Everybody hates the idea of Insurance ,talking about it even ,thinking about it But it is a necessity of life this was very informative and very interesting. Thank you for another great video
Excellent video Daz! When I lived in Pattaya I didn’t have health insurance but I did have 1st class car insurance. I will need health insurance when I return and will go to Maccallan Insurance Broker to buy the proper insurance I need. Thanks again for this information.
Well done dad very useful informative video one of you best ones yet , there are many more important subjects over and above the price booze and a shag the next point to cover might be how to call for the police or an ambulance if one is needed I ve been coming here 20 years and still don't know see you on the next one
A lot of exparts self insure my friend has insurance but we live in the countryside he had a lung problem and had to go into a goverment hospital was in there 6 nights food pills everything 15.000 thb and he said he had great treatment
It was suggested that I get cameras for my car here in Thailand. Yes? Pacific Cross would only insure me excluding CVD and HBP - the 2 main causes of death for all people. So, I got a medical test showing normal BP and LDL and AIA insured me without restrictions.
If his favourite whisky is Macallan, he can't be all bad :-) I know someone who was seriously, and permanently, maimed on a bike in Thailand - lost his leg. Something to dwell on.
I also visited their office, everyone was so nice, filled up the form with Jack Levy the owner, they were to call me back the following week after sending my form to the insurance company and NEVER heard back from them... still living without insurance for now...
About 2 weeks ago i was renewing my SCB debitcard. They told me that card includes personal accident insurance. I did not ask what it covers since i have another wider insurance but maby for someone option to look closer. Annual cost for this debit card was something between 600-700 baht.
I had similar insurance with my Kasikorn debit card (5000 baht coverage). My first trip to Chiang Mai I fell out of bed and hit my head on a concrete floor. I went to the emergency room and got 5 stitches and a CAT scan. It was about 8000 baht. My Kasikorn insurance reimbursed 5000 a month later. I then purchased 50,000 baht coverage. It seemed like a good deal since I have a large deductible on my general health insurance. Unfortunately they don’t cover me now that I am over 65 years old.
Good information. Sadly for many retirees like me who are over 65 medical insurance costs over 120000 baht (before any deductible). For the non immigrant OA visa both inpatient and outpatient are compulsory.
@@robertgrey6101 That’s for a one year retirement visa. A good comprehensive travel insurance costs around $700 to $900 Australian Dollars for a period of 3 months with a $200 deductible.
John is definitely knowlegable. If I was to retire or even visit Thailand for an extended amount of time, I'd consider utilizing his insurance services.
I am wundering about prices Daz. It seems to go from 50.000 tb to.... But what can you Recommend? If you are living in Thailand and are 60+.. I have heard stories about 250.000 tb and up... Thats a lot of money. In avance, thanks for reply. Great video as always Daz... 🙏
Pacific Cross would only insure me - excluding high blood pressure and cardio vascular disease... the TWO MAIN CAUSES OF DEATH. lol So, I got a medical certificate from a hospital showing normal LDL and BP readings. AIA insured me with no limitations. I'll post this in my own comment as I think about it.
You would have to check with your insurer about what coverage you have overseas. You probably have some coverage as a traveler for a period of time on a reimbursement basis. I bought Thai insurance when I realized my US insurance wouldn’t adequately cover me as a long term resident.
If your current insurance covers you in Thailand, you don't need an additional insurance. If not, you should have minimal cover that will stabilize your medical condition and save your life. Once you are able to travel, you can return to your home country for additional treatment covered by your current health insurance. (I am a broker with over 20 years experience and specialize in health insurance.)
Good report I must tell you about beer prices due to high season wholesale prices have gone up small bar prices of small bottles 65 70 75 80 have gone to 75 80 85 and 90 BT wholesalers tell me more to come at xmas
What happens if an expat on a small pension gets a huge medical bill without insurance? Since it isnt realistic to pay the bill in full, what payment plans do they offer?
1st. Avoid big medical bills by not riding a motorcycle. It's not rocket science; if you are never on a bike, you will never fall off a bike. 2nd take good care of your health, learn everything you can about healthy eating habits and exercise. 3rd Use government hospitals. There are 400 private hospitals and 1,000 public hospitals in Thailand. Public/government hospitals charge a fraction of what the private hospitals do and use the same qualified doctors (I have lived here for over 60 years and use government hospitals).
