I thank you for this channel. Your videos are always informative and entertaining. You articulate clearly and your English is easy to understand even for such an old Finnish man. You have interesting guests. Keep doing what you do. Thank you.
Fantastic advice, I'm in my mid 50s fit healthy and regular check ups and my GP always does a second BP test because I always show a high reading first time and a normal 5 min later Trevor you are the leading force for great information on such a broad range of topics, well done 👍👍👍
I am mildly hypertensive and on medication and am stable enough to have a pilot license medical. Always declare Hypertension on your medical insurance application
My health tends to improve when I am there. I normally eat a bit healthier and avoid fast food, plus I do alot of walking which helps keep the weight off. Drinking in moderation is the key
The message here is to get insurance while you are healthy. You do not ask for car insurance after you crash. But if you are gaving a blood pressure reading taken, and it is 140 or above, try to relax for a few minutes and ask for a second reading. Reputable insurers expect a highet reading if you are in considerable pain.
I have known about the high blood pressure problem as i suffer with it and have had to include it when buying travel insurance for many years now. Amazing how people can get caught out so easily by not knowing.
Its the same with travel insurance. I have a slipped disk and used to declare that as a pre-existing medical condition. I noted that high blood pressure was an option. Previously, the question was "have you had a high blood pressure reading in the past 5 years". Now the question is have EVER had a high blood pressure reading. If so, you need to declare it and pay a premium.
yeah i got the covid cover 90 days from the UK at 6.5k bhat, as well as my travel insurance on top again here in the UK 90 days £75, the covid cover i used the GOV web site of Thailand i believe you cannot have enough insurance when travelling, we are lucky here in the UK with our free NHS its a god send really especially when you are over 60
A patient is within his rights to refuse any treatment outright - including a blood pressure test. Simply decline the test if it makes you nervous and if it has you worried, get your blood pressure tested elsewhere in a place that won't ask for ID or keep shareable records. Many clinics and dentists will take your blood pressure in Pattaya and only ask for a name without ID. In most instances, many of the tests done in hospitals are simply a means of increasing the bill anyway. This I assume is the product of so many Thai doctors having exposure to the US health care system, where running batteries of unnecessary tests is completely normal.
One’s blood pressure should also be measured consistently i.e. in the same way. For example sitting for 3 minutes then measured v being rushed painfully to hospital, navigated through a busy waiting zone and immediately getting the blood pressure measured are unlikely to give comparable results. The heart rate and breathing rates are also likely to be affected. If possible, try to ensure the pressure is a sitting blood pressure after 3 minute wait. This assists the physician and the insurer by providing accurate, comparable information.
Good point about funeral cover there Trevor. My travel insurance covers repatriation costs back to the UK. I'm surprised he doesn't provide an insurance product to cover such an eventually as it must occur reasonably often.
Great interview with Jack Trev some great advice... Hypatension blew me away... something i will remember in the future... I will be contacting Jack on some Insurance Quotes🙏🙏👍👍👍😷😷
The problem here, regarding the hypertension is that in Thailand one can consume a reasonable amount of alcohol, a lot of salt in the meals, this in itself can cause hypertension so there may be no cardiovascular condition its purely down to alcohol and salt. Once the alcohol intake stops then the BP should resume to normal levels, If you are on Hypertensive medication that has been prescribed by a GP then you are hypertensive as a medical condition, otherwise it could be classified as transient hypertension.
For well over 5 years now nobody would be labelled as hypertensive ( raised blood pressure) based on individual readings done in a GP surgery or hospital setting . What is done now is the GPs practice nurse will attach the patient to a machine which they go home with and it measures their blood pressure at home at least every hour then 24 hrs later they go back to the surgery and all the readings (20 to 30 readings)are looked at with an average worked out and if the average is above the defined limit only then are they labelled as having hypertension and offered blood pressure medication.This is called ambulatory blood pressure monitoring.
Another great interview, he was very informative. I wonder is the hypertension insurance issue is something that applies for just Thai insurance companies or is that a standard across the world? Furthermore I think somebody in that interview knows all of Pattaya's nooks and crannies better than most. I suspect old Jack has had more girls barfined in his time than insurance policies, he's written!
@@jacklevy2982 Thank you Jack for your advice, you have been very helpful. I hope I bump into you in a bar one day, I've ventured to Thailand on many tours but I have no doubt you could teach me something. All the best to you.
I have white coat hypertension and when I went to get my health check for my Australian student visa the doctor took my blood pressure and it was something like 190 and she said I was close to having a heart attack, we listened to Bob Marley and talked about movies for 20 minutes and then it went down to normal. I didn't know I had white coat hypertension till I got home and told my Mom and she told me I did. Didn't help that the doctor was one of the most beautiful women I've ever seen in my entire life 😂
Don't forget the annual increases and the 5 year age bracket increases. When I first came here in 2015, I couldn't get insurance to cover my pre-existing condition, e.g. I had a stent inserted in 2008 at age 47 as I overexerted myself, so I self insured, then a broker found me an insurer 2 years later and it started off at 58,000 baht per annum at 58 which covered my pre-existing condition, by the time I turned 61 three years later, it went up to over 140,000 baht per annum, never had a claim. All my blood pressure tests have always been on, or just under 120/80, all my blood tests have been perfect, I have never had another incident since 2008, done two stress test at 5 year intervals and passed with flying colours, not overweight, eat clean food and exercise daily, don't smoke, don't drink, but unfortunately insurers put us all in the same basket, i.e. high risk, so I am back to self insuring as I can easily afford it, but that's besides the point, that said I now put 250,000 baht aside into a separate account so as to stay ahead of what policies would have cost me, and if I do have an incident before I can build it up to around 2 mil, then I will just pay it out of my pocket. Not much else one can do if insurers can't see the light.
Very interesting especially as I am currently looking into insurance now having self insured the last ten years. They are quoting me 68k a year aged 55 and zero previous conditions
@@Buzzinpattaya To me it's a must to have private health insurance if you are abroad, that said, nothing wrong with self insuring if you have the backing, as mentioned, I do, however, that's why we insure, to protect our backing for the annual premium, that said, what I would do if I were you, us look at what their age bracket increase are, for example, 55-60, 60-65, 65-70, some work a little different, 54-59, 60-64, 65-69 and so on, also add around 10% per annum for overall increases to your premiums, I say that because they used to nudge mine up every year at around 8%, but I'm sure there will be a few people opting out as premiums, both annual and aged bracket increases will effect people with the mess we are (inflation) and they will have to make up the numbers from the losses to be profitable. That said, if you have self insured for 10 years and have that stash in an account, your ahead of most, and if you do continue to self insure, I would suggest you increase what you have been setting aside by 100k baht per year, like I said, I am putting 250k baht a year aside, that's a little above the 140k + that they wanted last premium renewal, that is when I said, enough gauging. Good luck.
Thanks for a fantastic and informative video, this was my request a few days back with a recommendation of the best hospitals in Pattaya. Had a few questions. 1) Does health insurance cover 100% of the bill or are there non payable medical items that are not covered. 2) Is there no claim bonus for every claim free year. 3) PED is covered after how many years. Please cover a few hospitals too, don't visit them, just on feed back. Thanks Trev & Jack.
