Popular Post Suradit69 Posted November 11, 2019 Popular Post Share Posted November 11, 2019 4 hours ago, Kaoboi Bebobp said: Here you go. Approved O-A compliant Thai insurance companies I sent basic information to Pacific Cross and it looks like annual premium would be Baht 81,000 ... for something I neither need nor want. Not going yo happen. 4 Link to comment Share on other sites More sharing options...
Kadilo Posted November 11, 2019 Share Posted November 11, 2019 1 minute ago, Suradit69 said: I sent basic information to Pacific Cross and it looks like annual premium would be Baht 81,000 ... for something I neither need nor want. Not going yo happen. Is that down to pre existing conditions? The table provided doesn’t appear to have those kind of premiums. Link to comment Share on other sites More sharing options...
Popular Post Suradit69 Posted November 11, 2019 Popular Post Share Posted November 11, 2019 (edited) 48 minutes ago, Kadilo said: Is that down to pre existing conditions? The table provided doesn’t appear to have those kind of premiums. I've redone the table using the final columns so it might be easier to read/ The last column on the right conforms with immigrations requirements. Biggest factor I guess is age. I'm 74 Edited November 11, 2019 by Suradit69 1 2 Link to comment Share on other sites More sharing options...
Kadilo Posted November 11, 2019 Share Posted November 11, 2019 Ouch!! Link to comment Share on other sites More sharing options...
GeorgeCross Posted November 11, 2019 Share Posted November 11, 2019 might want to edit your name out there Mr. ********* ???? Link to comment Share on other sites More sharing options...
Suradit69 Posted November 11, 2019 Share Posted November 11, 2019 15 minutes ago, GeorgeCross said: might want to edit your name out there Mr. ******** Thanks. I did edit it. Please remove the copy you included in your response. 1 Link to comment Share on other sites More sharing options...
losername Posted November 11, 2019 Share Posted November 11, 2019 2 hours ago, Jingthing said: Some expats don't even know if they started with an O or OA. So some reports of non enforcement of insurance may be people that actually have Os and don't understand the distinction. Well said. I certainly do not understand the distinction, although I do know what I have. 1 Link to comment Share on other sites More sharing options...
Sheryl Posted November 11, 2019 Share Posted November 11, 2019 6 hours ago, Suradit69 said: Does someone have a list of Thai insurance companies accepted by immigration? I think I saw one before but using forum search wasn't helpful. Just want to see how painful it would be compared to other options assuming extension renewal is blocked. of course even if it isn't an issue this year, by next year it could become more problematic and even include those who started out on a non Imm O. the companies are listed on the tgia website A detailed chart comparing all of them is attached to this thread You will note that most don't issue policies to people over 65. A much simpler chart, confined to those that will guarantee either lifetime renewal or renewal to age 99 is in this pinned thread here Obviously no one planning to retire here permanently should consider other than the few companies listed in the second chart. Link to comment Share on other sites More sharing options...
Popular Post GeorgeCross Posted November 11, 2019 Popular Post Share Posted November 11, 2019 4 minutes ago, Sheryl said: Obviously no one planning to retire here permanently should consider other than the few companies listed in the second chart. i still find it incredible that companies not willing to insure until death are even considered never mind approved for this scheme. the lack of foresight is stunning, its a retirement visa for gawd's sake not a holiday visa!! 2 1 1 Link to comment Share on other sites More sharing options...
rabas Posted November 11, 2019 Share Posted November 11, 2019 (edited) 1 hour ago, Suradit69 said: I've redone the table using the final columns so it might be easier to read/ The last column on the right conforms with immigrations requirements. Biggest factor I guess is age. I'm 74 [See table in above post 63] Sorry I think I missed the earlier version of the table. 1. Do the 3 left columns not meet immigration requirements only because of the OP coverage? 2. Are the 3 left columns also for age 74? Edited November 11, 2019 by rabas Link to comment Share on other sites More sharing options...
Popular Post Sheryl Posted November 11, 2019 Popular Post Share Posted November 11, 2019 18 minutes ago, GeorgeCross said: i still find it incredible that companies not willing to insure until death are even considered never mind approved for this scheme. the lack of foresight is stunning, its a retirement visa for gawd's sake not a holiday visa!! And that most will not even issue a new policy to people over 65. One of them won't even do over 60. the mind boggles... 3 1 Link to comment Share on other sites More sharing options...