The days of farrang pays always are gone. It now is down to having a sharp lawyer and cctv or dashcam footage. Pay a lawyer to view your charge sheet before signing it👍🏻 Money well spent, believe me😉
What happens when you are renting long term,can you take out insurance on someone else's property to cover the cost of your belongings in case of theft,fire,water damage,etc?...or are you at the mercy of your landlord?
Hi Daz. Good video,, can you please tell me What kind of camera do you use, no one seems to get upset so I assume they don't see it. I would like to get one
I’ve been visiting Thailand since the 90’s, and I still learn things from this channel on a regular basis.
same...
'92 here
Everybody hates the idea of Insurance ,talking about it even ,thinking about it
But it is a necessity of life this was very informative and very interesting. Thank you for another great video
Very interesting and helpful video Daz, nice to see you putting the effort in to produce different content to the rest of them.
Excellent video Daz! When I lived in Pattaya I didn’t have health insurance but I did have 1st class car insurance. I will need health insurance when I return and will go to Maccallan Insurance Broker to buy the proper insurance I need. Thanks again for this information.
Cheers Daz. I'll go see him next time I'm over there
Thank you a lot for sharing, really useful information and good advice. Always a pleasure to see your informative videos.
My first holiday to Pattaya was in 1978 ...it's changed a bit..
Outstanding video Daz! Very good information.
Well done dad very useful informative video one of you best ones yet , there are many more important subjects over and above the price booze and a shag the next point to cover might be how to call for the police or an ambulance if one is needed I ve been coming here 20 years and still don't know see you on the next one
Great point!
We all need Dads like Daz.
This was a great interview and topic. Good info for expats.
when you are not well, it is not easy to fight... having a broker represent you is a great service.
Great video mate 👍. Thos is food for thought and it's good to know where to go if people need insurance 😀
He likes Macallan he will be my insurance guy ! LOL thank you for sharing , be there next week ...
A lot of exparts self insure my friend has insurance but we live in the countryside he had a lung problem and had to go into a goverment hospital was in there 6 nights food pills everything 15.000 thb and he said he had great treatment
It was suggested that I get cameras for my car here in Thailand. Yes?
Pacific Cross would only insure me excluding CVD and HBP - the 2 main causes of death for all people.
So, I got a medical test showing normal BP and LDL and AIA insured me without restrictions.
Lovely Jubbly!! Thanks Daz
Great information. Very helpful. Thanks
Top tip......get front & rear facing dash cams for your vehicle.
As a retired fed from the usa. I have blue cross blue shield federal program. Does that insurance cover me over in Thailand?
If his favourite whisky is Macallan, he can't be all bad :-)
I know someone who was seriously, and permanently, maimed on a bike in Thailand - lost his leg. Something to dwell on.
What he said about insurance is true not only in Thailand but globally
i visited this guy about health insurence and he was of no value at all
Curious? Did you find insurance from someone else?
I also visited their office, everyone was so nice, filled up the form with Jack Levy the owner, they were to call me back the following week after sending my form to the insurance company and NEVER heard back from them... still living without insurance for now...
About 2 weeks ago i was renewing my SCB debitcard. They told me that card includes personal accident insurance. I did not ask what it covers since i have another wider insurance but maby for someone option to look closer. Annual cost for this debit card was something between 600-700 baht.
I had similar insurance with my Kasikorn debit card (5000 baht coverage). My first trip to Chiang Mai I fell out of bed and hit my head on a concrete floor. I went to the emergency room and got 5 stitches and a CAT scan. It was about 8000 baht. My Kasikorn insurance reimbursed 5000 a month later. I then purchased 50,000 baht coverage. It seemed like a good deal since I have a large deductible on my general health insurance. Unfortunately they don’t cover me now that I am over 65 years old.
I wanna health insurance for retirement visa. Should I get insurance first? I won't be driving,
Ok Daz Great video, What insurance do you have?
Thank you. Excellent information.
good information
Good information. Sadly for many retirees like me who are over 65 medical insurance costs over 120000 baht (before any deductible). For the non immigrant OA visa both inpatient and outpatient are compulsory.
@whimsical
That is about AU $100 per week..
They don't want tourists in Thailand.
The golden years of Thai tourism are over and done with.
@@robertgrey6101 That’s for a one year retirement visa. A good comprehensive travel insurance costs around $700 to $900 Australian Dollars for a period of 3 months with a $200 deductible.
@@thethrillofpattaya8404
Sad but true !!
John is definitely knowlegable. If I was to retire or even visit Thailand for an extended amount of time, I'd consider utilizing his insurance services.
