Chiang Mai immigration demanding insurance for extensions

[pontious]

Even Thai Immigration have to realize if it was to include everyone then they have to ask things that are possible. Some people due to age or pre- existing conditions will not be accepted for insurance at all. They cannot ask people to do things that are not possible. Yes I know they could but I doubt it.

[LivinLOS]

6 minutes ago, Ebumbu said:

Is there not dirt cheap insurance in Thailand, if one gets the minimums? 

this is a special policy created for only this group.. because its only for a group of over 50s, the pool they can operate from to spread risk are all higher risk, so its going to be expensive. Just logic. 

[bkk6060]

3 minutes ago, scubascuba3 said:

 

 

Problem is it's 150k+ a year, and the things you are likely to claim will be excluded, so better to save that 150k+ a year and use it on those pre existing conditions hospital bills

 

Your thinking and justification is in line with most I know here.

"I can self insure".

Whatever you think.

Have a heart attack or get in a major motorbike accident or whatever that 150 is peanuts.

Can wipe you out.

But, each person has to make their own decision.

 

Something that may be positive on this is people may decide to live a more healthy lifestyle.

Maybe drink less and take less risks.  

Anyway, we will see.

Insurance for all I believe is coming, why would it not.

[sfokevin]

4 minutes ago, saengd said:

Pacific Cross is 70K for the 70 to 75 year age group, Viriyah charges 94k for the same group. It's not until age 76 that rates go into six digits, after which they climb pretty quickly. BUT perhaps another way to look at this is, 70K baht is only 1,850 Pounds per year, not a princely sum for a years health insurance.

This assumes the coverage is acceptable to immigration (400k/40k)... Assumes they will underwrite a 70+ individuals...And assumes the 70+ individuals have no preexisting conditions... 

[sfokevin]

1 minute ago, bkk6060 said:

Have a heart attack or get in a major motorbike accident or whatever that 150 is peanuts.

Have these types of accident and your govt mandated 400,000 policy is peanuts

[scubascuba3]

Your thinking and justification is in line with most I know here.

"I can self insure".

Whatever you think.

Have a heart attack or get in a major motorbike accident or whatever that 150 is peanuts.

Can wipe you out.

But, each person has to make their own decision.

 

Something that may be positive on this is people may decide to live a more healthy lifestyle.

Maybe drink less and take less risks.  

Anyway, we will see.

Insurance for all I believe is coming, why would it not.

my point is that 150k a year is wasted money and down the toilet as conditions you are likely to claim on are excluded.

 

If pre existing were covered that would be different

 

[Bill97]

my point is that 150k a year is wasted money and down the toilet as conditions you are likely to claim on are excluded. 
If pre existing were covered that would be different
 

If only the lawmakers understood that, the insurance will not pay the hospital bills they worry about.


Sent from my iPhone using Thailand Forum - Thaivisa mobile app

[nausea]

As I thought, click-bait. Anyway, my extension isn't due for renewal until March 2020, and if a week is a long timr in politics, 5 months in Thai immigration time is like something approaching eternity. Ha!

[DaRoadrunner]

The problem I have with all this is the ever changing rules. How can anyone plan to retire or do anything in this country when all is built on quicksand?... No stability, no security, at the age of most posters on this forum it is this that will drive us out of the country to places where we are made welcome.

 

The unpredictable behaviour of the Govt and Immigration are unacceptable.

[Jingthing]

2 minutes ago, DaRoadrunner said:

The problem I have with all this is the ever changing rules. How can anyone plan to retire or do anything in this country when all is built on quicksand?... No stability, no security, at the age of most posters on this forum it is this that will drive us out of the country to places where we are made welcome.

 

The unpredictable behaviour of the Govt and Immigration are unacceptable.

Exactly!

A big reason that Thailand's ratings on all the retirement abroad sites has declined. 

I've been saying for many years that the biggest downside of retiring in Thailand is lack of residence security. No possible path towards increased status via retirement status.

