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Over 70s in Thailand


superal

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14 hours ago, twocatsmac said:

 

Also, before retirement or while you’re still working increase the limit on your cards to the max, 

I don’t think it’s as easy without current employment.

 

Yes....True. 

 

I wanted to increase my limit to account for inflation and poor exchange rate but was aware that not being in employment might prove a hurdle.

 

However , I had an online shop selling things and received a regular payment into my account every week of around 100 dollars from the same payer.

 

After a year of this I was due to return to the UK in May and was going to get my limit modestly increased on the strength of these deposits.

 

Then Covid19 arrived , Thailand post suspended services to most places and my online shop crashed completely. Sods law that.

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If you are from the UK and are classed there as non-resident my understanding is, that you are not entitled to free NHS treatment and care for three months, should you decide to return there.   This is irrespective of the time you may have worked in the UK.

One of the requirements for retirement visas in Thailand is the 800K bank deposit, no doubt this is to ensure you could, if necessary pay off your hospital bill.

Traveling back to the UK could be very expensive depending on your condition and of course flight regulations could ban you from traveling anyway.

 

Not sure what will happen once UK leaves the EU, no doubt reciprocal health care agreements will stop.

 

Yes, it may not be fair that having paid private medical insurance for years and then no longer covered because of age but that's the way it is.   No doubt as the world gets more sick insurance premiums will rise.

 

"OP original comment " - Annual Insurance premiums in excess of $100k are not in my reach so my plan has always been to hop on the plane to the UK if taken seriously sick .   Do you mean insurance premium or cover ?     Do you mean dollar or baht ?    Just hop on a plane ... the airlines do not have to let you travel if they see you are sick.   A global rescue insurance may help but if you can't afford the 100k premium then it is probably out of reach.     What happens if there is another pandemic or similar that bars flights between certain countries, how would you hop on a plane then ?   It's an overall irresponsible attitude towards family, airlines, it's passengers and those concerned.

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4 hours ago, Tounge Thaied said:

I am 52 and have thought that I would enroll in this global emergency evacuation flight insurance program so that I could be flown back to my home country when I need a major health care emergency.

https://www.globalrescue.com/

I guess that depends on the home country - for me, having stents after a heart attack, I couldn't have afforded to do it anywhere else and you can't get NHS treatment unless you're a UK resident anyway... that plan is for people travelling outside the UK, not living outside.

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The question you posed is one I had to answer...reluctantly...now have government healthcare safety net in US which costs very little...Family doctor, specialists,  and pharmaceuticals are easy on the budget and the peace of mind worth considering. 

 

I may return for a visit...but returning and retiring there now is out of the question. 

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3 hours ago, Puchaiyank said:

The question you posed is one I had to answer...reluctantly...now have government healthcare safety net in US which costs very little...Family doctor, specialists,  and pharmaceuticals are easy on the budget and the peace of mind worth considering. 

 

I may return for a visit...but returning and retiring there now is out of the question. 

Are you talking about Medicare? If so... please share your experience with that, your enrollment, current costs, projected future costs etc. 

Edited by Tounge Thaied
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7 hours ago, ben2talk said:

that plan is for people travelling outside the UK, not living outside.

"that plan" are you referring to the global rescue plan? If you are, it looks like they have a 365 day annual renewal plan for $639.00 and will fly you to any home country. Would it matter if you are traveling or living in Thailand?

https://www.globalrescue.com/personal/travelservices.html

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12 hours ago, OneMoreFarang said:

Most of us can get medical service in our home countries. Often free when we are old.

Is that not fair and good enough?

 

Do we all have a right to live wherever we want in this world and get medical cover for cheap or free? What next? 

At his age , it is a matter of time before he needs medical attention, Thailand is no place to be without sufficient insurance coverage.

or anywhere for that matter, my parents have ended their winter getaways to the southern US because of high premiums. They don't want to drop any burden or sudden bills on the family. It was the proper thing to do.

there comes a time for everyone to throw in the towel so to speak. 

Its bad enough reading the go fund me pages of backpackers injured in moto accidents, crying for money, never mind some old man on his death bed that new it was cling and thought the world owed him one.

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2 hours ago, Tounge Thaied said:

Are you talking about Medicare? If so... please share your experience with that, your enrollment, current costs, projected future costs etc. 

I have both Medicare and VA.  I believe about $130 per month is taken out of my SS check.  VA is basically free with a small Dr. visit and drugs copay.

 

Can not predict the future of these healthcare systems in these most peculiar times.

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As I understand it, the Thai government is now requiring incoming non-citizens to have an insurance policy with at least $100,000 (USDs) in coverage, that must include (not exclude) COVID. Pacific Cross Insurance will sell policies providing that to applicants under the age of 75, but those over 65 have to get a complete medical check-up which could result in exclusions for any pre-existing conditions. The premiums are expensive but it meets Thai Immigration requirements for Extensions of Stay on a Non-OA retirement visa. I recently renewed for another year and will be applying for my annual renewal next week. The only alternative is the Thailand Elite Visa (THB 500,000 for 5 years) which I am considering for next year. Check it out. 

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21 hours ago, Oldie said:

"Is there an alternative solution ?" 

 

You can use Google and try to treat yourself. ???? The day might come when you will not be able to get an insurance. 

 

What do you think a forum targeted at expats is for? 

I always thought it was for asking questions like this. Obviously not this forum thou said its full of....Feel free to finish the sentence 

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