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brianj1964

O/A visa and insurance experience today

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20 minutes ago, Peter Denis said:

Talking about travel-insurance > I made the effort to contact World Nomads, explaining the whole thing and specifically asking whether they would be inclined to provide the signed Certificate when I would take a full year travel-insurance policy with them.  I also made it clear that that would be a very very attractive proposition for most OA Visa holders, and hence a good business opportunity.

They had their legal department take a look at it, but they declined and from their responses it looks like it was more of a semantics issue > we do not do health-insurance.

The irony being that in their standard travel-policy the coverage when you get sick or have an accident and need treatment in a hospital is way beyond the ridiculous 400K/40K inbound-outbound patient care. 

And on top of that with their policy - which more than fully covers the health-insurance requirement - you would also get all other travel-insurance benefits (like repatriation, legal assistance, etc.) at a price comparable with what the approved thai health-insurance companies are offering for IO approved health-insurance policies.

A missed opportunity > but maybe it gets them thinking when more OA Visa holders approach them with similar questions.

 

I did exactly the same with my German insurer ( Hanse Merkur ). They also checked and after a while I got the signed and stamped certificate posted back to me. 

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39 minutes ago, scubascuba3 said:

It's the same in every country I've visited, they don't insist on travel insurance, they realise if you need medical treatment whilst in their country you are liable, same here

You are equally liable if you are a tourist who incurs a major accident while indulging in a risky activity (like diving or riding a quad bike) without adequate (or, indeed, any) travel insurance cover. But, in stark contrast to their attitude towards retirees and health insurance, the powers-that-be in LOS seem remarkably chilled out and relaxed at the present time in comparison about hospitals being left with significant unpaid bills by tourists who have suffered negative consequences for participating in risky activities!

Edited by OJAS

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13 hours ago, MeePeeMai said:

 

Yea, I think this pretty much spells out the near future for EVERYONE visiting Thailand soon (regardless of visa status).  The writing is on the walls and the fat lady is getting ready to sing.

 

1481098492_Allgroupsinsurance.jpg.19022028d5ebba7c4abf778f647e1cee.jpg

 

KEY WORDS:  TOURISTS AND FOREIGNERS OF ALL GROUPS

It does look like they want to have an impractical solution contrived for all visa classes, if the same design team has been tasked with that. 

 

They obviously could not obtain a group policy to insure against their losses, and ask for a flat fee contribution (with transparency of their statistical information for justification of such a fee 🤐). 

 

Will they publish the O-A issuance rates pre&post October 31st?

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On 11/6/2019 at 9:41 AM, Jingthing said:

Why would they refuse entry when a person is eligible for a 30 day stamp? 

they didn't.  They refused to honor the OA visa, but agreed to issue a tourist visa. 

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20 hours ago, Pib said:

Well said.  I also got an OA Visa 11 years ago before retiring/moving to Thailand as it was easy to get...the recommend visa at the time if over 50 and retiring to Thailand...guess that's why they call it a retirement visa.  Now on my 11th retirement extension of stay based on that OA visa from Christmas past. 

Me too.  It was the easy way.  I lived thirty minutes from Kalorama, and O wasn't even a choice, and OA gave me almost two years with one in out at Maesai..also gave me time to bring over the 800k in chunks.  I haven't been to Make in 11 years and don't really miss it.  

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8 minutes ago, Thaidream said:

completely agree.  Just the numbers alone would leave one to believe that 30 Million tourists per year  versus 80,000 Long Stayers would generate many more bills due to motorcycle accidents; adventure tours; carelessness  etc.  The tourists are more prone to be taken to a private hospital to be treated where a long term expat who may not be able to get any insurace would go to a Government hospital and pay cash for their treatment.

 

I also agree that the Ministry of Health  has no  concept of how Insurance actually works- placing  people in  a separate group age 50-75 assures high prices and poor coverage as well as anyone above that age with few posibilities of even getting insurance.  The Malaysian long stay program has a medical insurance requirement but states that anyone who cannot obtain the insurance the requirement is waived.

 

If long stayers are placed in the Medical  portion of the Thai Social Security System-  they would pay a rate each month and be insured for  life.  The added income into the system would provide  good revenue and the excess used to cover losses to the 30 Baht scheme.

 

There are so many ways to get  long stayers the  proper coverage and access to Healthcare.  For whatever reason, they picked the worst scenario I could imagine and as a result nothing positive is achieved.

 

But social security is paid for by payroll deductions..and you seem to be underestimating the costs of caring for the elderly, even in Thailand.  Medicare expenses run about 15000 USD per person, per year in the US..even cutting that by 75%, you are talking about a large amount of money.

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I wonder to what extent the mandatory insurance pilot project is being harnessed by immigration as a useful idiot in order to take the shine off the excellent Non O-A. With the dismantling of so many of the easy visa options in the past few years, the O-A was starting to stick out like a sore thumb in comparison with the alternatives, I can imagine immigration's been trying to think of ways to nobble it for some time.

 

If on the other hand it really is all about the insurance, the Non O-A plays the role of useful idiot in the Ministry of Health's nefarious scheme. One thing that's certain, there's no shortage of idiots involved. 

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Good point, lamyai3. Maybe the generous O-A program has outlived its useful life (drawing tens of thousands of monied expats to fatten the Thai treasury and cure herds of sick buffalos) and they are slowly devaluing it.

 

Or maybe the simplest explanation: I can imagine, without straining myself too much, that there's "something in it" for Thai immigration off the top of the insurance industry's income stream. 

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