Buzz & Jack: You talked about Pattaya in 1987...I was there in 1968!! Stationed at Utapao. Pattaya was nothing but one road going down to the beach from Sukumivit around beach and back out to Sukumvit! There was one hotel...the Nipa Lodge! There were a few run down bars up on the Beach Road next to the cliff, just below the hotel. There was another hotel on the cliff above called the Royal Cliff Hotel. I built a house up in BamSuray but I can't find it on Google maps. I sold it to a guy in the New Zealand Embassy. I've been trying to get over there from Seattle since November. Probably end up staying. I can't believe Pattaya today??!!? I also am Retired military and my health insurance is covered 100% by the U.S. gov't anywhere in the world. But I don't know how to prove it on paper to the Thais? I'm sure I am not the first? I'll figure out this mess. They change rules faster than I change my underwear!
Hi. Jack twice mentioned a medical would be needed prior to being insured. But did not elaborare on what that involved, or more to the point if someone failed the medical. Woukd that mean they would not be insured, and also what would that then mean when that person went to renew their retirement visa without having any insurance.
I believe what he said is that you would be able to buy a policy with exclusions for pre-existing conditions. I was 62 when I bought my policy and I think it had an automatic 2 years of exclusions for cataracts and in my case, kidney stones. Of course that leads to the question as to what exclusions would lead to not getting a visa extension.
The medical requirements vary from xompany to company but the insurer my Brokerage uses most insists on a medical for all new applicants afe 65 and over. It is a very comprehensive medical. Taking about 4hours and costing about 8,500 baht. (Up to 7,500 baht will be refunded if the policy is taken up Failure to pass the medical means we will have the to look at alternative oo
1:55 If your blood pressure is 140 or above, Thai health insurance will NOT cover you for heart attack and strokes !!! Well, there goes my plan to move to Thailand for better health insurance ! I already have hypertension, a-fib, valve problems and obesity. What I don't like about health insurance in the U.S. is not everything applies to your deductible (you will not know until they bill), the hospital will not tell you in advance what a procedure will cost... you can do everything right and still get wiped out financially.
Brilliant info 👍Got to be the most important thing for those wanting to live in Thailand..Health Insurance ..end of ..oh and money that isn't going to run out 😁
I'm sure people will always come to retire here. However, with the recently introduced minimum income, and amount required to be held in a Thai bank account, and now compulsory health insurance, retiring here will be off to people living on just a state pension. The UK state pension doesn't even meet the current minimum income requirements. Or are there ways around the minimum income and amount to be held in a Thai bank account?
Sadly you did not inform people correctly, I have lived here for 35 years from the uk, neaver had an insurance got blacklisted because I hade gout, I hav used government hospitals with great success, Evan had sepsis 3years ago it was a bit expensive 17000 baht, but I went last month for my six monthly kidney check up it cost just 200 baht including blood test, it helps to have yellow ID card, it would be kind if you advised, they are not all kind but the two I use are wonderful, but my local hospital is more expensive maybe because they just built a new hospital when it was an olld hospital it was fine, you have to make sure that you sign in as an expat with yellow card, I enjoy your show larry.
Does the insurance company change their guideline regarding blood pressure when you are 65? The American Heart Association sets the guideline at 140/90 for less than 65 years of age and 150/90 for 65 and over.
Have they lifted the insurance requirements since this video first was made? I am a Canadian citizen so have health care covered. Do I need any further insurance to travel to Thailand now that co-vid has backed off? When I came to Thailand in the past I was not asked to show any proof of insurance. Has the policy reverted back to that?
Very useful information and advice here Trev. While we're on the subject of health i was lucky to have my first Covid jab this week with my second due on the 10th of May. What, if any chance do farangs have of getting the vaccine in Thailand? and Thais for that matter
As an Croatian ,can i make insurance online thru mr.Jack Levy hands cause i got my two shots of Pfizer vaccine already and i plan to come in 3rd quarter, iff Thai goverment lift carantine for vaccined people?
I have hypertension but when i visit a Hospital my BP is always normal as i take a daily pill for it .When i lived in Thailand i admitted to Hypertension but maybe i should have stayed quiet and could have gotten away with it .My HP medication did not require a Doctors prescription in Thailand but originally did back in Ireland .Anyway i only had one Hospital stay of 2 nights over many years in Thailand which was covered as it did not involve anything to do with the heart .
Your medicine is doing its job and controls your blood pressure. But i am informed by many medical practitioners that hypertensoon is with you for life. Keep taking the tablets.
@@jacklevy2982 Yes ,i only need take a small amount daily of 5 mg ,and have done for the last 15 years .I did try stopping for a week as an experiment but the BP did shoot up again .
@@jacklevy2982 someone who is obese and on medication who decides on a lifestyle change, loses a tremendous amount of weight, comes off all medication is not stuck with hypertension for life, as you say...
Great interview Trev, Jack seems like a nice guy. One question I had, if you have a motorbike accident and haven't got a licence (so none from your home country and don't have international driving licence), will they still cover your medical claims under a health policy?
Technically no cover because you are breaking the law. In reality, if the insurer does not ask the correct questiins, you are not committing any crime by not colunteering this information.
But with the new rules recently introduced, when you next go to the Embassy seeking a Certificate of Entry, will it be acceptable? If you do try. Please let me know how you get on.
can you ask Jack or friends that after Covit 19 has finnished and back to travel by air and you have a years visa then go and come back in the country do you have to show insurance cover like Jack sayes or your bank statment that you have the cash in the bank? There will be problems with the goverment trying to get older people to retier here because they could spend all thier cash on a Thai property then get high blood presher and then no insurance or any other health problems .
Here is some of the Info I would have liked to seen covered but wasn’t:- 1) Only Private Hospitals want to take you vitals ( height, weight & BP) when you first enter & it goes on the Bill but you can just tell them you don’t want it & they except that. It never happens in Government Hospitals. 2) There has been a lot of talk about making health insurance compulsory for “O” type visas but there was also talk about giving the option that you could show the same amount of the minimum money you need to be insured for in the Bank over & above what you need for your visa & Government Hospitals are a third of the cost of Private ones. So if you self insure there are no exceptions & you know it will pay out as you are the Fund Manager. In addition in most places the same specialist/surgeons treat/operate on you if you go to a Private or Government Hospital 3) How many guys who come here from Western Countries don’t realize that if you have a vehicle accident here they could be liable to pay the medical bills of third parties who are injured or blood money to the family of any killed but not a word about this. No matter what type insurance you get it all covers Third Party & a Bail Bond for you or who was driving your vehicle. What happens when you go down the levels is you get less cover for your vehicle that is why the recommend Type 1 for vehicles under 5 years old, Type 2/2+ for vehicles between 5 & 10 years old and Type 3/3+ for vehicles over 10 years old. I insure my 16 yo Ford Ranger pick up Type 3+ & it still covers medical bills & Blood Money of 3rd Parties pretty well & also a Bail Bond whoever was driving it. To see what you get covered just click on the clink, scroll down to near the bottom & then click on the Type for Car or Motor Bike & it will come up. www.roojai.com/en/car-insurance/?gclid=CjwKCAiA1eKBBhBZEiwAX3gqlxkCYRt4zC3Tp8jeImYU-PpZueQGVcKzj9DUSE3x6UxtXAB2MAY3BhoCzQoQAvD_BwE
@@Buzzinpattaya I think would be useful to explain the fact that you can be held responsible for medical bills & to pay blood money of 3rd Parties if you have a road accident & the Government Por Ror Bor insurance doesn't cover much. Like most of the lessons I learnt about Thailand I learnt this the hard way. It be about 17 years ago & I knew nothing about this till my Ex hit 2 people who were on a motorbike putting them both in hospital. Of course I kept my Farang face well hidden but still she (which meant me) had to pay hospital bills till they agreed a one time settlement & I will tell you what my Ex said to me. She said it would have been better if they died because it would have been cheaper. She was a lovely Girl. I can't remember how much it all cost now but it was not cheap. Another example is Clive Everall & I am not having a go at him because like so many because we don't have things like this in the West he probably didn't know but it's not expensive to insure against. For a motorcycle up to 150 cc I think it is around 2,500 a year for Type 3+ insurance & my old Ford Ranger Type 3+ insurance is around 6,000 a year. Had Clive had Type 3+ insurance it would have solved his problems as it would have covered the blood money & his bail bond but instead he is begging for 10,000 Pounds on Go Fund Me & raised 4,384 to date. www.thaiexaminer.com/thai-news-foreigners/2020/02/15/uk-man-clive-everall-thailand-family-pay-compensation-motorbike-accident-uttaradit/ www.gofundme.com/f/ukcsz-help-me-get-home
When I was in the US I paid my health insurance policy monthly. Now, living in Thailand, I pay one yearly sum at the start of the policy. I think that is common so that is one of the questions to ask when shopping.