Suradit69 Posted November 11, 2019 Share Posted November 11, 2019 (edited) 11 minutes ago, rabas said: Sorry I think I missed the earlier version of the table. 1. Do the 3 left columns not meet immigration requirements only because of the OP coverage? 2. Are the 3 left columns also for age 74? The agent who sent me the quote said the last column met the 40,000/ 400,000 required for O-A issues. All the quotes were for me, at 74. Some of the other columns (I cut out a number of columns so that the posted chart would be readable) would probably satisfy O-A issues, but the one furthest to the right met the minimums. If you want to get a quote use this: https://www.thailand-health-insurance.com/ALP/R/pg1?mtch=b&kwds=%2Bpacific %2Bcross %2Binsurance %2Bthailand&cmid=175465870&dgid=10850696830&kwid=kwd-98940582070&dvce=c&crtv=196004625741&adps=1t3&netw=Search&gclid=EAIaIQobChMIm4OCopni5QIVFBiPCh3TCgigEAAYAyAAEgKcjPD_BwE I gave basic information and email address. I fudged the phone number on the form because I didn't to get a bunch of phone calls from an insurance agent. Edited November 11, 2019 by Suradit69 1 Link to comment Share on other sites More sharing options...
Suradit69 Posted November 11, 2019 Share Posted November 11, 2019 (edited) 2 hours ago, Kadilo said: Ouch!! Yes. I don't want to leave Thailand. It will be devastating for "my family" because I'm paying the mortgage on the house we share. There's no legal connection between us. Since I'm losing my sight (among other things) they're looking after me and I'm helping them out. But if I have to go back to the US I can't continue that level of support. I expect the thought of them thrown under the bus will haunt me everyday. Sad really. It would be one thing if I didn't manage to plan for my stay here. I have the money in the bank for the extension and I have comprehensive medical insurance, but ... And even if I get another extension next month if Jomtien doesn't check insurance, or if I get a non-imm O and then another extension, there's no guarantee that next year a problem won't arise. Maybe if I'm lucky I'll get run over by a Chinese tour bus and all this nonsense will cease to matter. Edited November 11, 2019 by Suradit69 3 Link to comment Share on other sites More sharing options...
Popular Post Kadilo Posted November 11, 2019 Popular Post Share Posted November 11, 2019 39 minutes ago, Suradit69 said: Yes. I don't want to leave Thailand. It will be devastating for "my family" because I'm paying the mortgage on the house we share. There's no legal connection between us. Since I'm losing my sight (among other things) they're looking after me and I'm helping them out. But if I have to go back to the US I can't continue that level of support. I expect the thought of them thrown under the bus will haunt me everyday. Sad really. It would be one thing if I didn't manage to plan for my stay here. I have the money in the bank for the extension and I have comprehensive medical insurance, but ... And even if I get another extension next month if Jomtien doesn't check insurance, or if I get a non-imm O and then another extension, there's no guarantee that next year a problem won't arise. Maybe if I'm lucky I'll get run over by a Chinese tour bus and all this nonsense will cease to matter. Really sorry to hear your situation. You would think that any comprehensive cover would suffice irrespective of where it’s taken out but of course I think we all know why it’s done this way. Im also on a extension of stay due to renew around March time so I think things will hopefully be clearer by then but I fear the worst. It’s a terrible shame that there is no protection for the likes of genuine people like yourself who are contributing so much to THAI society which is not always obvious. Sadly everyone gets tarred with the same brush. Wishing you all the best. Let’s hope there is a good news story to come for you. 4 Link to comment Share on other sites More sharing options...