Good info Daz
Back in the 1980's Royal Jordanian airlines LHR/BKK £300 R/T 1yr open ticket
I am wundering about prices Daz. It seems to go from 50.000 tb to....
But what can you Recommend?
If you are living in Thailand and are 60+.. I have heard stories about 250.000 tb and up... Thats a lot of money. In avance, thanks for reply. Great video as always Daz... 🙏
Email Jack. I know nothing about insurance
if you claim on health insurance, does the company check with your gp back home, if not surely you could lie on the form,
Good video thx
delt with this guy about 10yrs ago would not recommend
Very interesting Daz, thanks. Would love to hear more about health insurance for old farts if it's at all possible. Maybe self funded.
Pacific Cross would only insure me - excluding high blood pressure and cardio vascular disease... the TWO MAIN CAUSES OF DEATH. lol
So, I got a medical certificate from a hospital showing normal LDL and BP readings. AIA insured me with no limitations.
I'll post this in my own comment as I think about it.
What's the up charge for the use of a broker over going directly with the insurance company?
I am a licensed broker, it costs the customer nothing extra to use a broker.
So if you already have health insurance,; Kaiser, Blue Cross, Medi-Care etc.., you still need Thai health insurance?
Medicare doesn’t cover you outside of the US.
You would have to check with your insurer about what coverage you have overseas. You probably have some coverage as a traveler for a period of time on a reimbursement basis. I bought Thai insurance when I realized my US insurance wouldn’t adequately cover me as a long term resident.
If your current insurance covers you in Thailand, you don't need an additional insurance. If not, you should have minimal cover that will stabilize your medical condition and save your life. Once you are able to travel, you can return to your home country for additional treatment covered by your current health insurance. (I am a broker with over 20 years experience and specialize in health insurance.)
Farang pays..💯 garenteed..!
Good report I must tell you about beer prices due to high season wholesale prices have gone up small bar prices of small bottles 65 70 75 80 have gone to 75 80 85 and 90 BT wholesalers tell me more to come at xmas
Depends where you go. Jenni bar, Soi Pothole.... All 70 baht.
The name Broker is fitting because when you deal with Brokers you get Broker…
What happens if an expat on a small pension gets a huge medical bill without insurance? Since it isnt realistic to pay the bill in full, what payment plans do they offer?
Big problem that’s what happens get insurance
1st. Avoid big medical bills by not riding a motorcycle. It's not rocket science; if you are never on a bike, you will never fall off a bike. 2nd take good care of your health, learn everything you can about healthy eating habits and exercise. 3rd Use government hospitals. There are 400 private hospitals and 1,000 public hospitals in Thailand. Public/government hospitals charge a fraction of what the private hospitals do and use the same qualified doctors (I have lived here for over 60 years and use government hospitals).
What rights do you have if you are a passenger in a car and are hurt in an accident?
Sang Som Insurance - check for better options!
The days of farrang pays always are gone. It now is down to having a sharp lawyer and cctv or dashcam footage. Pay a lawyer to view your charge sheet before signing it👍🏻 Money well spent, believe me😉
What happens when you are renting long term,can you take out insurance on someone else's property to cover the cost of your belongings in case of theft,fire,water damage,etc?...or are you at the mercy of your landlord?
You can take out an insurance policy to cover the landlord's property and your own property.
Hi Daz. Good video,, can you please tell me What kind of camera do you use, no one seems to get upset so I assume they don't see it.
I would like to get one
GoPro
Who pays, now let me think? Ok got it, the Farang always pays as TIT
Has this broker ever taken an insurance company to court to make them pay one of his clients?
Short answer…the farang
Medical and personal accident insurance are a must for everyone.
If falang not here then it not happen Na !
😂😂😂
👍
good Video Daz, ahh the Golden rule in Thailand, it's always your fault even if its the Thai's fault, it's still your fault.
Not true. I have over 20 years experience as a broker and know Jack very well. You are only at fault if you caused the accident.
I once got bitten by a woman..it cost me my house..no insurance for that..lol..
Home insurance perils include: Fire, Explosion, Windstorm, Earthquake, Tsunami, Lightning, Water damage, Aircraft damage, vehicle collision, Volcanic eruption, burglary, electrical damage, public liability.......not women.
@@EricDohlon Maybe you are her new man,You are welcome to her lol..
Boring but damn importent info.thx
11th
A wrong mosquito bite can cost 150,000 to heal. Scare tactics always work.
This is very valuable information. Thanks, Daz and Thank You Mr.Macallan.