@@jacklevy2982 Hi jack Trev is excellent loved the videos I'm in Syd at the moment long time traveler to Asia well over 40 years back when travel opens up again yes will be in touch cheers.
Tried getting in contact with Jack but no reply. Just wanted to ask if there was an insurance policy that protects my deposit on a new build that’s going on at Gran Solaire.
I do not think so That is more the job of a lawyer. We have no record of you trying to contact us earlier. Though many people have. Please check you cooied the details correctly.
hey guys out of topic question just wondering during this time we are in can u guys still pay bar fines and find freelancers or its all gone until the situation is over with thanks sorry for the interruption
Great information mate cheers , My bank covers me for travel and medical insurance so hopefully I wouldn’t have a problem on Entering the Kingdom in 2030 lol.
It would help leople if they took out their insurance policy while they were healthy and maybe younger, rather than waiting till they are older and in deteriorating health.
I get holiday insurance for a month before I travel, I pay a bit for it and I think I, m covered for 1 million of hospital treatment, no intension of living there but as the years go by I am thinking of maybe 3 or 4 months a year there, any advice would be appreciated mate, so would it be better to just get insurance in the U.K. or have a word with jack !
My understanding is that if you originally arrived on an OA visa but are getting yearly extensions based on being married to a Thai citizen (not extending as retired) then you do not need health insurance as a requirement for the extension. Is that correct? Even if you don’t need health insurance for the extension that doesn’t mean you shouldn’t have health insurance but you may have more options regarding insurance companies and it makes the immigration process a little easier.
I am in the above 55 below 60 age bracket and I'm guessing there are a lot of guys in our age group that have high blood pressure that's controlled with medication....does that mean if I get insurance they won't cover me in future if I have a heart attack or stroke?
Good point.Im on medication for that.Ive always been wary of insurances.I think its better to pay a bigger premeium,than a cheaper option.As I think they would pay out quicker.Some people say,my CC is my insurance cover,as I pay for my flights with it.😁😁😁.Try claiming on it,I say.
Possibly but not necessarily. Sometimes they eill not cover the causes of hypertension but will cover the consequences such as heart attacks and strokes. This is determined by the underwriters.not by me, and they look at medical records snd your application before making any decision
What about prexisting condition ie: heart attack before.If they won't cover you why waste money on insurance as most look for any reason not to pay out.Seen it many times.One case a man had a bill for 3000000 he claimed and was given 100.000 only.It went to court.The judge told the insurance to give him back his policy premium less what he had already used.He had to pay the bill his self.
Good advise to anyone takeing a blood test.Us to first sit in the chair upright, the take deep breath for several minutes before the test.Your blood pressure will drop considerably.Highly recommended.
At the time of writing this there is a list of about a dozen health insurers approved by Thai immigration for those applying for retirement visa. These all have offices in Thailand. If your American insur9is not on the list you will need to supplement it with an approved one.
I was thinking about a retirement visa but the wife says we have to keep it under 3 months. So I thought stay a month then go to say Vietnam for a few days then come back.
@@Buzzinpattaya thank you for your reply is discord an insurance company Also how easy for me to get a Thailand pass I am not to good on a computer thank you buddy
Thai immigration officials are notoriously fastidious when it comes to paperwork, and will only accept policies from certain providers. this is off the thai embassey website but it doesnt say you cant get from your home country
The policy from your home company has to be signed by two directors of that insursnce company as guarantor s ,not easy On arrival you still have to take out a Thai policy.
In some cases it covers most type of illnesses and accidents. Some do not cover motor bike accidents. Some card insurances require you have to have paid your ticket to Thailand using a gold or platinum cars and a percentage of your travel expenses. Insurance varies from brand to brand. I have heard Amex Platinum is the best.
The card will give enough cover for medixal expenses but it is a requirement when you enter the country that you possess at least the minimum insurance as required by law
What happens if you have a coronary artery score of 24 (CAC score) but your cardiologist has discharged your from their care as you are not a high risk (50 year old)?
Hi! CAC 0 is normal score, 24 high score but it depends. A CAC score of 50, for example, may be unusually high for a 40-year-old woman without other CHD risk factors, but unusually low for a 70-year-old man with hypertension. Then you might be eligible for a 15% discount at Siam F. for their pre-paid services. www.siamfuneral.com/
I am an insurance broker and not qualified to answer that question. If you would care to complete an application form then i can find out yhed snserr for you3
We have to remember insurance companies is there to make profits and give good commissions to its agents. They are not gullible charitable organizations. They use the small print in the contract to reduce their risk and preexisting conditions must be declared. I have experienced to be stuck with a hospital bill due to hypertension in the Philippines. Fortunately Filipino hospitals is less expensive so no problem. I have Government insurance covering preexisting conditions. Insurance companies do want me as a customer, they know their insurance will be worthless for me, but they make 50,000++ Baht a year selling me a worthless insurance. LOL! DO NOT RETIRE IN THAILAND IF YOU HAVE PRE-EXISTING CONDITIONS!! Thai hospitals is very expensive. Better retire in a country with free health care. If you get very sick in Thailand try to travel home. Retirement visas implemented in 2020 require you most have insurance from a Thai immigration approved insurance company. This will significantly reduce the number of retirement visa applicants since they are not qualified or it become too expensive. Fortunately, you can still come here on holiday with Government insurance many of us already have.
I heard an interesting insurance discussion about expats who think they can depend on their national health insurance back home. If you get a cancer diagnosis then you may have plenty of time to return home. But if you have a stroke or an accident you will be treated in a Thai hospital and you may not be able to fly home because the airlines can refuse to let you fly if you are not fit. You would be liable for the Thai hospital bill. For those just traveling here as tourists there are policies to cover health expenses including transportation back home.
@@martypoll My Government insurance is valid world-wide and I have been admitted six times to hospital in Asia and I was covered. Some government insurances is limited to the home country or an organization of countries (EU). Important to check before you leave and also the hospital web-sites what type insurances they accept. My insurance is very welcome since it is valid also for pre-existing conditions. MANY have hypertension due to tons of reasons, so they get stuck with the bill for heart problems, stroke, etc. If you get cancer the choice is easy, GO HOME. In my expat associations we have members who have no other option than to go back to Europe due to health reason. I consider moving to Spain, Portugal, Italy, or Greece where it is no problem with an EU insurance, immigration, or whatever. Anyway, thanks to the new Thai Immigration requirements many who want to retire in Thailand will not eligible for retirement visa due to medical conditions or age (Above 75 years).