TallGuyJohninBKK Posted November 11, 2019 Share Posted November 11, 2019 (edited) 1 hour ago, Suradit69 said: The agent who sent me the quote said the last column met the 40,000/ 400,000 required for O-A issues. Here is Pacific Cross' own list of their various policy names/lines that are certified for O-A purposes... Most of their policies are, except for the very lowest tier ones. Hopefully private insurance agents are not under the mistaken impression that only Pacific Cross' very poor coverage, high priced Platinum 1-3 line are acceptable for O-A purposes. The Platinum line was created and priced just for the expat visa seeking population. The other Pacific Cross policies listed above, such as the Premier line and its rates shown below, as being acceptable for O-A purposes are their general public lines of cover, generally with better prices relative to the coverage offered. The rates below are prior to any deductible discounts being applied. Edited November 11, 2019 by TallGuyJohninBKK 2 Link to comment Share on other sites More sharing options...
Popular Post Wake Up Posted November 11, 2019 Popular Post Share Posted November 11, 2019 On 11/10/2019 at 1:08 AM, Mango Bob said: I entered in 2006 on an O-A and have been doing uninterrupted extensions in Bangkok since then. I did my most recent retirement extension last week (7 Nov) at CW. No one asked about insurance. The extension was approved for the normal one year. How did he do his extension LAST WEEK 7 NOV. 7 Nov was this past Wednesday. This is why some people just stop posting on this forum. No need for this type of commentary and passive aggressive attack. I know many people who have gotten extensions of stay in Bangkok that arrived on an old expired O-A non immigrant visa. They also quit reading thai visa forum And refuse to post because it has become a place for promoting discord, anxiety, misinformation and one up man ship posts. Thankful for TVF especially as a newbie and some great guys on TVF. But once you actually live here for a while and actually know some Thai people you lose interest in putting up with the daily Thai haters and keyboard angry birds. 5 2 Link to comment Share on other sites More sharing options...
Popular Post gk10002000 Posted November 11, 2019 Popular Post Share Posted November 11, 2019 5 hours ago, Suradit69 said: Yes. I don't want to leave Thailand. It will be devastating for "my family" because I'm paying the mortgage on the house we share. There's no legal connection between us. Since I'm losing my sight (among other things) they're looking after me and I'm helping them out. But if I have to go back to the US I can't continue that level of support. I expect the thought of them thrown under the bus will haunt me everyday. Sad really. It would be one thing if I didn't manage to plan for my stay here. I have the money in the bank for the extension and I have comprehensive medical insurance, but ... And even if I get another extension next month if Jomtien doesn't check insurance, or if I get a non-imm O and then another extension, there's no guarantee that next year a problem won't arise. Maybe if I'm lucky I'll get run over by a Chinese tour bus and all this nonsense will cease to matter. and these are the sorts of stories and situations that need to be told to the Senior Thai officials. Expat retirees and local Thais often have some sort of symbiotic relationship or support. At some point these new policies and regulations are going to start hitting the Thai locals hard. 4 1 Link to comment Share on other sites More sharing options...
Popular Post Thaidream Posted November 12, 2019 Popular Post Share Posted November 12, 2019 8 hours ago, gk10002000 said: nd these are the sorts of stories and situations that need to be told to the Senior Thai officials. Expat retirees and local Thais often have some sort of symbiotic relationship or support. At some point these new policies and regulations are going to start hitting the Thai locals hard. Completely agree. Many pople came to Thailand using the O-A as an introduction to the country for retirement purposes. Many have now extened and lived here for decades and obviously aged. There is no way these people can obtain any insurance presented by the authorities on the long stay website. Making this rule apply to these people is cruel, unfealing and just plain wrong. If they want to restrict retirment through insurance- the start date is 31 October 2019- and anyone who wants to now retire in Thailand under the O-A knows they need insurance. People in the past did not have the requirement- most have no family left in their native country. Thailand has become home- they have houses, condos and contributed financially to Thailand. Thailand needs to do the right thing now and everyone needs to remind them of this either thrpugh our Embassies; or writing directly to the Minstry of Foreign Affairs or the Thai Attoreny General. 9 Link to comment Share on other sites More sharing options...
