Even if you don't declare the pre-existing complaint when you apply for cover, you will not get paid when it is treated. It is likely with that treatment if required there will be medical evidence that the treatment was known to be pre-existing. You did not declare it. You will likely fail in your request for payment of treatment of that complaint. If on your proposal to get the coverage you did not disclose the previous complaint it is not likely to be covered when and if you do make a claim..

I have only had retirement visas issued from the Thai Embassy in Canberra and used the surrender value of my super fund to prove that I had the funds available. The nice lady at the Embassy said "This way makes it much easier for us, don't say any other money you may have, that will only confuse Thai Immigration in Bangkok, they go overnight to Immigration in Bangkok and come a few days later" It took less than a week to be received by mail in W.A. I also had to get the police report $70 stating no warrants were outstanding and a doctor's medical report to prove I did not have any social disease (Ha! Ha!), yes short arm parade all witnessed by a neighbour who is a J.P. (oops! not the short arm parade, most military men know about that), He said this was all B/S and also pay $300 to the Embassy. All presented 3 full copy sets of 30 pages altogether. Details are on the Thailand website. not really so hard if you know the ropes, and you still have the Bt800,000 to spend as you like. Also, the retirement visa is multi-entry. Before the 1st year expires you can do a border run before it expires and return and be granted a 12-month extension free of charge, it can be good for 2 years. All my other trips have been 90-day tourist visas obtained from the Thai Consul in Perth. That no longer exists.

@Al**

...My calculation I do every time I get Bt20,000 and it is less than Money Changers will give you. Usually about 1%, My other bank ANZ charges $6 for the transaction and the ATM fee plus 3% of the transaction, which costs about B900 to get Bt20,000. I have that ANZ account debit card to get my super payment. My super is managed by ANZ. Both ING and ANZ change like a wounded bull if using a credit card..

Yes, my super has been much better, but I'm talking about bank interest, which is instantly available.

ING Australia but I think you have to be a resident of Australia. Its requirements are published on line.

Who needs a bank account in Thailand. My account in Aus allows me to make 5 overseas withdrawals a month and the Thailand ATM fee is refunded to my account in Australia. I also receive 5.5% interest with some conditions which I always meet. The exchange rate is as good as you can get, and your money received is instant. Usually, Bt20,000 max at a time is very convenient. I have never had a bank a/c in Thailand in 15 years. My retirement visas were obtained from the Thai Embassy in Canberra where you have to prove you have equal to Bt800,000 in a bank, and the surrender value of your super is accepted as money in the bank in Aus. No conditions are placed once you get to Thailand. You can just leave it in your Australian bank Account and use it as required from ATMs. That is my experience 2 times in the past. I now just visit Thailand visa-free for 2 months, and a 30-day extension for Bt1900 from Immigration at Blupoint (no e) Shopping Centre Hua Hin.

On several occasions, I have bought a frozen Turkey from MAKRO. was OK. That was my contribution for the Xmas party. Quite large.

It really is good for 8 months as befor the end of each 60 days it is extended for 2 months, so can do that 3 times at the end of each 2 months which will be 8 months. TIT You also have to do a boarder run.

Go to to Thai Immigration at Blupoint Shopping Centre Hua Hin office basement level and be advised by the person giving out advice at the door, usually very helpful! Most tourist visas are for only 60 days, you have to apply to extend it by an extra 30 days at an Immigration Office where you need your passport, proof of where you live, from your hotel, Bt1900 and an application form and have a police interview., which is your 3-month visa or visa-exempt. No passport picture is required, they now copy your passport photo and details.

I am 83 Y/O and have very few pre-existing issues but no one will accept my insurance cover as I'm too old. I no longer ride a motorbike and have lived in Thailand on and off for 3 months at a time over 15 years. Earlier on a retirement visa but now will never exceed the 180 days to register as a tax resident of Thailand. I do own a house in Australia so yes, I come and go as I please $440 return Perth to BKK and return. If you are in Thailand for the girlie bars which seem to be the main attraction, bars and massage parlours will cost you. Without those bars, I often do have a few drinks and can enjoy cooking, I do live in a very comfortable residence in Hua Hin on my own in Thailand for Bt10,000 P/M and only spend Bt,000 a month on average, I don't have a regular girlfriend but you can get a "Rent-a-wife if you would like one or a real one if you prefer?" (there goes your reason for living? there goes your everything?) I actually earn double that with the AAP and some super which is well below the Centrelink threshold. I'm not a big spender. Thailand is still cheap if you live a modest lifestyle and seems with all its confusion will be so for a long time to come...Land of Smiles, (LOS.)