@@leejett7820 LOL, it might look like a scam business, but it is a perfectly legal business. They have to earn money to pay for medical expenses for the few they legally are obligated to pay for. If you are not eligible do to the fine print, they do not pay. I felt scammed in the Philippines where I had a private insurance from Fortune Care, they refused to pay because I had hypertension. They are right, and I have been naïve trusting their glossy brochures and smooth talking agents who id not tell me most men in my age, if they have a few kilo to much weight, have hypertension. If you not eligible for an insurance do not go to Thailand unless you have millions in the bank. Everyone can get sick or have an accident. The new insurance demand for retirees will significantly reduce new retirement visa applications. In a few years the hospitals will complain they have no retired customers, the backbone of their low season business. The hospitals will wish to go back to the good old days, where the old-timers had 800,000 Baht in their bank account, instead of a few insured people with insurance companies who scream they refuse to pay due to pre-existing or hypertension.
@@martypoll In this case just make sure you have good travel insurance. In my country you can get travel cover for 6 month duration a pop. Turn round at the airport and come back and you have another 6 months. That is if the planes are flying though
If you have no blood pressure issues when you initially take out the policy, it cannot be added on at a later date. Unless off course you were not truthful when you filled out the original application and the poor,old insurance company found out To reiterate The insurance company and you enter into a contract based on the state of your health the day your policy starts. After that date the Insurance company annot change the terms.conditions or exclusions UNLESS You misled them on the application form.
🦩I know everyone need health insurance specialty when we get older and all the sickness caught up with us BUT, insurance it’s a BIG scam all over the world. ISN’T???¿🤬
I am a US citizen and had health insurance there for 40 years. I never had any really serious health claims but otherwise they always paid what they were supposed to pay. It can be expensive. I got my insurance at a reasonable price through my employer. There are good and bad companies. In general though, the average person in the US with insurance doesn’t have problems. However, my observation is that national health plans are a better system overall. If you come to Thailand from a country with national health insurance then I can imagine that the insurance market in Thailand can come as a shock.
@@martypoll I live in USA but planning to retire in Thailand with my age and health issues I’m afraid Thai government gonna make it harder. They want only healthy people there seems like.
Stumbled upon this oldie part 1 and part 2, a very informative series on health care insurance, thanks for sharing Trev.
Thanks mate
Hypertension is so common for Pattaya expats and tourists, especially for smokers, drinkers and overweight people.
Must be the eye candy lol
I thank you for this channel. Your videos are always informative and entertaining. You articulate clearly and your English is easy to understand even for such an old Finnish man. You have interesting guests. Keep doing what you do. Thank you.
Thank you very much!
Fantastic advice, I'm in my mid 50s fit healthy and regular check ups and my GP always does a second BP test because I always show a high reading first time and a normal 5 min later
Trevor you are the leading force for great information on such a broad range of topics, well done 👍👍👍
Thanks Mark, I try my best and more other info to come
You have a great G.P.
I wish others were so understanding
Very good advice.
Also before you check in at Registration sit down quietly for 10 mins as for any and all visits they will take BP and vital signs.
Yeah defo relax first
That works
Super important information for me and all soon to be Expats in Thailand/Pattaya.
Thanks.
Glad it was helpful!
i already take medication for hypertension...and have declared it to my insurance company
Fair play that
I am mildly hypertensive and on medication and am stable enough to have a pilot license medical. Always declare Hypertension on your medical insurance application
Good advice there mate, thank you for sharing
Yes. Wise words
My health tends to improve when I am there. I normally eat a bit healthier and avoid fast food, plus I do alot of walking which helps keep the weight off. Drinking in moderation is the key
nice one mate.... most people it's the other way around lol
"Window shopping", words from a wise man... I've been going to Pattaya since the late 80's, glad to see another old timer ;)
Love a bit of window shopping, I just need the strength to in go in and buy lol
Come in for a coffee and we can reminisce
i think the message here is to go to the doctor when you are healthy and get your blood pressure and blood work done.
Yeah good shout
The message here is to get insurance while you are healthy.
You do not ask for car insurance after you crash.
But if you are gaving a blood pressure reading taken, and it is 140 or above, try to relax for a few minutes and ask for a second reading.
Reputable insurers expect a highet reading if you are in considerable pain.
And your insurance in place before problems start creeping 5
And your insurance in place with no exclusions
Thanks great video, I was looking for a insurance company in Pattaya, Thanks for the help.
welcome mate
I have known about the high blood pressure problem as i suffer with it and have had to include it when buying travel insurance for many years now. Amazing how people can get caught out so easily by not knowing.
Yeah, very true that mate
Its the same with travel insurance. I have a slipped disk and used to declare that as a pre-existing medical condition. I noted that high blood pressure was an option. Previously, the question was "have you had a high blood pressure reading in the past 5 years". Now the question is have EVER had a high blood pressure reading. If so, you need to declare it and pay a premium.
Thanks for sharing this
yeah i got the covid cover 90 days from the UK at 6.5k bhat, as well as my travel insurance on top again here in the UK 90 days £75, the covid cover i used the GOV web site of Thailand i believe you cannot have enough insurance when travelling, we are lucky here in the UK with our free NHS its a god send really especially when you are over 60
Very lucky as here mate, as you probably know, no insurance and it's a dangerous game as they ship you off to a government hospital
That’s a real good peace of advice about the high blood pressure 👍👍
Cheers mate
A patient is within his rights to refuse any treatment outright - including a blood pressure test. Simply decline the test if it makes you nervous and if it has you worried, get your blood pressure tested elsewhere in a place that won't ask for ID or keep shareable records. Many clinics and dentists will take your blood pressure in Pattaya and only ask for a name without ID. In most instances, many of the tests done in hospitals are simply a means of increasing the bill anyway. This I assume is the product of so many Thai doctors having exposure to the US health care system, where running batteries of unnecessary tests is completely normal.
Thanks for sharing
I know of people who claim to have their own blood pressyre kits at home and give the hispital the reading they had taken that morning.
One’s blood pressure should also be measured consistently i.e. in the same way. For example sitting for 3 minutes then measured v being rushed painfully to hospital, navigated through a busy waiting zone and immediately getting the blood pressure measured are unlikely to give comparable results. The heart rate and breathing rates are also likely to be affected. If possible, try to ensure the pressure is a sitting blood pressure after 3 minute wait. This assists the physician and the insurer by providing accurate, comparable information.
Fair shout
Good point about funeral cover there Trevor. My travel insurance covers repatriation costs back to the UK. I'm surprised he doesn't provide an insurance product to cover such an eventually as it must occur reasonably often.
Yeah did make me wonder lol
WOW Blood pressure. Valuable info thank you. Kiwi NZ
indeed
Great interview with Jack Trev some great advice... Hypatension blew me away... something i will remember in the future... I will be contacting Jack on some Insurance Quotes🙏🙏👍👍👍😷😷
Glad you enjoyed it!
The problem here, regarding the hypertension is that in Thailand one can consume a reasonable amount of alcohol, a lot of salt in the meals, this in itself can cause hypertension so there may be no cardiovascular condition its purely down to alcohol and salt. Once the alcohol intake stops then the BP should resume to normal levels, If you are on Hypertensive medication that has been prescribed by a GP then you are hypertensive as a medical condition, otherwise it could be classified as transient hypertension.
