Question for anyone who might know - how is it Bangkok bank can offer a year accident insurance for 5,900 Baht, whereas an international health policy with a 1 million Baht limit would cost closer to 10,000 Baht (and have so many exclusions and limits that really you need to pay 4 times as much to be effectively covered)?

Rosie Xip thanks very much for taking the time to reply. That's sounds very worthwhile, wish we were similarly blackmailed! Hope all goes well with your partner.

Apologies for the insensitive question, do please ignore unless you've time to kill.

Which policy did you use? A specific one for foreigners? I've been trying to figure it out online but their English website doesn't really work. We're family of three on Elite visas if it makes any difference.

Do give online a go. Even easier in my experience.

@Andy *********

i was recommended to submit a budget by someone with some UK immigration experience to show i had thought it through and could afford to sponsor. Don't think it's a requirement. I throw absolutely everything in i can think of.

My impression is the same as Henry's. Technically fine, but you submit a budget etc, so deviation might maybe not look good. I'm just guessing though.

What rate do you get?

As you're not in Thailand, you may not have been on these forums much, so may not know that Stuart Cumming is the authoritative voice here. Others certainly helpful but what he says is extremely likely to be the most accurate and wise. You can trust his advice with confidence. No offence intended to anyone else, but when stressed it's nice to have help with judgement, and as all the regulars know Stuart knows as much or more than many immigration staff.

I'll repeat this here, just for others reading who might not spend the time and effort if they think it is easy.

My girlfriend had visited UK once before, with me (and had left after 6 weeks exactly as stated), had gov job of >10 years in home country, was pregnant with my son, they rejected her because we didn't provide a letter from a doctor stating how long delivering our son would take. After many months they accepted this was ludicrous and issued the visa (but by then we'd moved to Thailand, so not all bad!). They get about 5 minutes to review each application, absolutely no accountability at all (safer to refuse), all it takes is to catch someone who got out of bed the wrong side. I've many friends who've been refused for utterly stupid reasons. You were lucky.

@Cassius *********

my girlfriend had visited UK once before, with me (and had left after 6 weeks exactly as stated), had gov job of >10 years in home country, was pregnant with my son, they rejected her because we didn't provide a letter from a doctor stating how long delivering our son would take. After many months they accepted this was ludicrous and issued the visa (but by then we'd moved to Thailand, so not all bad!). They get about 5 minutes to review each application, all it takes is to catch someone who got out of bed the wrong side.