-of-the-art equipment and facilities to ensure you receive the best healthcare treatment. Tip 2: Be prepared to pay for expensive medical bills If you plan on attending a private hospital, there will certainly be costs involved. The costs do vary from hospital to hospital and change over time, which means you’ll have to prepare enough funds to cover your healthcare costs. Regardless of the reason to attend, whether that’s a check-up or day surgery, you’ll want to consider having health insurance coverage. Expats living in Thailand tend to secure private health insurance to make sure they are protected in case of an unforeseen accident or illness. This can bring peace of mind and guarantee that you will receive excellent treatment and care no matter where you are in the country. Tip 3: Secure private health insurance for private healthcare in Thailand According to Thai law, expats are required to have health insurance if they are working in the country. One of the laws in the country states that expats who are working legally in Thailand qualify for social security. During enrollment, expats are assigned to a specific hospital in which they must go for treatment. This means healthcare treatment will not be covered if they go to another hospital for treatment unless it is a medical emergency. Moreover, some of the best public hospitals are always full to register as the primary hospital. So to avoid disappointment, private health insurance for expats in Thailand is the way to go. Private health insurance allows policyholders to attend any of the selected hospitals and clinics in their network of providers. Pacific Prime Thailand offers health insurance plans for the country and beyond. Specializing in expat health insurance, family health insurance, and even travel insurance, they’re a leading insurance broker that keeps clients’ needs and budgets firmly in mind. Whether you’re simply considering getting or actively looking to purchase, you can contact them for expert advice or plan comparison.