But in the last year or so lack of residence security has morphed into what feels like to me and many expats as AGGRESSIVE INSECURITY. Like we're being shaken out by design. A vlogger I won't mention said something similar recently -- if they're really trying to get rid of us, just tell us!

[david555]

46 minutes ago, onera1961 said:

Get out of Thailand. Get a tourist visa (or visa exempt). Enter Thailand with a Tourist Visa (or visa exempt) and then convert to Non-O and extension eventually. Problem solved if they really want to create two classess based on Non-O and Non O-A

And if many do so , and I.O. realize that this bypasses the meaning of the police order...for risk long stay to have medical insurance they just make it a general obligation ….. a strike of a pen ….even not needed ,just influencing their officers 

Edited October 16, 2019 by david555

[saengd]

21 minutes ago, sfokevin said:

This assumes the coverage is acceptable to immigration (400k/40k)... Assumes they will underwrite a 70+ individuals...And assumes the 70+ individuals have no preexisting conditions... 

Viriyah is quoting premiums for their Long Stay Visa product up to age 100 years.

[Agusts]

Is Chiang Mai in a different country than other IM offices...!? Why would various offices have different rules,  I don't get this at all, aren't immigration rules decided at central government and ALL offices are supposed to follow it...!?

 

Perhaps somone post or relay what CM office requesting to central office and tell them what an out of control system they running where they can't even harmonize rules across their own network....! 

[saengd]

1 minute ago, Agusts said:

Is Chiang Mai in a different country than other IM offices...!? Why would various offices have different rules,  I don't get this at all, aren't immigration rules decided at central government and ALL offices are supposed to follow it...!?

 

Perhaps somone post or relay what CM office requesting to central office and tell them what an out of control system they running where they can't even harmonize rules across their own network....! 

It has always been this way, CM Immi. always does things first for some reason and the rest of Thailand follows. 

[DannyCarlton]

Just now, saengd said:

It has always been this way, CM Immi. always does things first for some reason and the rest of Thailand follows. 

Except that the rest of Thailand doesn't follow. I've still never filed a TM30.

[deej]

5 minutes ago, Agusts said:

Is Chiang Mai in a different country than other IM offices...!? Why would various offices have different rules,  I don't get this at all, aren't immigration rules decided at central government and ALL offices are supposed to follow it...!?

 

Perhaps somone post or relay what CM office requesting to central office and tell them what an out of control system they running where they can't even harmonize rules across their own network....! 

All bunkum at this point of time.

[LivinLOS]

1 minute ago, DannyCarlton said:

Except that the rest of Thailand doesn't follow. I've still never filed a TM30.

Neither have I for 4 years.. and I live in CNX.. ????

 

You can choose which rules to follow and which to find an alternative solution.. Thai style.. 

[LivinLOS]

Just now, deej said:

All bunkum at this point of time.

So your saying, that extensions of OA doesnt need insurance in Chaing mai ?? 

 

For months everyones been saying extensions dont need it, this is proof they do. 

[meechai]

1 hour ago, FritsSikkink said:

If you look at it objectively, they want people who live here to have health insurance. Then it shouldn't matter if it is a visa or extension.

Exactly

Folks who think Thailand only considers folks who get their visa outside of Thailand a medical liability/risk but those that extend theirs inside of Thailand aren't are not thinking clearly.

 

Better to just logically assume the likely scenario is every uninsured foreigner in Thailand is a risk in Thailand's eyes & will require proof of insurance. That you may be old/not insurable or have existing conditions is really not their concern/problem

Edited October 16, 2019 by meechai

[deej]

8 minutes ago, LivinLOS said:

So your saying, that extensions of OA doesnt need insurance in Chaing mai ?? 

 

Yes 

At this point of time

 

[DannyCarlton]

1 hour ago, Jingthing said:

The order in English.

Your certainty is based on that reading but you have no knowledge of the internal processes of immigration offices where indeed there is evidence they make NO distinction between O and O-A at the time of applying for extensions. 

Complete nonsense. Non "O"'s are issued by Immigration, non "O-A"s are issued by Thai embassies abroad.