Living with my misses gives me hypertension more than anything else lol
For well over 5 years now nobody would be labelled as hypertensive ( raised blood pressure) based on individual readings done in a GP surgery or hospital setting . What is done now is the GPs practice nurse will attach the patient to a machine which they go home with and it measures their blood pressure at home at least every hour then 24 hrs later they go back to the surgery and all the readings (20 to 30 readings)are looked at with an average worked out and if the average is above the defined limit only then are they labelled as having hypertension and offered blood pressure medication.This is called ambulatory blood pressure monitoring.
Thanks for sharing
Another great,very informative interview..invalueable info.
Glad you enjoyed it!
Another great interview, he was very informative. I wonder is the hypertension insurance issue is something that applies for just Thai insurance companies or is that a standard across the world?
Furthermore I think somebody in that interview knows all of Pattaya's nooks and crannies better than most. I suspect old Jack has had more girls barfined in his time than insurance policies, he's written!
lol, I expect he will keep that a secret lol. I am not sure on hypertension but sure Jack will clear this up
Hypertension issues are taken serious workdwide as it can ve a kife threatening provlem.
And you are only as "old"as you feel 555
@@jacklevy2982 Thank you Jack for your advice, you have been very helpful. I hope I bump into you in a bar one day, I've ventured to Thailand on many tours but I have no doubt you could teach me something. All the best to you.
I have white coat hypertension and when I went to get my health check for my Australian student visa the doctor took my blood pressure and it was something like 190 and she said I was close to having a heart attack, we listened to Bob Marley and talked about movies for 20 minutes and then it went down to normal. I didn't know I had white coat hypertension till I got home and told my Mom and she told me I did.
Didn't help that the doctor was one of the most beautiful women I've ever seen in my entire life 😂
wow thanks for sharing
Don't forget the annual increases and the 5 year age bracket increases. When I first came here in 2015, I couldn't get insurance to cover my pre-existing condition, e.g. I had a stent inserted in 2008 at age 47 as I overexerted myself, so I self insured, then a broker found me an insurer 2 years later and it started off at 58,000 baht per annum at 58 which covered my pre-existing condition, by the time I turned 61 three years later, it went up to over 140,000 baht per annum, never had a claim. All my blood pressure tests have always been on, or just under 120/80, all my blood tests have been perfect, I have never had another incident since 2008, done two stress test at 5 year intervals and passed with flying colours, not overweight, eat clean food and exercise daily, don't smoke, don't drink, but unfortunately insurers put us all in the same basket, i.e. high risk, so I am back to self insuring as I can easily afford it, but that's besides the point, that said I now put 250,000 baht aside into a separate account so as to stay ahead of what policies would have cost me, and if I do have an incident before I can build it up to around 2 mil, then I will just pay it out of my pocket. Not much else one can do if insurers can't see the light.
Very interesting especially as I am currently looking into insurance now having self insured the last ten years. They are quoting me 68k a year aged 55 and zero previous conditions
@@Buzzinpattaya To me it's a must to have private health insurance if you are abroad, that said, nothing wrong with self insuring if you have the backing, as mentioned, I do, however, that's why we insure, to protect our backing for the annual premium, that said, what I would do if I were you, us look at what their age bracket increase are, for example, 55-60, 60-65, 65-70, some work a little different, 54-59, 60-64, 65-69 and so on, also add around 10% per annum for overall increases to your premiums, I say that because they used to nudge mine up every year at around 8%, but I'm sure there will be a few people opting out as premiums, both annual and aged bracket increases will effect people with the mess we are (inflation) and they will have to make up the numbers from the losses to be profitable. That said, if you have self insured for 10 years and have that stash in an account, your ahead of most, and if you do continue to self insure, I would suggest you increase what you have been setting aside by 100k baht per year, like I said, I am putting 250k baht a year aside, that's a little above the 140k + that they wanted last premium renewal, that is when I said, enough gauging. Good luck.
Thanks for a fantastic and informative video, this was my request a few days back with a recommendation of the best hospitals in Pattaya. Had a few questions. 1) Does health insurance cover 100% of the bill or are there non payable medical items that are not covered. 2) Is there no claim bonus for every claim free year. 3) PED is covered after how many years.
Please cover a few hospitals too, don't visit them, just on feed back.
Thanks Trev & Jack.
Geeat questions and I am sure Jack will answer these..... and yes a good video topic
We can answer all these if you email me
Different insursnce companies have different options
@@jacklevy2982 Thanks shall do so.
@@jacklevy2982 hi Jack. Do your policies just cover you in Thailand. For instance when I’m there I travel around Asia and spend a month here or there.
Cheers Trevor, very informative. I have emailed them for a insurance quote for my next visit.
Nice one mate, all the best
Neil
No email received yet
jack@macallanbroker.com
Buzz & Jack: You talked about Pattaya in 1987...I was there in 1968!! Stationed at Utapao. Pattaya was nothing but one road going down to the beach from Sukumivit around beach and back out to Sukumvit! There was one hotel...the Nipa Lodge! There were a few run down bars up on the Beach Road next to the cliff, just below the hotel. There was another hotel on the cliff above called the Royal Cliff Hotel. I built a house up in BamSuray but I can't find it on Google maps. I sold it to a guy in the New Zealand Embassy. I've been trying to get over there from Seattle since November. Probably end up staying. I can't believe Pattaya today??!!? I also am Retired military and my health insurance is covered 100% by the U.S. gov't anywhere in the world. But I don't know how to prove it on paper to the Thais? I'm sure I am not the first? I'll figure out this mess. They change rules faster than I change my underwear!
WOW thanks for sharing
What if you take blood pressure medicine does that mean you couldn’t get coverage?
Maybe ask Jack direct mate
No, but it means that you may have exclusions on your policy because of a pre-existing condition.
Congrats on your growth. You are doing great 👍
Thank you so so much......
Hi. Jack twice mentioned a medical would be needed prior to being insured. But did not elaborare on what that involved, or more to the point if someone failed the medical. Woukd that mean they would not be insured, and also what would that then mean when that person went to renew their retirement visa without having any insurance.
I believe what he said is that you would be able to buy a policy with exclusions for pre-existing conditions. I was 62 when I bought my policy and I think it had an automatic 2 years of exclusions for cataracts and in my case, kidney stones. Of course that leads to the question as to what exclusions would lead to not getting a visa extension.
For clarity maybe ask Jack directly
The medical requirements vary from xompany to company but the insurer my Brokerage uses most insists on a medical for all new applicants afe 65 and over.
It is a very comprehensive medical. Taking about 4hours and costing about 8,500 baht.
(Up to 7,500 baht will be refunded if the policy is taken up
Failure to pass the medical means we will have the to look at alternative oo
Another excellent video.. and it clears up a few of my insurance questions..
Perfect
Great video should I ever try and stay in Thailand.
Go for it mate......
1:55 If your blood pressure is 140 or above, Thai health insurance will NOT cover you for heart attack and strokes !!! Well, there goes my plan to move to Thailand for better health insurance ! I already have hypertension, a-fib, valve problems and obesity. What I don't like about health insurance in the U.S. is not everything applies to your deductible (you will not know until they bill), the hospital will not tell you in advance what a procedure will cost... you can do everything right and still get wiped out financially.
indeed
Good advice and spot on about covid and when Thailand Might get back to normal
Cheers
It’s great getting old trev .😀.basically 50 and over its game over.
hahaha behave mate, am 54 and my life has only just started hahahahahah
Nothing a blue pill and other 'help' can't easily fix!
