Absolute latest from Immigration on Insurance...

[ChouDoufu 844]

i'm wondering if it will be possible to meet the requirements with two policies, sort of an insurance combo method.

 

i have a policy with $1 million coverage, repatriation, lifetime renewal, and i've already passed the moratorium period for my cardiac condition.

 

to keep the premiums low, i've chosen a high deductible and $0 outpatient coverage.

 

i have no plans to cancel this policy, and if it comes down to being required to buy an additional full policy for a couple thousand dollars annually to meet yet another bureaucratic hurdle............no.

 

gosh, thailand is fun and all, but we eventually get to a point where it's no longer worth the hassle.

 

so short story long, is it possible to buy a policy that ONLY covers 40k baht outpatient, and would two policies be acceptable?

 

[Martyp 513]

Just now, ChouDoufu said:

i'm wondering if it will be possible to meet the requirements with two policies, sort of an insurance combo method.

 

i have a policy with $1 million coverage, repatriation, lifetime renewal, and i've already passed the moratorium period for my cardiac condition.

 

to keep the premiums low, i've chosen a high deductible and $0 outpatient coverage.

 

i have no plans to cancel this policy, and if it comes down to being required to buy an additional full policy for a couple thousand dollars annually to meet yet another bureaucratic hurdle............no.

 

gosh, thailand is fun and all, but we eventually get to a point where it's no longer worth the hassle.

 

so short story long, is it possible to buy a policy that ONLY covers 40k baht outpatient, and would two policies be acceptable?

 

I bought 50,000 baht accident insurance at Kasikorn bank. I used it once. It was easy to make a claim and I got the money deposited into my account in 30 days. I wonder if something like that would qualify as outpatient coverage. I also have a high deductible on my Pacific Cross Maxima insurance policy.

[jacko45k 11,690]

5 minutes ago, Martyp said:

I wonder if something like that would qualify as outpatient coverage

Well I doubt it....it would never cover general illnesses that do not require hospitalization. 

[lupin 989]

45 minutes ago, Aforek said:

yes, but you are still a person of let's say 70-80 years old, same physical condition than a " retired": I am afraid ( I hope I am wrong ) that in the next years, every visa old people will be affected 

If you believe that "every visa old people will be affected" what about visa that fall under the tourist visa class? Hows that going to work? It cant

[TallGuyJohninBKK 17,761]

6 minutes ago, Martyp said:

I bought 50,000 baht accident insurance at Kasikorn bank. I used it once. It was easy to make a claim and I got the money deposited into my account in 30 days. I wonder if something like that would qualify as outpatient coverage. I also have a high deductible on my Pacific Cross Maxima insurance policy.

 

1. accident policies only cover accidents, not general medical conditions. So I seriously doubt any accident only policy would be acceptable.

 

2. the Immigration reg requires the Thai policies to be from the list of specific participating insurers or their proxies. An acceptable policy can't just be from any ole' Thai insurer...

 

But, if someone had two separate policies, they respectively, separately met the IPD OPD coverage amounts spelled out in the order, and were from participating insurers, you might think that would be OK...

 

Except, the MoPH certificate form right now has an insurer specify that their policy meets the 40K AND 400K requirements, not one or the other...  So trying to get a half certification from two different insurers would be interesting...

 

[Aforek 1,066]

9 minutes ago, Martyp said:

... I also have a high deductible on my Pacific Cross Maxima insurance policy.

I received a mail from this compagny, but what means this story of " deductible", I am not use to this 

thanks 

[worgeordie 35,086]

11 minutes ago, TallGuyJohninBKK said:

 

I guess you could interpret that comment, coming translated thru a Thai, in at least two different ways....

 

1. would be they're applying the O-A visas rule now, and then will start applying it to O-A origin extensions of stay based on retirement when those come up for annual renewal.

 

or

 

2. would they're applying the requirement to O-As and retirement extensions now, and have plans to expand the insurance requirement to other visa classes in the future.

 

No, it was as I reported, other retirees next year  !, on 0 .

I just hope it never happens as it's going to create many

problems for the older Farangs over 70,with existing

conditions.

I just want to live a quiet life,like many here,but in last

few years it's one thing after another,after great improvements

at Chiang Mai Immigration,no having to que in middle of the night

now to get an extension, they really are enforcing the TM30,and

now the mandatory insurance,I thought they said keeping 800,000 Thb

in the bank,was for that reason.

regards Worgeordie

 

[worgeordie 35,086]

4 minutes ago, lupin said:

If you believe that "every visa old people will be affected" what about visa that fall under the tourist visa class? Hows that going to work? It cant

They did say they were going to take 100 thb off 

every tourist entering Thailand,to cover any that

don't have cover,and maybe skip from Thai hospital

without paying,plus if they have accidents.

regards Worgeordie

 

[TallGuyJohninBKK 17,761]

6 minutes ago, worgeordie said:

No, it was as I reported, other retirees next year  !, on 0 .

I just hope it never happens as it's going to create many

problems for the older Farangs over 70,with existing

conditions.

I

 

You never mentioned the term O visa in your prior post. You just said "other retirees." 

 

There are "retirees" here on either retirement or marriage extensions of stay now whose actual last/most recent visas aren't necessarily O-As or Os...

 

Edited October 19 by TallGuyJohninBKK

[Tanoshi 2,950]

1 hour ago, Aforek said:

yes, but you are still a person of let's say 70-80 years old, same physical condition than a " retired": I am afraid ( I hope I am wrong ) that in the next years, every visa old people will be affected 

The difference is your wife is your medical Insurance Policy.

If nothing else, a good Thai wife will take extremely good care of you wellbeing.

 

If, and pure speculation that the medical Insurance requirement was extended to extensions based on retirement to those who entered on a Non O class Visa, then I believe Thailand would see the biggest exodus of retirees ever.

Some wouldn't qualify for the Insurance based on age, current health status or affordability.

Many would just refuse to be exploited to an overpriced policy offering minimum cover.

It would signal the appropriate time to vote with your feet.

[lamyai3 5,988]

5 hours ago, Assurancetourix said:

have never understood these different abreviations: O, O-A;
I do not know what they mean.

 

Just as the B in a Non-immigrant B visa stands for business, and the ED for education, the O in a Non-immigrant O means other. The A in an O-A means annual. 

[kilt 119]

Curious how, if it's ever needed, do I prove what visa type I am getting extensions on? I am being granted extensions based on retirement on a Non-Imm B visa but that original visa is in an old passport that has been renewed twice  since then.

Edited October 19 by kilt
clarification

[Pattaya46 2,965]

1 minute ago, kilt said:

Curious how, if it's ever needed, do I prove what visa type I am getting extensions on?

Usually on the first visa-page of your passport. AFAIK Thai Immigration always reports on a new passport the Visa information of the previous one.

[GalaxyMan 1,353]

30 minutes ago, Pattaya46 said:

Usually on the first visa-page of your passport. AFAIK Thai Immigration always reports on a new passport the Visa information of the previous one.

I was wondering the same. My old passport had a couple of stamps for the visa type, started with Non-O, then went to Non-RE. When I recently got a new passport and had everything transferred, there was no stamp of that type in the new passport stating what type of visa I have, just the RETIREMENT stamp with the expiration date.

[ubonjoe 35,230]

4 hours ago, Aforek said:

may be, but in this case, I would like to read at the end of the sentence " without need to have a Thai insurance ", because here they don't speak of health insurance , they just say that we can stay in Thailand after oct 31 th 

Not needed since everything else states insurance is only needed for OA visas applied for on/or after the 31st and when entering the country.