@Kenneth ******

apparently a lot of the rules have changed this year

HaHaHaHa

@Peter ********

I guess that is always a possibility but any insurance will do anything not to pay out in my experience.

I'm 76 I have health insurance through Cigna with some exemptions for pre existing conditions.

Just encountered a new problem today, apparently because of my age (76) the obligatory 'insurance' for opening a bank account for me is 100,000baht.

@Aaron *****

Sorry I don't have any knowledge about that, not too many women marrying Thai men!!!

@Stephen *******

I am actually going through this process at the moment. In theory it is either or!! I wanted to do my visa on income alone which is perfectly acceptable. The catch 22 for me is that for proof of income it requires a certificate from your embassy, I am British but the British embassy no longer issues these certificates. I have spent the last 15 years in France declaring income for tax purposes there so I asked if they could issue me with a certificate - no reply!!! I am going to the bank this week to see what the manager proposes but I guess it will be go down the 0 route with the agency providing the money (for a fee!!) and buying the bank insurance (although she couldn't tell me what it insured!!).