 

IOs are fully aware of this and more than capable of distinguishing between the 2. The video clearly states that they are talking about Non "O-A"s and makes no mention of non "O"s.  Very irresponsible scaremongering, not for the first time.

 

The only change to immigration rules that has affected me is that I no longer have to apply and pay for an embassy letter, I just have to provide evidence that I import in excess of 65k baht from abroad every month, which I always have done. Big deal.

[DannyCarlton]

14 minutes ago, LivinLOS said:

Neither have I for 4 years.. and I live in CNX.. ????

 

You can choose which rules to follow and which to find an alternative solution.. Thai style.. 

So what rules has CM instigated that the rest of Thailand has followed?

[pontious]

23 minutes ago, LivinLOS said:

For months everyones been saying extensions dont need it, this is proof they do. 

What proof - the video only mentions O-A. No mention of extensions at all.

[DaRoadrunner]

32 minutes ago, david555 said:

Get out of Thailand. Get a tourist visa (or visa exempt). Enter Thailand with a Tourist Visa (or visa exempt) and then convert to Non-O and extension eventually. Problem solved if they really want to create two classess based on Non-O and Non O-A

Gone are the days when I was young and so horny I was willing to do visa runs of this nature. If this shambles is the best Thai Immigration can do then I can see many leaving.

[DannyCarlton]

32 minutes ago, Jingthing said:

A vlogger I won't mention said something similar recently

555. So now we're quoting Twitchy! Don't make me laugh. Too late, you already did. 555 555 555.

[david555]

5 minutes ago, DaRoadrunner said:

Gone are the days when I was young and so horny I was willing to do visa runs of this nature. If this shambles is the best Thai Immigration can do then I can see many leaving.

This was not MY quote , I only replied on THAT quote 

See

 

Edited October 16, 2019 by david555

[saengd]

6 minutes ago, DannyCarlton said:

So what rules has CM instigated that the rest of Thailand has followed?

The need to show a copy of your lease/proof of address when extending the retirement visa was one, nobody believed it was required until eventually everyone elsewhere had to do the same. TM30 implementation was also initiated in CM many many months before the rest of the country, people elsewhere wouldn't believe there was even such a thing as TM30 until it eventually spread. The certificate of Residency was also a first, CM was charging 300/500 for it and was eventually told to stop, their workaround was to offer it free with a wait of ten days or for a fee, available the same day and many districts copied this model.

[DannyCarlton]

3 minutes ago, saengd said:

The need to show a copy of your lease/proof of address when extending the retirement visa was one, nobody believed it was required until eventually everyone elsewhere had to do the same. TM30 implementation was also initiated in CM many many months before the rest of the country, people elsewhere wouldn't believe there was even such a thing as TM30 until it eventually spread. The certificate of Residency was also a first, CM was charging 300/500 for it and was eventually told to stop, their workaround was to offer it free with a wait of ten days or for a fee, available the same day and many districts copied this model.

I don't need to show a copy of proof of address when extending. As I've already said I've never had to file a TM30. My IO still charges 300 baht for a certificate of residency, no workarounds.

[DaRoadrunner]

45 minutes ago, Agusts said:

Is Chiang Mai in a different country than other IM offices...!? Why would various offices have different rules,  I don't get this at all, aren't immigration rules decided at central government and ALL offices are supposed to follow it...!?

 

Perhaps somone post or relay what CM office requesting to central office and tell them what an out of control system they running where they can't even harmonize rules across their own network....! 

Why not indeed?... Cuz this is Thailand, where they could not even organise a pi$$ up in a brewery. Fear not lads, one of the advantages of Thailand is you can almost invariably buy your way out of trouble. As long as you have money there will likely be a way you can stay. All else is smoke and mirrors.

Edited October 16, 2019 by DaRoadrunner

[saengd]

6 minutes ago, DannyCarlton said:

I don't need to show a copy of proof of address when extending. As I've already said I've never had to file a TM30. My IO still charges 300 baht for a certificate of residency, no workarounds.

Perhaps you're different!