Jingthing Posted November 12, 2019 Share Posted November 12, 2019 34 minutes ago, Thaidream said: Completely agree. Many pople came to Thailand using the O-A as an introduction to the country for retirement purposes. Many have now extened and lived here for decades and obviously aged. There is no way these people can obtain any insurance presented by the authorities on the long stay website. Making this rule apply to these people is cruel, unfealing and just plain wrong. If they want to restrict retirment through insurance- the start date is 31 October 2019- and anyone who wants to now retire in Thailand under the O-A knows they need insurance. People in the past did not have the requirement- most have no family left in their native country. Thailand has become home- they have houses, condos and contributed financially to Thailand. Thailand needs to do the right thing now and everyone needs to remind them of this either thrpugh our Embassies; or writing directly to the Minstry of Foreign Affairs or the Thai Attoreny General. That would be nice but more likely the people ruined by these changes are likely to be seen as foreign collateral damage. Link to comment Share on other sites More sharing options...
justin case Posted November 12, 2019 Share Posted November 12, 2019 On 11/10/2019 at 9:04 AM, Hayduke said: I entered in 2006 on an O-A and have been doing uninterrupted extensions in Bangkok since then. extension in bangkok = no need for insurance that was not the OP's question Link to comment Share on other sites More sharing options...
Popular Post Peter Denis Posted November 12, 2019 Popular Post Share Posted November 12, 2019 On 11/10/2019 at 3:04 AM, Hayduke said: I entered in 2006 on an O-A and have been doing uninterrupted extensions in Bangkok since then. 24 minutes ago, justin case said: extension in bangkok = no need for insurance that was not the OP's question The OP wrote > Not interested in "a guy told me" or "there is a thread running" etc, interested in actual accounts where someone has presented to do their regular extension and been required to get insurance. Indeed, Hayduke posted a first-hand report that his extension of permission to stay based on his original OA - retirement Visa was APPROVED at CW without being queried about health-insurance. And we should be grateful that he posted his experience, as it is presently the ONLY first-hand report of such an approval. Maybe I missed it, but I have not seen any first-hand reports of applicants being denied for lack of having health-insurance. There have indeed been several hear-say reports of denial and some of these quite credible (as well as immigration officials being quoted that it is required now). But it is getting kind of ridiculous as it is almost two weeks in effect and it's still not clear how the health-insurance requirement is enforced at the provincial IOs. 3 Link to comment Share on other sites More sharing options...
LivinLOS Posted November 12, 2019 Share Posted November 12, 2019 54 minutes ago, Peter Denis said: The OP wrote > Not interested in "a guy told me" or "there is a thread running" etc, interested in actual accounts where someone has presented to do their regular extension and been required to get insurance. Indeed, Hayduke posted a first-hand report that his extension of permission to stay based on his original OA - retirement Visa was APPROVED at CW without being queried about health-insurance. And we should be grateful that he posted his experience, as it is presently the ONLY first-hand report of such an approval. Maybe I missed it, but I have not seen any first-hand reports of applicants being denied for lack of having health-insurance. There have indeed been several hear-say reports of denial and some of these quite credible (as well as immigration officials being quoted that it is required now). But it is getting kind of ridiculous as it is almost two weeks in effect and it's still not clear how the health-insurance requirement is enforced at the provincial IOs. Theres reports all over the forum ?? Hua Hin, Jomtien, Chiang Mai.. And user Hayduke made lots of claims that contradicted each other.. Arrival dates which would be impossible to get the extension he claimed etc.. Link to comment Share on other sites More sharing options...
Popular Post EricTh Posted November 12, 2019 Popular Post Share Posted November 12, 2019 (edited) 19 hours ago, Suradit69 said: Maybe if I'm lucky I'll get run over by a Chinese tour bus and all this nonsense will cease to matter. The problem is not so serious as to feel so hopeless. Applying for a new Non-O visa based on retirement should be without much problem and some people are already thinking of doing that. That will at least solve the insurance problem for now. Edited November 12, 2019 by EricTh 3 Link to comment Share on other sites More sharing options...
EricTh Posted November 12, 2019 Share Posted November 12, 2019 1 hour ago, Peter Denis said: Maybe I missed it, but I have not seen any first-hand reports of applicants being denied for lack of having health-insurance. There have indeed been several hear-say reports of denial and some of these quite credible (as well as immigration officials being quoted that it is required now). But it is getting kind of ridiculous as it is almost two weeks in effect and it's still not clear how the health-insurance requirement is enforced at the provincial IOs. I agree and I think first-hand accounts are the most accurate. If you ask different immigration officials, you might get different answers. Is there a possibility that different immigration offices are implementing things differently? Link to comment Share on other sites More sharing options...
