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Messages - Rex (Admin)

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Visas, et al / Re: Health Insurance mandatory for long-stay foreigners
« on: December 10, 2019, 05:06:17 PM »
Yes, and they also say they will "consider" covering pre-existing conditions.  You could understand why if you already had cancer, for example, gawd forbid, they would not want to cover that going in.  However, I have hypertension, which I manage. So do about 1/3 of adults in the U.S., if I remember correctly.  Not only is it specifically excluded on my BOOOPA policy, but the wording is "hypertension and its complications."  Hypertension itself rarely causes any symptoms or specific problems. It's the complications; heart and renal disease or anything cardiovascular or circulatory. That lease a lot of room for them to deny claims as they could blame virtually anything on complications of hypertension. Obviously, an insurer needs to reduce risk and manage claims, but automatically denying 1/3 of adults who might otherwise be perfectly healthy until they shuffle off to Buffalo is just a bit predatory in my opinion.  Anyway, it would be interesting if Pac Cross was flexible on that issue.

Visas, et al / Re: Health Insurance mandatory for long-stay foreigners
« on: December 10, 2019, 10:34:39 AM »
Tks, Savannah.  The website makes it look like the coverage is specific to O-A and O-X visas.  I assume they would not turn away a O visa holder, but shall find out. They will write a new policy up to age 75 and won't kick you off until you are 99 (if you have not kicked off already!  roll )  These packages look like a pretty good deal, but the devil is in the details, to be determined. I would want to do a line-by-line comparison with BOOOPA, but just at first glance, BOOOPA looks like a really bad deal). Also, as you said, offers a deductible which may be a better option for some people.  Here is the "instant quote" they came up with for me, which may not be at all like your or Harry Potter's.  Tks!

Visas, et al / Re: Health Insurance mandatory for long-stay foreigners
« on: December 09, 2019, 07:08:44 PM »
Who knows what actually happens! However, if you do not have insurance and Imm demands it, I guess you don't get your visa/extension.  One of the few smart things I did was sign up with BOOOPA just under the age limit, 60 or 61 if I remember.  As I understand it, my policy cannot be cancelled so long as I continue to pay the premiums.  However, now you have made me paranoid, and I guess I had better confirm that with BOOOPA.  But I guess it is a reality that some older people will have difficulty getting a new policy, or getting a policy that cannot be cancelled in the future because of age. Sometimes, you just have to accept reality even when it sucks! In your home country, you probably have a stronger social contract and commitment to take care of old farts before the worms get them!

Visas, et al / Re: Health Insurance mandatory for long-stay foreigners
« on: December 08, 2019, 05:04:30 PM »

Thanks Rex. I'll have to get hold of that list.
My insurance covers everything, inpatient and outpatient.

The sooner I can get rid of this O-A visa the better. I don't really need it and going back to 30 days would make things so much easier.

Sorry, Screamer, I should have included that the company has to be a Thai company, one that is on the approved list.

Visas, et al / Re: Health Insurance mandatory for long-stay foreigners
« on: December 08, 2019, 12:39:09 PM »
First of all, whatever happens, happens.  It may have nothing at all to do with what we are discussion here.  All we can do is kick around our various interpretations of what we believe to be the current policy.

Screamer, from what I understand, it doesn't matter if your policy has B100 million in coverage, if it doesn't have B40K in outpateint, technically, it doesn't qualify. It also doesn't matter whether they "like" your insurance or not, if it is not on the approved list, it doesn't qualify. That list is public information.  Maybe someone could post a link.

Another tidbit which may be of interest:   New requirement asks Taiwanese nationals to submit bank statements from the previous three months => Taiwan is a developed nation. The people who visit here are monied, sophisticated professionals and are understandably pissed. Taiwan in an island, so poor Taiwanese are unlikely to try to sneak into Thailand.

As far as I know, there is no insurance requirement for a tourist visa or "visa exempt" at this time. However, there have been discussions to add B100 to the price of a tourist visa = ] This is a perfectly reasonable, workable solution which should put an end to all the controversy. If anyone is sufficiently off put for having to pay an additional $3, they can visit Cambodia instead.

It is more complicated, but there is no reason not to implement something similar to long-stay visitors, a reasonably priced plan so that everyone could meet the B500K / B40K minimum.  If someone had the money and wanted more than that (and many would I reckon), they could buy an add-on policy of the insurers were willing to create such a policy.

Visas, et al / Re: Health Insurance mandatory for long-stay foreigners
« on: December 06, 2019, 08:23:02 PM »
The want you to have B40K outpatient--which is practically nothing--but that is the requirement. Also, don't they want your insurance company to be on the approved list?

I wish they would not create such uncertainty and make things more difficult than they have to be.  For tourists, they could just add B100 or whatever to the visa via or collect it when you go through immigration. For long-stays, certainly that could work with the insurance companies to provide the minimal B500,000 inpatient / B40,000 outpatient coverage.  Why anyone would want crappy outpatient coverage is beyond me, but that's another matter.

Visas, et al / Re: Renewal of Retirement extension / 90 day Report
« on: December 06, 2019, 06:28:59 PM »
You see!  There are consequences to not reading this forum!

Visas, et al / Re: Health Insurance mandatory for long-stay foreigners
« on: December 01, 2019, 06:13:01 PM »
If he doesn't, I guess he will find out on Monday morning that he needed one.  It is not like the good old days when you could just drop in at the Consulate.  Leading up to my renewal last month, as I was considering my options, I was going to book an appointment at Vientiane as a fall-back in case my application went pear-shaped.  I don't recall it being as busy as someone told me, but you still need to plan ahead.  Ain't life in these here modern times wonderful?

Visas, et al / Re: Health Insurance mandatory for long-stay foreigners
« on: November 30, 2019, 05:57:59 PM »
Thanks for the report, Frank.

Just to keep the record straight, I am on an "O" not an "O-A."  I have posted about the insurance issue because at first, I was not clear about "O" vs. "O-A" situation.  However, I do have Aetna (BOOOPA), but only inpatient. When I investigated rates, I learned that it would cost an additional B50K on top of my B72K to add outpatient. One of the worst deals I have ever seen.  B50K would get me a maximum of of B75K of coverage during the year. At the time, there was no option for only the Imm required B40K coverage. If they use the same formula, B40K would cost nearly B28K. Ridiculous.

I would be surprised if Aetna was not on the approved list, but I don't know one way or the other.

The other option for your friend is to use an agent.

Holidays & Festivals / Re: Happy Holidays 2019!
« on: November 28, 2019, 09:58:21 PM »
Any and all  members of Khon Kaen Forum are of course, needless to say, entirely free to wish one another a "Merry Christmas" if that is their preference.

Holidays & Festivals / Happy Holidays 2019!
« on: November 28, 2019, 06:52:34 PM »

Holidays & Festivals / King Kong Restaruant Christmas Day Menu
« on: November 28, 2019, 05:19:37 PM »

Thu 28 Nov 2019, 5:15 pm

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New Member Introductions / Welcome Kajornsak!
« on: November 20, 2019, 08:45:08 AM »
Hi  Kajornsak, Thank you for your recent posts.  Nice to see you participating.  smiley32

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