12:45 In the U.S. we call funeral or death insurance Life Insurance, which is a completely separate policy from health insurance.
Thanks for sharing
Brilliant info 👍Got to be the most important thing for those wanting to live in Thailand..Health Insurance ..end of ..oh and money that isn't going to run out 😁
Thanks mate
Considering the retirement age in most western countries is over 60, and increasing, it looks like retiring to Thailand won't be possible.
Definitely not easy
Why not?
We are getting enqu8ries every day and people are still coming to retire here.
It is all in the preparation and determination
I'm sure people will always come to retire here. However, with the recently introduced minimum income, and amount required to be held in a Thai bank account, and now compulsory health insurance, retiring here will be off to people living on just a state pension. The UK state pension doesn't even meet the current minimum income requirements. Or are there ways around the minimum income and amount to be held in a Thai bank account?
Really good video great information thanks mate
Glad you enjoyed it
very helpful.. thank you..
Glad it was helpful!
Sadly you did not inform people correctly, I have lived here for 35 years from the uk, neaver had an insurance got blacklisted because I hade gout, I hav used government hospitals with great success, Evan had sepsis 3years ago it was a bit expensive 17000 baht, but I went last month for my six monthly kidney check up it cost just 200 baht including blood test, it helps to have yellow ID card, it would be kind if you advised, they are not all kind but the two I use are wonderful, but my local hospital is more expensive maybe because they just built a new hospital when it was an olld hospital it was fine, you have to make sure that you sign in as an expat with yellow card, I enjoy your show larry.
Thanks for sharing your experience
Does the insurance company change their guideline regarding blood pressure when you are 65? The American Heart Association sets the guideline at 140/90 for less than 65 years of age and 150/90 for 65 and over.
The Thia Heart Association sets whatever they feel like at any specific date :)... It is variable !
Hmm, need Jack to answer this
Thanks. I never knew that!!
Have they lifted the insurance requirements since this video first was made?
I am a Canadian citizen so have health care covered. Do I need any further insurance to travel to Thailand now that co-vid has backed off?
When I came to Thailand in the past I was not asked to show any proof of insurance. Has the policy reverted back to that?
I believe so
@@Buzzinpattaya Thanks so much for the update.
Excellent over the age we are all stuffed it's just about the money for instance for all cannot live without it.
true that
Again, many of the problems to do with hypertension would not arise if a reasonable health policy would have been taken out earlier.
top info , always give us sound advice
Glad to help
Very useful information and advice here Trev. While we're on the subject of health i was lucky to have my first Covid jab this week with my second due on the 10th of May. What, if any chance do farangs have of getting the vaccine in Thailand? and Thais for that matter
Thanks mate glad you enjoyed it. I am not sure on vaccinations here, nothing has been said
As an Croatian ,can i make insurance online thru mr.Jack Levy hands cause i got my two shots of Pfizer vaccine already and i plan to come in 3rd quarter, iff Thai goverment lift carantine for vaccined people?
Will leave this for Jack to answer
Yes
We normally set up the required insurance by email
Do I need insurance,before I fly .or can I apply when I arrive?
You need it before you fly.
Check with the Thai Embassy as to what documentation you must produce in order to get yoir Certificate of Entry.
As Jack said
I have hypertension but when i visit a Hospital my BP is always normal as i take a daily pill for it .When i lived in Thailand i admitted to Hypertension but maybe i should have stayed quiet and could have gotten away with it .My HP medication did not require a Doctors prescription in Thailand but originally did back in Ireland .Anyway i only had one Hospital stay of 2 nights over many years in Thailand which was covered as it did not involve anything to do with the heart .
Your medicine is doing its job and controls your blood pressure.
But i am informed by many medical practitioners that hypertensoon is with you for life.
Keep taking the tablets.
@@jacklevy2982 Yes ,i only need take a small amount daily of 5 mg ,and have done for the last 15 years .I did try stopping for a week as an experiment but the BP did shoot up again .
As Jack said.... good on you mate
@@jacklevy2982 someone who is obese and on medication who decides on a lifestyle change, loses a tremendous amount of weight, comes off all medication is not stuck with hypertension for life, as you say...
Great information and advices 👍✨
Thanks mate.... welcome
Thank you
I have a question if I’m coming to Thailand for a 3 month stay, can I buy a COVID or medical policy for just that period?
Please email Jack directly
We currently have annual policies that can be paid quarterly. So if aftet three months you leave Thailand....
No need topay any more.
Great interview Trev, Jack seems like a nice guy. One question I had, if you have a motorbike accident and haven't got a licence (so none from your home country and don't have international driving licence), will they still cover your medical claims under a health policy?
Good question, will need Jack to answer this one off
Technically no cover because you are breaking the law.
In reality, if the insurer does not ask the correct questiins, you are not committing any crime by not colunteering this information.
Hi I can't find the link to ask a question . Where would I find it?
here ya go mate, it's in the description - Contact Jack - jack@macallanbroker.com
i may have missed it but is there a link to jacks company for insurance ?
Contact Jack - jack@macallanbroker.com or visit their website www.macallanbroker.com
Call me 081 624 2702
This is very informative 🙏
Glad it was helpful!
I pay £60 a year for world health insurance, but it only covers you for 90 days travel per year.
No age limit or medical needed.
nice
But with the new rules recently introduced, when you next go to the Embassy seeking a Certificate of Entry, will it be acceptable?
If you do try. Please let me know how you get on.
can you ask Jack or friends that after Covit 19 has finnished and back to travel by air and you have a
years visa then go and come back in the country
do you have to show
insurance cover like Jack sayes or your bank statment that you have the cash in the bank?
There will be problems with the goverment trying to get older people to retier here because they could spend all thier cash on a Thai property then get high blood presher and then no insurance or any other health problems .
Good question, let's wait for Jack to clarify this
Sorry
I cannot guess when or if Covid eill ever finish
And i have given up trying to second guess the Thai government.
Here is some of the Info I would have liked to seen covered but wasn’t:-
1) Only Private Hospitals want to take you vitals ( height, weight & BP) when you first enter & it goes on the Bill but you can just tell them you don’t want it & they except that. It never happens in Government Hospitals.
2) There has been a lot of talk about making health insurance compulsory for “O” type visas but there was also talk about giving the option that you could show the same amount of the minimum money you need to be insured for in the Bank over & above what you need for your visa & Government Hospitals are a third of the cost of Private ones. So if you self insure there are no exceptions & you know it will pay out as you are the Fund Manager. In addition in most places the same specialist/surgeons treat/operate on you if you go to a Private or Government Hospital
3) How many guys who come here from Western Countries don’t realize that if you have a vehicle accident here they could be liable to pay the medical bills of third parties who are injured or blood money to the family of any killed but not a word about this. No matter what type insurance you get it all covers Third Party & a Bail Bond for you or who was driving your vehicle. What happens when you go down the levels is you get less cover for your vehicle that is why the recommend Type 1 for vehicles under 5 years old, Type 2/2+ for vehicles between 5 & 10 years old and Type 3/3+ for vehicles over 10 years old. I insure my 16 yo Ford Ranger pick up Type 3+ & it still covers medical bills & Blood Money of 3rd Parties pretty well & also a Bail Bond whoever was driving it.
