@Robert **********

Give it a break, give it time. He's probably just probing quickly. That doesn’t mean he won’t consult a professional later. You guys judge too quickly.

It doesn't matter if you are a person in Finance, you don't know him, period.

You see what I asked him, what type of bar, big or small.

I'm just testing his investment. Don’t be so quick to judge. You guys send people to the fire too easily from behind a keyboard.

"The same thing was said about me before coming to Thailand in 2016. People would say: you're crazy, what are you going to do there, think it through, the language. Now I'm happily married and have an 8-year-old son, see?"

@Robert **********

Today, this platform has become an oracle—and I really mean it, eh? I don’t see it as just an empty idea for engaging with the subject.

Many people can answer you in a very accurate way.

As a first test of contact or consultation I consider it correct.

Hmm, I would just ask you what kind of bar it is: very big, small, etc. All these factors can cause serious issues when something goes wrong—or they can become a learning experience.

That is, it depends on the investment.

@Chad **********

Oh, excuse me, huh? I heard that if you're married to a Thai woman, you don't need to hire four guys, but two.

@David *****

Ssme for you.

Incorrect, it happens in all countries.

It is known as "misleading fine print" or "unfair terms." It can also refer to "bait-and-switch tactics" if it involves deceiving customers with an initially favorable offer that later changes with hidden conditions.

@Rod ********

Incorrect, it happens in all countries.

It is known as "misleading fine print" or "unfair terms." It can also refer to "bait-and-switch tactics" if it involves deceiving customers with an initially favorable offer that later changes with hidden conditions.

I will add this question for consideration.

Valuable for me to make decisions when contracting:

"Do your policies offer any benefits or discounts for maintaining good health?"

@Julane ******

Living 8 years here.

I haven't been to the West since then.

I consider that I could only take out Thai national insurance.

In my country, there are good social medical services.

@Jeff ******

Some policies offer benefits or discounts for maintaining good health.

I am going to add this valuable question to my mass email to try to find out what insurers have to say about this nuance.

@Jeff ******

If the insurance includes the annual check-up, but you fear it could affect the premium, there are some factors to consider:

✅ Advantages of doing it through insurance:

You don’t pay extra for check-ups if they are already covered.

Health issues can be detected early and monitored.

Some policies offer benefits or discounts for maintaining good health.

❌ Possible disadvantages:

If the results show a problem, the insurer could increase the premium or impose coverage restrictions in the future.

Depending on the contract, they might use the information to modify insurance conditions.

If the insurance covers it without affecting the premium, taking advantage of it makes sense. But if there is a risk they might use the information against you, doing it privately could be safer in the long run. Have you reviewed your policy’s terms regarding this?