Thailand Expat Life Insurance Info

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  • #4901
    Anonymous
    Guest

    Dear all my expat friends currently residing and working in Thailand.

    If you are buying a package of health insurance, don’t miss reading this.

    Thailand has a section of law about insurance and life insurance. To simply say it, all the life insurance companies in Thailand can only issue insurance policies to only those who has work permits and have live at least 180 days in Thailand. Keep this in mind. If your life insurance agents who are servicing you have not mentioned anything about your work permit, ask them immediately otherwise your policies will later become automatically voidable. This means that you are totally unprotected and the premium you have paid means nothing.

    Additionally, Insurance and Life Insurance Act also says things about the language of policies. It simply elaborate, all the life insurance policies issued in the country will be TOTALLY in Thai. Bilingual version or translated version of policies are not available. Therefore, always procure life insurance (and health insurance) with agents who understand English well; especially technical / legal contract / insurance English. Presenting policies with Google Translate is definitely unacceptable, unprofessional, and extremely dangerous for your own benefits.

    #4538
    Anonymous
    Guest

    Dear all my expat friends currently residing and working in Thailand.

    If you are buying a package of health insurance, don’t miss reading this.

    Thailand has a section of law about insurance and life insurance. To simply say it, all the life insurance companies in Thailand can only issue insurance policies to only those who has work permits and have live at least 180 days in Thailand. Keep this in mind. If your life insurance agents who are servicing you have not mentioned anything about your work permit, ask them immediately otherwise your policies will later become automatically voidable. This means that you are totally unprotected and the premium you have paid means nothing.

    Additionally, Insurance and Life Insurance Act also says things about the language of policies. It simply elaborate, all the life insurance policies issued in the country will be TOTALLY in Thai. Bilingual version or translated version of policies are not available. Therefore, always procure life insurance (and health insurance) with agents who understand English well; especially technical / legal contract / insurance English. Presenting policies with Google Translate is definitely unacceptable, unprofessional, and extremely dangerous for your own benefits.

    #5629
    Anonymous
    Guest

    Sometimes I feel that expats are worth the expense – at least you can trust them and rely on them. not to mention grow them.

    I feel the locals are too damn resistant to everything and anything.

    #5630
    Anonymous
    Guest

    I think resistant is not the right word. More like unwilling. 

    #5631
    Anonymous
    Guest

    Just now, leetanya said:

    I think resistant is not the right word. More like unwilling. 

    ^ I think is a combination of both:

    Resistance: to changes, even if it is for the better or even if they get the direct benefit. Typical attitude is: ‘this is the way we do it in China’.

    Unwillingness: or a complete lack of interest to learn new things (again, things that will benefit them directly by for example allowing them to do their job better, faster, etc).

    I’m not a junior and I’m still interested in learning new things all the time as you never stop learning, with Chinese people is like they just don’t give a f0ck and I’m talking about creative people w/ college degree.

    That is probably one of the many reasons why I HATE so much to work in China……………….

    #5632
    Anonymous
    Guest

    /profile/130-condesa/?do=hovercard” data-mentionid=”130″ href=”<___base_url___>/profile/130-condesa/” rel=””>>@condesa I really can empathise the “dread to work in China” part. Maybe I am lucky becoz “promoted” to housewife..but it’ll definitely make a dent to my resume when I go back to working.

    Other than resistance, unwillingness, I want to add arrogance.

    I am an IT software (well..small time only lah) consultant and in the previous company, there were dozen of Chinese such consultants.

    None of ’em knew the processes very well or could they see through any single project without a push/pinch from me.

    But they “made fun” of me becoz I didn’t have a title (IT consultant) like they have.

    Last time I heard, many of the projects are still outstanding, under construction. Its a big combo of resistance, unwillingness, arrogance & one more..IGNORANCE!

    Sick culture. (spitting)

    #5633
    Anonymous
    Guest

    I don’t have a problem hiring locals, this is Shanghai after all and I just don’t think it’s possible to hire expats that easily. But one thing I did notice was that a lot of the local candidates came horribly prepared for interview and gave outrageously stupid answers to questions. For example “Why do you want to work at this Company?” – in most cases I got “I don’t like the location of my current job and I want more money”. I’m never, ever hiring somebody that says that.

    I had to filter through a stack of candidates and it took around 6 months to hire one position. This wasn’t helped by HR having some weird policy of sending me one CV at a time, but In the UK I could hire somebody within two weeks, maybe a month if things went badly.

    It’s also a bit frustrating that because resources are relatively cheap, it results in the solution of throwing more monkeys on the typewriters rather than just doing it properly, or recognising that a talented person is worth more than three hopeless ones. But then, I should realise this is China, you don’t need talent, you only need guanxi.

