@Jim *****

have you tried to contact Pacific cross direct?? to see what their response is, apart from that I've heard of AXA and AIA are good insurance policies.

My understanding of the health care system that Thai people receive from the government hospitals, (they pay a ฿30 contribution in there home Provence) I wouldn't have thought they would do a knee replacement, under that government treatment plan, if they did, I would have thought it would only be a case of if that person was going to actually loose the knee, you say she has had injections?? In my home country, people regularly have cortisone injections, is it something you have already tried?? I don't know if it's relevant to your wife's situation.

@Jim *****

Stephen walker I live in Thailand, and i use them for medical insurance, they also sort my car and motorcycle insurance policies, I've just renewed with them again recently, send them an email to make enquiries first, if it sounds good, go to their office in Pattaya, and discuss your opinions, they will sort everything out for you. The first time I went to see them, I purchased a good 12 month accident insurance policy, I think it was ฿6500, I think you can buy a separate critical illness cover for a similar price, but I'm sure you're aware it very much depends on age and circumstances, my opinion is you should cover yourself for accident and critical illness at least if you can, they are the two things that would cost you a lot of money.

@Jim *****

Macallan Insurance Broker Co., Ltd

@Stephen *******

Macallan Insurance Broker Co., Ltd

Have you thought about just buying an accident and critical illness cover policy?? Most other things you could just self insure, where are you staying in Thailand?? I know a good insurance broker in Pattaya I use them myself, and lots of expats use them, it's a British fella that owns it, his Thai staff speak English, you could contact them for a quote, let me know if you want the details.

@Joy *****

฿70k expensive 😳

Slightly different rules for different immigration offices, it gets confusing at times, I personally have dealt quite a number of times with Jomtien immigration, that's what I must have had in mind, thanks for clearing that up anyway.

The new 5 year DTV visa, 5 year Thai privilege visa (very expensive) ED visa, or if you have already fallen in love, the marriage visa, there are other visas, if you have half Thai kids, or you want to start a business.

@Narelle ********

I used them to open a bank account, and also convert my home country licenses into full Thai licenses, brilliant service, they take you to the transport office and the bank, you don't even queue up, very easy process.