To see what you get covered just click on the clink, scroll down to near the bottom & then click on the Type for Car or Motor Bike & it will come up.
www.roojai.com/en/car-insurance/?gclid=CjwKCAiA1eKBBhBZEiwAX3gqlxkCYRt4zC3Tp8jeImYU-PpZueQGVcKzj9DUSE3x6UxtXAB2MAY3BhoCzQoQAvD_BwE
Good points and maybe if we do another update video we will cover this off....thank you for sharing
@@Buzzinpattaya I think would be useful to explain the fact that you can be held responsible for medical bills & to pay blood money of 3rd Parties if you have a road accident & the Government Por Ror Bor insurance doesn't cover much. Like most of the lessons I learnt about Thailand I learnt this the hard way. It be about 17 years ago & I knew nothing about this till my Ex hit 2 people who were on a motorbike putting them both in hospital. Of course I kept my Farang face well hidden but still she (which meant me) had to pay hospital bills till they agreed a one time settlement & I will tell you what my Ex said to me. She said it would have been better if they died because it would have been cheaper. She was a lovely Girl. I can't remember how much it all cost now but it was not cheap. Another example is Clive Everall & I am not having a go at him because like so many because we don't have things like this in the West he probably didn't know but it's not expensive to insure against. For a motorcycle up to 150 cc I think it is around 2,500 a year for Type 3+ insurance & my old Ford Ranger Type 3+ insurance is around 6,000 a year. Had Clive had Type 3+ insurance it would have solved his problems as it would have covered the blood money & his bail bond but instead he is begging for 10,000 Pounds on Go Fund Me & raised 4,384 to date.
www.thaiexaminer.com/thai-news-foreigners/2020/02/15/uk-man-clive-everall-thailand-family-pay-compensation-motorbike-accident-uttaradit/
www.gofundme.com/f/ukcsz-help-me-get-home
How much would u need monthly for 100k insurance and what is the premium ? In USD ?
When I was in the US I paid my health insurance policy monthly. Now, living in Thailand, I pay one yearly sum at the start of the policy. I think that is common so that is one of the questions to ask when shopping.
Please ask Jack direct
How old are you?
Premiums are age related
@@jacklevy2982 I venture at around age 62, 135.usd a month.......Just my input.
Trev so when I'm on holidays I can get motor bike insurance is that correct.
Best to check with Jack direct mate
Watch the first vlog.He speaks about that.
Call me
@@jacklevy2982 Hi jack Trev is excellent loved the videos I'm in Syd at the moment long time traveler to Asia well over 40 years back when travel opens up again yes will be in touch cheers.
Tried getting in contact with Jack but no reply. Just wanted to ask if there was an insurance policy that protects my deposit on a new build that’s going on at Gran Solaire.
Ah sorry... will ask him to take a look
@@Buzzinpattaya same with me, sent message to jack but never heard back 3 days ago
I do not think so
That is more the job of a lawyer.
We have no record of you trying to contact us earlier. Though many people have. Please check you cooied the details correctly.
hey guys out of topic question just wondering during this time we are in can u guys still pay bar fines and find freelancers or its all gone until the situation is over with thanks sorry for the interruption
Everything is still here as you need mate not to worry
Yes
But can negotiate the price down as the software is hungry (allegedly)
Fantastic advice,
Glad it was helpful!
Great information mate cheers ,
My bank covers me for travel and medical insurance so hopefully I wouldn’t have a problem on Entering the Kingdom in 2030 lol.
2030 lol, I hope it's sooner than that buddy
@@Buzzinpattaya Me too mate next year I hope but the way they talk sometimes it seems 2030 away lol
Check with the Thai Embassy re what is necessary to get a Certificate of Entry.
@@jacklevy2982 Thanks Jack I definitely will do.
Stopped at the 2min mark to go check myself... I'm close. Very close...
Wow
Great information 🙏👍🇺🇸
Glad you enjoyed it
Thank you 😊
What about PACIFIC CROSS HEALTH INSURANCE......
Am sure Jack will reply
Good company 👍
@@jacklevy2982 And a Lot of medical questions on the application. One of the strictest imho. But decent company
It would help leople if they took out their insurance policy while they were healthy and maybe younger, rather than waiting till they are older and in deteriorating health.
Sound advice
I get holiday insurance for a month before I travel, I pay a bit for it and I think I, m covered for 1 million of hospital treatment, no intension of living there but as the years go by I am thinking of maybe 3 or 4 months a year there, any advice would be appreciated mate, so would it be better to just get insurance in the U.K. or have a word with jack !
Speak to Jack mate to be on the safe side
@@Buzzinpattaya ok it can’t do any harm as he will no exactly what I need !
Health is wealth 😎🇨🇷🙏
Indeed
My understanding is that if you originally arrived on an OA visa but are getting yearly extensions based on being married to a Thai citizen (not extending as retired) then you do not need health insurance as a requirement for the extension. Is that correct?
Even if you don’t need health insurance for the extension that doesn’t mean you shouldn’t have health insurance but you may have more options regarding insurance companies and it makes the immigration process a little easier.
That's my understanding also though to be confirmed
Best to ask Jack direct
I am in the above 55 below 60 age bracket and I'm guessing there are a lot of guys in our age group that have high blood pressure that's controlled with medication....does that mean if I get insurance they won't cover me in future if I have a heart attack or stroke?
I am not sure, maybe as Jack direct
Good point.Im on medication for that.Ive always been wary of insurances.I think its better to pay a bigger premeium,than a cheaper option.As I think they would pay out quicker.Some people say,my CC is my insurance cover,as I pay for my flights with it.😁😁😁.Try claiming on it,I say.
Possibly but not necessarily.
Sometimes they eill not cover the causes of hypertension but will cover the consequences such as heart attacks and strokes.
This is determined by the underwriters.not by me, and they look at medical records snd your application before making any decision
I was declined Health Insurance with 4 company's for taking Statins.
wow hope ya all sorted now mate
My UK insurance policy only 5 pounds extra a year for including high blood pressure
Nice one
Normal 😲 yes in 5 year ,maybe .
I hope sooner
What about prexisting condition ie: heart attack before.If they won't cover you why waste money on insurance as most look for any reason not to pay out.Seen it many times.One case a man had a bill for 3000000 he claimed and was given 100.000 only.It went to court.The judge told the insurance to give him back his policy premium less what he had already used.He had to pay the bill his self.
Please contact direct
Good advise to anyone takeing a blood test.Us to first sit in the chair upright, the take deep breath for several minutes before the test.Your blood pressure will drop considerably.Highly recommended.
I have a premium American health insurance so Im good to go correct ?
So do I but it'd not good over seas
Do you mean coming to Thailand as a tourist or living here as an expat?
Best to ask Jack direct
At the time of writing this there is a list of about a dozen health insurers approved by Thai immigration for those applying for retirement visa.
These all have offices in Thailand.
If your American insur9is not on the list you will need to supplement it with an approved one.
I was thinking about a retirement visa but the wife says we have to keep it under 3 months. So I thought stay a month then go to say Vietnam for a few days then come back.
This is great advice
Cheers
But if you go to a PVT how will insurance get access to this info?
Need jack to dive in here
Insurance companies always can ger access 5o information
Have you just been talking about people who live there or the one month a year holiday maker like me, ???
Bit of both mate
Where's he located
Pattaya
Can I get insurance to cover me in Thailand
My insurance to buy in uk for 7days is more than the flights
I have Copd and I am 70
I would imagine yes check Discord we have dedicated channels in this platform
@@Buzzinpattaya thank you for your reply is discord an insurance company
Also how easy for me to get a Thailand pass I am not to good on a computer thank you buddy
Thai immigration officials are notoriously fastidious when it comes to paperwork, and will only accept policies from certain providers. this is off the thai embassey website but it doesnt say you cant get from your home country
True
The policy from your home company has to be signed by two directors of that insursnce company as guarantor s ,not easy
On arrival you still have to take out a Thai policy.