    #5634
    Anonymous
    Guest

    /profile/131-yeolde/?do=hovercard” data-mentionid=”131″ href=”<___base_url___>/profile/131-yeolde/” rel=””>@yeolde  Yes, you are right, once you break through the guanxi ****, you can really get capable people. Some of my colleagues ignored the proposals from HR and only accepted applications sent directly to their email accounts. And voila they employed capable Chinese. Takes time and some smart ways to avoid to HR swap but it is possible

    #5635
    Anonymous
    Guest

    /profile/131-yeolde/?do=hovercard” data-mentionid=”131″ href=”<___base_url___>/profile/131-yeolde/” rel=””>@yeolde speaking of HR…do you think your HR personnel might be giving you resumes of their pals or relatives instead of real potential candidates?

    I have my doubts through my previous experience.

    #5636
    Anonymous
    Guest

    Forget Guanxi, just a waste of time. Somebody will just suggest useless relatives.

    The best is stay away from Shanghainese. Just money wasting lazy arrogant folks.

    They will of course brag how good their education is. But all that is lost the minute they pass the big test (Gaokao).

    Shanghainese just want to work the least for maximum salary, don’t want to overwork and the worst, feel offended once they have to make use of their brain.

    There are many hardworking people from other provinces who normally have a hard time to prove their abilities in Chinese companies because of strict hierarchy or the absence of any skilled personnel and management in local companies.

    Also important. Women do better work than men. Most men are just spoiled by their parents because of the circumstance that boys are valued higher than girls.

    Parents keep telling their daughters how much they would have preferred a son.

    And girls mostly don’t benefit from Guanxi.

    #5637
    Anonymous
    Guest

    -IGNORANCE- as /profile/129-leetanya/?do=hovercard” data-mentionid=”129″ href=”<___base_url___>/profile/129-leetanya/” rel=””>@leetanya, mentioned is the main problem that lies in everything + not willing to take risks in case they might use their MASKS.

    Though I still want to believe that there are good employees…usually they are not male though.

    A German HR / consulting company’s strategy is to hire only candidates from 5 (Five) universities in China. At that time the manger told me that is because they trust the diplomas…couple years later I understood that he probably meant they trust the registrars office for authenticating the diplomas.

    #5638
    Anonymous
    Guest

    3 minutes ago, leetanya said:

    /profile/131-yeolde/?do=hovercard” data-mentionid=”131″ href=”<___base_url___>/profile/131-yeolde/” rel=””>@yeolde speaking of HR…do you think your HR personnel might be giving you resumes of their pals or relatives instead of real potential candidates?

    I have my doubts through my previous experience.

    I don’t think it was that blatant – but I suspect it was all about using agencies they know and keeping them sweet – whether there’s anything more to it than that, I don’t know. All I do know is that it took bloody ages to hire somebody.

    Typically I find the Shanghai work culture a bit silly and certainly not hard working. People like to go on about working OT (overtime), but then they’ll take 2 hour lunch breaks to gossip. OT this, that, whatever man. If you really think working overtime is a good thing, you’ve got rocks in your head.

    #5639
    Anonymous
    Guest

    /profile/131-yeolde/?do=hovercard” data-mentionid=”131″ href=”<___base_url___>/profile/131-yeolde/” rel=””>@yeolde ^I rather have a 45 mins lunch break and go home at 6pm. Thus, I really don’t understand why they have to “pretend”, have such a long break.

    Speaking of HR, one girlfriend told me that her company has introduced a referral system. If you as an employee recommended someone for an open job and if he or she were to get the offer, you would stand to get some dineros. I don’t know how much though.

    Such idea would work elsewhere but not here.

    She told me that many of the recommended candidates came from HR and the departments were “pushed” into accepting them.

    According to her, these newbies were not very experienced in the field/line of work. Many couldn’t even speak proper English (!) I suspect the departments have little choice but to accept these people becoz the HR personnel might have delayed the recruitment process.

    I think HR might have applied the same tactic like your company by sending only one candidate per week or so.

    #5640
    Anonymous
    Guest

    We have recently implemented a referral program which excludes HR staffing from receiving any benefit while offering a differentiated referral bonus for; college hires, individual contributors, managers and even diversity [female] candidates!. The bonuses are a combination of cash and Amazon vouchers.

    #5641
    Anonymous
    Guest

    /profile/73-sindbadmalone/?do=hovercard” data-mentionid=”73″ href=”<___base_url___>/profile/73-sindbadmalone/” rel=””>@SindbadMalone This is true; from what I have noticed, a local women do better work than local men. Local men are just joining for the ride and will jump ship the first chance they got.

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