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I have paid for trips to the doctor/hospital out of my own pocket since I turned 60, since at that point the premiums increased significantly. I have substantial savings that I saved over time for this very purpose, way more than the minimum requirements for the new law. Is there something like a "health escrow" account, where you could earmark a lump sum to be used only for medical bills, just like insurance? I don't feel like paying for elevated insurance premiums when I already have a backup health plan. 

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Even if there was, there is nothing to suggest it would be acceptable to the MFA or immigration to support a Visa or Extension application in lieu of insurance. 

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Having money available for hospital costs makes sense to us but not to Immigration it seems

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It's an O-A and I am unmarried. Getting health insurance is preferable to changing my visa status. But it was just an idea. DrJack54 -- what do you base your assumption on? I think I'm exactly who the requirement is aimed at, namely elderly (hate that word now that I am one of them) foreigners who have a far greater likelihood of needing extended medical care.

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1 minute ago, Hurricane51 said:

It's an O-A and I am unmarried. Getting health insurance is preferable to changing my visa status. But it was just an idea. DrJack54 -- what do you base your assumption on? I think I'm exactly who the requirement is aimed at, namely elderly (hate that word now that I am one of them) foreigners who have a far greater likelihood of needing extended medical care.

Getting poor value health insurance with cut off dates, dubious levels of cover and cost.. Is preferable to simply re-establishing your visa status on a non imm O generated permission of stay ?? 

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38 minutes ago, Hurricane51 said:

It's an O-A and I am unmarried. Getting health insurance is preferable to changing my visa status. But it was just an idea. DrJack54 -- what do you base your assumption on? I think I'm exactly who the requirement is aimed at, namely elderly (hate that word now that I am one of them) foreigners who have a far greater likelihood of needing extended medical care.

I did say many will disagree. Fact is apart from one imm office Nonthaburi, I have not seen reports from big office such as CW, insisting upon insurance for extensions. The "extension of stay" based on whatever..,. retirement, marriage etc even if the long ago entry was a non O-A (now expired). Time will tell.

 

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Sadly, some countries are now requiring health insurance or tried to mandate it.  Look at the USA and Obamacare that was forced down everybody's throats.  I was paying $126  a month in 2013for a fine and perfectly adequate for me catasrophic medical insurance plan.  I had high deductibles but I did not care.  I was insuring against a big ticket medical issue if one arose.  I have no chronic issues and literally never used insurance since I left the US Air Force back in 1992!  Obamacare drove my costs up to $565 in 2015 and would have been over $800 in 2016!  So as an independent contractor things were getting out of hand.  I took a direct employ salary job at an OK pay rate but with medical costs of only $95 a month.  So things worked out OK for me.  Now the US president got the penalty for not having insurance waived, but the costs of the medical would still be ridiculous.  Luckily I am approaching 63, and at 65 can get US Medicare which will probably cost me about $200 a month two years from now, give or take as an estimate

 

   So one can only guess what drives countries to mandate how one should need medical insurance.  Obviously some health care industries love having people mandated to need insurance. 

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I think the  compulsory insurance specification they have enacted is not very practical for the purchaser, and certainly a linked bank account would be a good idea for the OPD element, instead of including it on a policy, and elevating the policy premium. It could also double as the deductible for a IPD policy.

 

40k min in a bank account, which could be linked to their new insurance database. Then just add to it as and when, to keep elevating the provision (repayable request possible remotely, if leaving or not returning to Thailand)

 

A cash component would be most sensible, to give multi year continuity, and the ability to pay for some treatment, should the insurance not.

 

I've always paid for outpatient treatments I've had in Thailand, food poisoning, dressing changes and the like probably have not topped 40k in total.

(There was one OP treatment I declined, as I estimated that they were charging 3x the price for the medicine alone, and planned home for it. It was cheaper for two airfares! the deal breaker was the unavailability of medical complication insurance as I was not resident in Thailand)

 

Lets hope the strange imposition they have come up for the O-X & O-A visas, will evolve into something useful. 

Such as;-

1. Include a conditionally refundable bank account element. great idea! 

2. Make Thai policies available, without having to be in the country 180 days.

3. The Thai insurance would have to be crystal clear that it will be the first to pay, for a claim in Thailand (rather than your deposit or other overseas cover)! Excepting perhaps for the medical insurance cover incorporated into a Thai vehicle policy. 

 

Your Bank account Idea is good, but not for everything if there is an option to also add an insurance component at reasonable cost. It would also be useful for Thai nationals that use private medical insurance, if the account facility was operated by the main banks. 

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14 hours ago, DrJack54 said:

I did say many will disagree. Fact is apart from one imm office Nonthaburi, I have not seen reports from big office such as CW, insisting upon insurance for extensions. The "extension of stay" based on whatever..,. retirement, marriage etc even if the long ago entry was a non O-A (now expired). Time will tell.

 

rayong want insurance

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Some off topic posts meant to deflect the topic and the expected replies to them have been removed.

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2 hours ago, DrJack54 said:

When CW want insurance for extensions based on long ago expired O-A I will say writing is on the wall. There has always been rogue imm offices. Not related to topic but it never ceases to amaze me why all the imm offices are not pulled into line when they decide to "do their own thing".

  So far the "rogue" immigration offices are Rayong, Jomtien, Nonthaburi, and Chiang Mai.  The evidence appears to be mounting toward "the writing on the wall".  

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