What about credit card cover ( platinum credit cards ) is this sufficient for general and covid ?
Ask Jack
In some cases it covers most type of illnesses and accidents. Some do not cover motor bike accidents. Some card insurances require you have to have paid your ticket to Thailand using a gold or platinum cars and a percentage of your travel expenses. Insurance varies from brand to brand. I have heard Amex Platinum is the best.
The card will give enough cover for medixal expenses but it is a requirement when you enter the country that you possess at least the minimum insurance as required by law
Thanks , unfortunately all insurance companies in Australia don’t cover Covid
People on the high end of the aging curve definitely get screwed
I guess leaving it too late is like jumping on the bus just as it it pulling in to the final destination.
Unless they took out insurance at a younger age
What happens if you have a coronary artery score of 24 (CAC score) but your cardiologist has discharged your from their care as you are not a high risk (50 year old)?
Best to ask Jack
Hi! CAC 0 is normal score, 24 high score but it depends. A CAC score of 50, for example, may be unusually high for a 40-year-old woman without other CHD risk factors, but unusually low for a 70-year-old man with hypertension.
Then you might be eligible for a 15% discount at Siam F. for their pre-paid services. www.siamfuneral.com/
I am an insurance broker and not qualified to answer that question.
If you would care to complete an application form then i can find out yhed snserr for you3
I'm screwed
Hang in there
I had a dr with a very pretty blond nurse and he commented he was always retaking bp.
cheers
found your first video interesting, i have emailed 2 times regards cover but no replies, give him a nudge for me please
Sorry about that and yes, I have passed this on to him now. Apologies for this.....
Tony
I have not seen an email from you yet
Text me please
081 624 2702
We have to remember insurance companies is there to make profits and give good commissions to its agents. They are not gullible charitable organizations. They use the small print in the contract to reduce their risk and preexisting conditions must be declared. I have experienced to be stuck with a hospital bill due to hypertension in the Philippines. Fortunately Filipino hospitals is less expensive so no problem.
I have Government insurance covering preexisting conditions. Insurance companies do want me as a customer, they know their insurance will be worthless for me, but they make 50,000++ Baht a year selling me a worthless insurance. LOL!
DO NOT RETIRE IN THAILAND IF YOU HAVE PRE-EXISTING CONDITIONS!! Thai hospitals is very expensive. Better retire in a country with free health care. If you get very sick in Thailand try to travel home.
Retirement visas implemented in 2020 require you most have insurance from a Thai immigration approved insurance company. This will significantly reduce the number of retirement visa applicants since they are not qualified or it become too expensive. Fortunately, you can still come here on holiday with Government insurance many of us already have.
I heard an interesting insurance discussion about expats who think they can depend on their national health insurance back home. If you get a cancer diagnosis then you may have plenty of time to return home. But if you have a stroke or an accident you will be treated in a Thai hospital and you may not be able to fly home because the airlines can refuse to let you fly if you are not fit. You would be liable for the Thai hospital bill. For those just traveling here as tourists there are policies to cover health expenses including transportation back home.
Great comment thanks for sharing mate
@@martypoll My Government insurance is valid world-wide and I have been admitted six times to hospital in Asia and I was covered. Some government insurances is limited to the home country or an organization of countries (EU). Important to check before you leave and also the hospital web-sites what type insurances they accept. My insurance is very welcome since it is valid also for pre-existing conditions.
MANY have hypertension due to tons of reasons, so they get stuck with the bill for heart problems, stroke, etc. If you get cancer the choice is easy, GO HOME. In my expat associations we have members who have no other option than to go back to Europe due to health reason. I consider moving to Spain, Portugal, Italy, or Greece where it is no problem with an EU insurance, immigration, or whatever. Anyway, thanks to the new Thai Immigration requirements many who want to retire in Thailand will not eligible for retirement visa due to medical conditions or age (Above 75 years).
@@leejett7820 LOL, it might look like a scam business, but it is a perfectly legal business. They have to earn money to pay for medical expenses for the few they legally are obligated to pay for. If you are not eligible do to the fine print, they do not pay.
I felt scammed in the Philippines where I had a private insurance from Fortune Care, they refused to pay because I had hypertension. They are right, and I have been naïve trusting their glossy brochures and smooth talking agents who id not tell me most men in my age, if they have a few kilo to much weight, have hypertension.
If you not eligible for an insurance do not go to Thailand unless you have millions in the bank. Everyone can get sick or have an accident. The new insurance demand for retirees will significantly reduce new retirement visa applications. In a few years the hospitals will complain they have no retired customers, the backbone of their low season business. The hospitals will wish to go back to the good old days, where the old-timers had 800,000 Baht in their bank account, instead of a few insured people with insurance companies who scream they refuse to pay due to pre-existing or hypertension.
@@martypoll In this case just make sure you have good travel insurance. In my country you can get travel cover for 6 month duration a pop. Turn round at the airport and come back and you have another 6 months. That is if the planes are flying though
Hi, i dont think he gona go shoping, he gona keep drinking watching bar girl enjoy his time ect🌹🌹🌹💅💅💅😁😁😁
hahaha good man
Freedom of choice.
Typical insurance company, you pay premiums for 20 years then they refuse to pay if your BP is up a bit.
Yeah that is why Jack highlighted it
If you have no blood pressure issues when you initially take out the policy, it cannot be added on at a later date. Unless off course you were not truthful when you filled out the original application and the poor,old insurance company found out
To reiterate
The insurance company and you enter into a contract based on the state of your health the day your policy starts.
After that date the Insurance company annot change the terms.conditions or exclusions
UNLESS
You misled them on the application form.
Do you receive commission ? And if so why is your advice not bias ?
NO I DO NOT RECEIVE ANY PAYMENT thank you.... instead I try to find informative people to give you free solid advice !!!
What about tourists if they have to get expensive health insurance and covid insurance there very few will ever go there
And chinese vaccine roll our reported only 52 percent effective
Wow the blood pressure bit is a bit scary. I wonder if you could just say "I'd rather you didn't take my blood pressure for this visit" ???
haha yeah maybe
I bet you both have hypotension. 🤣🇬🇧
I have a Thai misses, of course I have it lol
🦩I know everyone need health insurance specialty when we get older and all the sickness caught up with us BUT, insurance it’s a BIG scam all over the world.
ISN’T???¿🤬
I am a US citizen and had health insurance there for 40 years. I never had any really serious health claims but otherwise they always paid what they were supposed to pay. It can be expensive. I got my insurance at a reasonable price through my employer. There are good and bad companies. In general though, the average person in the US with insurance doesn’t have problems. However, my observation is that national health plans are a better system overall. If you come to Thailand from a country with national health insurance then I can imagine that the insurance market in Thailand can come as a shock.
@@martypoll
I live in USA but planning to retire in Thailand with my age and health issues I’m afraid Thai government gonna make it harder. They want only healthy people there seems like.
It is one of those situations that you wish you had it when you need it!
Look like two book ends.
hahahaha that's the nicest thing anyone has ever said to me lol
@@Buzzinpattaya how would you feel if doing your walk around, you bumped into your daughter, or your niece, living that way?
What are you FLOGGING!