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3 minutes ago, possum1931 said:

For most of your post I can see where you are coming from, but I refuse to believe that the Thai government cannot fix health insurance through some government hospital scheme, and what about insurance companies cancelling or raising the cost of policies after someone reaches a certain age.

You read about this all the time on this forum.

Health insurance prices are so high for old age because the cost is so high for old age. Many old people are more often sick, including many chronic condition like i.e. diabetes. And operations, i.e. for heart problems are very expensive - all over the world.

A long time ago I worked in the health insurance business and it was always the case the premiums for old people were high. The premiums for old people are a little lower if those people were with the same insurance company (and tariff) for decades. But they are still high because the cost are high.

 

The only way for insurance companies to offer lower prices is to exclude some (expensive) services or limit the amounts which they pay for some services or total amounts or to insure only people who are very healthy or to offer short time insurance (i.e. only for the duration of a one month holiday). 

I am sure insurance companies would love to offer contracts for old people for reasonable amounts. But they obviously only do that if they make money with that. And Thailand and other countries will think similar to the insurance companies. Maybe not making money but at least not losing money.

 

The only exception are our home countries. Because if we are old at home and we are sick then the home country pays anyhow. Option a they pay our health insurance or doctor (i.e. NHS). Option b if we are broke our home countries give us a place to live and survive. And I think it's obvious why we should not expect the same for foreign countries where we chose to live or would like to live.

 

This is just one of the graphs which shows the situation (I just took the first one I found).

main-qimg-c4147e4040b9816ecae6fc3ea39c2a

 

 

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I think it's always interesting what some people want and what they think Thailand should do for them. Look at it from the Thai point of view. What is the advantage for Thailand to give some peop

What really disgusts me about Thailand is how older people who have been here for many years and now find it hard to get about still have to do these ridiculous 90 day reports etc, it is alright sayin

Some light reading for you;    

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17 hours ago, Don Mega said:

Ive heard that too, is it actually feasible ?

 

would go for citizenship but not PR.. Assuming I would have to change my current extension to be based on marriage rather than work.

Do you speak fluently Thai and can you sing the National Anthem????

Willing to give up your native nationality????

 

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15 minutes ago, jomtienisgood said:

Not correct, you can apply for any one of them.....

You can only if you can show 3 years of continuous employment with matching income tax receipts. I.e retired people on "Thai Wife" extensions should not waste their time dreaming of PR or Citizenship.

As far as I am concerned at 68 applying for 8 or 9 more extensions, with my wife being also quite good as a private agent, will be less work than going through all the excrement required for PR or citizenship. Honestly that's probably the Thai authorities' thinking too.

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6 minutes ago, jomtienisgood said:

Do you speak fluently Thai and can you sing the National Anthem????

Willing to give up your native nationality????

 

Not "fluent" in thai but I can hold a conversation, Every morning 8am at work we sing the national anthem.

 

not keen to give up my passport.

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18 minutes ago, OneMoreFarang said:

Health insurance prices are so high for old age because the cost is so high for old age. Many old people are more often sick, including many chronic condition like i.e. diabetes. And operations, i.e. for heart problems are very expensive - all over the world.

A long time ago I worked in the health insurance business and it was always the case the premiums for old people were high. The premiums for old people are a little lower if those people were with the same insurance company (and tariff) for decades. But they are still high because the cost are high.

 

The only way for insurance companies to offer lower prices is to exclude some (expensive) services or limit the amounts which they pay for some services or total amounts or to insure only people who are very healthy or to offer short time insurance (i.e. only for the duration of a one month holiday). 

I am sure insurance companies would love to offer contracts for old people for reasonable amounts. But they obviously only do that if they make money with that. And Thailand and other countries will think similar to the insurance companies. Maybe not making money but at least not losing money.

 

The only exception are our home countries. Because if we are old at home and we are sick then the home country pays anyhow. Option a they pay our health insurance or doctor (i.e. NHS). Option b if we are broke our home countries give us a place to live and survive. And I think it's obvious why we should not expect the same for foreign countries where we chose to live or would like to live.

 

This is just one of the graphs which shows the situation (I just took the first one I found).

main-qimg-c4147e4040b9816ecae6fc3ea39c2a

 

 

I still think more can be done and I appreciate what you are saying, but I won't change my mind about insurance companies and all the dirty tricks they play to try and avoid paying out on claims.

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On 8/14/2020 at 9:49 AM, possum1931 said:

to do these ridiculous 90 day reports etc, it is alright saying that their wives or family can do it,

Yes they can---or a few strokes on the computer---or you can post it---or an agent can do it for about 100-150 each time.

And its only 3 times in a year.....

 

Wow what a burden we have to go through .....................Next...........:w00t:

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21 minutes ago, jomtienisgood said:

Not correct, you can apply for any one of them.....

Yes you can, but you'd have to be bloody stupid to apply for PR when you were entitled to apply for citizenship.

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11 minutes ago, Don Mega said:

Not "fluent" in thai but I can hold a conversation, Every morning 8am at work we sing the national anthem.

not keen to give up my passport.