EricTh Posted November 12, 2019 Share Posted November 12, 2019 35 minutes ago, LivinLOS said: Theres reports all over the forum ?? Hua Hin, Jomtien, Chiang Mai.. And user Hayduke made lots of claims that contradicted each other.. Arrival dates which would be impossible to get the extension he claimed etc.. It's better to wait for more first-hand account reports to come in from different immigration offices in Thailand to get a more accurate conclusion. 1 Link to comment Share on other sites More sharing options...
Popular Post Suradit69 Posted November 12, 2019 Popular Post Share Posted November 12, 2019 (edited) 2 hours ago, EricTh said: The problem is not so serious as to feel so hopeless. Applying for a new Non-O visa based on retirement should be without much problem and some people are already thinking of doing that. That will at least solve the insurance problem for now. Yes, I may very well do that but if embassies in neighboring countries get swamped with people coming off retirement extensions applying for non Imm O visa for retirement or border Imm Officers likewise with newly minted O visas or visa exempt entries days after they each ended 10 years of successive retirement extensions or Imm offices get swamped non Imm O conversions ... I would imagine those sorts of tactics will hit a wall. Anyway, one way or another I'll buy time ( interpret that as you will ) for another year to see how this pans out. Which embassies in the region are easiest to get a SE Non Imm O for retirement and what's required? I know that's been asked and answered 1001 times, but the forum search function sucks and what was true a month ago has probably changed two or three times in the interim. where I stay east of Pattaya there are no Chinese tour buses so my earlier comment wasn't a veiled threat. I'm just getting sequentially more tired of all the uncertainty and layer upon layerof hassle. Where's a good grandfather clause when you need one? Edited November 12, 2019 by Suradit69 4 Link to comment Share on other sites More sharing options...
EricTh Posted November 12, 2019 Share Posted November 12, 2019 (edited) 47 minutes ago, Suradit69 said: Which embassies in the region are easiest to get a SE Non Imm O for retirement and what's required? I know that's been asked and answered 1001 times, but the forum search function sucks and what was true a month ago has probably changed two or three times in the interim. You might want to PM NancyL and UbonJoe, they seem to be experts in these. Anyway, I feel that changing to Non-Imm O earlier is better than waiting after one year. Who knows by that time, immigration would have plugged the loophole on O visa as well. Even if they do, hopefully they would make an exception to those who already have a non-O before the new law came into effect and applies only to new O visa applications. Anyway, the choice is yours to make, I'm just giving you several possible future scenarios that might happen. Edited November 12, 2019 by EricTh Link to comment Share on other sites More sharing options...
Suradit69 Posted November 12, 2019 Share Posted November 12, 2019 2 minutes ago, EricTh said: Even if they do, hopefully they would make an exception to those already have a non-O before the new law came into effect and applies only to new O visa applications. One would have hoped they'd have made an exception for those who made their last O-A entry more than 10 years ago as many of us did. Anyway I'm doing my renewal next month so maybe I'll get it without a problem and I can turn my attention to worrying about next year. 2 Link to comment Share on other sites More sharing options...
Popular Post Thaidream Posted November 12, 2019 Popular Post Share Posted November 12, 2019 54 minutes ago, Suradit69 said: heir last O-A entry more than 10 years ago as many of us did. Anyway I'm doing my renewal next month so maybe I'll get it without a problem and I can turn my attention to worrying about next year. Hang in there- I have a feeling when the dust settles; the complaints go into the Foreign Ministry and western embassies send diplomatic notes- all of a sudden the grandfathering of O-A Visa holders will occur. Since you will be doing your extension in Jomtien- there are other ways to get it done which I am sure you are aware already. To be quite honest, I , also am getting real tired of constant changes, uncertainty and just plain the constant targetting of the expat community. 3 3 1 Link to comment Share on other sites More sharing options...
Suradit69 Posted November 12, 2019 Share Posted November 12, 2019 1 hour ago, Thaidream said: Since you will be doing your extension in Jomtien- there are other ways to get it done which I am sure you are aware already I've never used "assistants" for "assistance" so if you can recommend one or two, please pm me. TIA. Link to comment Share on other sites More sharing options...
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