@Ruth ******

Pacific Cross insisted I had pre-existing conditions because I had Non Hodgkin's Disease 38 years ago. Been fine ever since and never had any other health issues.

Last year they said my COPD is due to me smoking in the past but that's why my premiums are higher then non smokers. Still, they refused to pay the whole costs.

They also insisted my cancer on the back of my throat last was due to smoking what was absolute crap as the diagnosis said clealy "Due to HPV" but try arguing with insurance. Even the Insurance Ombudsman has no say really. They recommend a course of action but then, it's still down to the insurance company if they want to comply or not. .....

Just about insurance.

1. Don't think you'll find any insurance who will cover you for pre-existing conditions.

2. At our age it's already pretty difficult to find decent priced health cover and once you reach 70, virtually impossible.

3. Whatever way you chose for your visa, I strongly suggest to take out a health insurance asap, even if your pre-existing conditions are not covered. Once you've 70, it gets VERY expensive.

I use Pacific Cross and paid 48'000THB per year. (Started when I was 60). Premiums have gone down over the years but last year I was diagnosed with COPD and cancer and now my premiums are at 48'000THB. They also claimed I had pre-existing conditions ( which is a pile of bollocks) and so only paid just over 40% of the total costs. Without Insurance, I would be pretty f**kt as "going back home" after 40 years is no alternative.

I would suggest, put your 800k in to a five year fixed deposit account. I get 1.25% for it with Bangkok Bank. Not only is it your visa guarantee but if things go pear shaped, you have sufficient funds to start new.

Then transfer your monthly 65k in to a seperate savings account and live of that.

Theoretically, using Visa Exempt, you can fly in as often as you want plus 2 times by land border.

But, if you have several back to back entries by air, eventually border control will scrutanise you about the purpose of your stay

Before you can use on-line reporting, you need to do one report at the immigration office IN PERSON. Nevermind if it's the first, second or third reporting.

As your reporting was done by an officer, that doesn't count as it wasn't done in person by yourself at immigration.

My son 😜

Secondly, you don't have to spend the money required to obtain a visa, just have proof of those funds. So no point in including that in your daily visa cost calculations.

If you look for the most cost efficient option, well the right visa for the purpose of your stay, is probably the cheapest.

If you want to stay 60 days, a Single Entry Tourist Visa is cheaper then a free Visa Exempt & extension.

If you want to stay longer then 90 days, a Multiple Entry Tourist Visa is cheaper then 1 Single Entry Visa & extension.

If you want to stay a year, a NON-Immigrant Visa is more economical then several Tourist Visas and extensions.

@Frank-Steven **********

Yeah sorry 240 days. + 30

First of all the Visa and the Extension of stay are two different things.

Visas are the responsibility of the Foreign Ministry whilst Extension of stay are Ministry of the interior.

So ...

Visa Exempt only gives you 30 days.. ( with extension up to 60 days)

Single Entry Tourist Visa gives you 60 days (with extension up to 90 days)

METV gives you up to 180 days. (With extension 210 days)

Extension of stay is always 1'900THB ( I believe it just increased to 2"000THB but not sure) nevermind if it's a 14, 30 or 360 days extension.

@Paul ********

For peace of mind, you can go at any time to a local immigration office and get an extension of stay for 1'900THB