There is no requirement to give up your current citizenship when you get Thai citizenship.

But there is a bit of paper to sign saying you will.

 

Thailand is all about saying, and hardly ever about doing.

Edited by BritManToo
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3 minutes ago, possum1931 said:

I still think more can be done and I appreciate what you are saying, but I won't change my mind about insurance companies and all the dirty tricks they play to try and avoid paying out on claims.

And which insurance companies play these dirty tricks? Mostly the "cheap" companies.

The companies who pay without much hassle are normally the expensive companies...

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1 minute ago, sanuk711 said:

Yes they can---or a few strokes on the computer---or you can post it---or an agent can do it for about 100-150 each time.

And its only 3 times in a year.....

 

Wow what a burden we have to go through .....................Next...........:w00t:

Didn't you read all of my post? t100-150 each time?? The agent opposite the Big C in Pattaya charges 500Bt to do a report, and 1000Bt to correct a simple mistake made on my passport arriving at Swampy.

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4 minutes ago, BritManToo said:

Yes you can, but you'd have to be bloody stupid to apply for PR when you were entitled to apply for citizenship.

Depends entirely on the individual's circumstances and you probably don't know enough about it. In the last say 8 years processing and approval time for PRs has been quicker than for citizenship (1-1.5 years typically). In the years prior to above period processing and approval time for PR was significantly longer and in some years applications were not opened.

 

As such if there is a risk that a person may not meet the requirements for citizenship (for example WP and paying taxes) ove a long period (i.e. may retire or lose their job) PR may be a better option. Of course all knowledgeable people should know that there are ways to keep a work permit.

 

Above is from first hand knowledge and experience. One problem is that people often really don't know what is required to apply for PR and citizenship. Former is quicker and probably harder to obtian than citizenship; latter takes longer. 

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3 minutes ago, possum1931 said:

Didn't you read all of my post? t100-150 each time?? The agent opposite the Big C in Pattaya charges 500Bt to do a report, and 1000Bt to correct a simple mistake made on my passport arriving at Swampy.

What can I say possum--then your using the wrong agent,

 

I think I over reacted a little possum, because those who have lived here for a while (for me its only about 21 years)  have seen nothing but improvements in the 90 day and Visa in general. You use to have to leave the country for your 90 days...how would your old fella like that?

 

The computer thing is up and running in most places and that's what the agents use when they do the 90 day for you. When all the kinks are out of it--You really cant complain about doing a computer log in just 3 times a year.

 

For the general visa--(1 year) --you used to have to get it from a Thai embassy Outside of Thailand---yer that was usually a 3-5 day exercise, and no guarantee you would get it--& the cost , we used to take trains or buses most of the time down to Malaysia etc,  as cheap Air Asia flights weren't around, sometimes they got a bit funny and only gave you 6 a month visa. 

 

Sorry if my first reply was a little impolite

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On 8/14/2020 at 10:22 AM, villageidiotY2K said:

just wondering if ur like 80 yrs old, u still gotta drag your gimpy ass with a stick or a wheel chair to extend and reportt!? oh dear god jesus, its even hard to climb those steps with my gimpy legs and what a nuissance to those around me. at this age, i cant even hear, comprehend what the officer is saying behind those desks.

whatelse, its even hard for me to get my big ass outter my bed with my shredded bones and muscles. gabogabogabogabogabogabo

 

If you are handicapped someone else can do the 1 year extension for you. It even says so at the bottom of form TM7 (the latest revision). Someone else can also do the 90 days report. But I don't know if someone else can get the bank letter from the bank used for the 1 year extension (when using the money in the bank method) or bank statements. Haven't heard anything about that. Maybe it works if talking to customer service. 

 

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2 minutes ago, sanuk711 said:

What can I say possum--then your using the wrong agent,

 

I think I over reacted a little possum, because those who have lived here for a while (for me its only about 21 years)  have seen nothing but improvements in the 90 day and Visa in general. You use to have to leave the country for your 90 days...how would your old fella like that?

 

The computer thing is up and running in most places and that's what the agents use when they do the 90 day for you. When all the kinks are out of it--You really cant complain about doing a computer log in just 3 times a year.

 

For the general visa--(1 year) --you used to have to get it from a Thai embassy Outside of Thailand---yer that was usually a 3-5 day exercise, and no guarantee you would get it--& the cost , we used to take trains or buses most of the time down to Malaysia etc,  as cheap Air Asia flights weren't around, sometimes they got a bit funny and only gave you 6 a month visa. 

 

Sorry if my first reply was a little impolite

I stopped using that agent 2 years ago. I don't agree with you about improvements which you mention. I was glad to do a 200 k run to the border every 90 days when I first came here, I wish it was the same today. I also don't like the idea of reporting every 90 days, why should I report to anyone, I'm not a criminal.

No problem about being impolite, I'm always happy to hear from people with your experience in Thailand. I have to admit I am a bit of a rebel, but I will never change.

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