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My short answer to your question: YES, a traveler can extend their stay at any time for only those nationalities whose requirement is qualified for the 30-days visa exemption program according to the visa policy of Thailand. They do not have to wait until the final day before their 30-day pass runs out to extend. If one has planned to stay in Thailand longer, I highly recommend to extend the visa as soon as possible at the Thai immigration center.You may wonder “What is exactly the 30-days visa exemption program?” in the bold/italic highlight. I will use the word “We, Us, Our, Ours” in the context of Thailand, because I am Thai. Please, allow me to explain:The visa policy of Thailand sets a different visa requirement for that certain nationality. The 30-days visa exemption program is ratified to those nationalities from developed countries in light green as shown below:[Note: The light green is categorized in the qualification of the visa exemption program for the purpose to promote the tourist industry toward improving our economy. We are fond with cash injections from citizens in developed origins to support our nation. Those developed countries may not necessary exempt the visa requirement for the Thai nationality in reciprocal.]Those nationalities in light green (the 30 days visa exemption countries) are allowed to extend their stay for another 30 days. It is the flexibility to allow the tourist to remain in Thailand with an additional 1,900 THB fee in return. The total fee is what you pay at the final outcome from these three alternative scenarios, if you wish to extend your stay:Arriving in Thailand on the 30-days free visa stamp (Air Only): The total duration is 60 days after the 30 days visa extension.Arriving in Thailand on the 15-days free visa on arrival (Land/Sea Only- Granted twice within one calendar year): The total duration is 45 days after the 30 days visa extension.Arriving in Thailand WITH the 60-days tourist visa in advance: The total duration is 90 days after the 30 days visa extension.[Note: Otherwise, the 30-days visa extension is not applicable to other nationalities that are non-visa exemption program.]

Answers to your Questions about Expatriate Health InsuranceThere are some basic questions that most expatriates have when choosing to purchase an expatriate health insurance plan. We will try to provide some answers below, but you may feel to reach out to us directly to address your specific questions. Some Helpful Articles:What is an Expatriate Insurance PlanWhat is a Global Medical InsuranceHow Much Does an Expatriate Medical Plan Cost?Costs for global health insurance will vary greater. It will be less expensive for younger clients and more expensive for older applicants. You can purchase comprehensive plans or a plan that will cover only the bare minimum. Additionally, other factors, including the deductible amount you choose, will impact costs.Example: For a husband and wife, ages 62 and 60, one plan, IMG Global Medical, offers the following coverage options:Worldwide excluding the U.S., Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan orWorldwide coverage (including the US, etc.).IMG’s plans would cost (ages 60 and 62) as little as $2,260 per year for a plan Excluding the US and other countries with a $10,000 deductible or as much as $41,546 for Worldwide coverage and a $100 deductible (benefits for these plans – Silver, Gold and Platinum plans – differ as well, including maximum benefit limits). GeoBlue Xplorer (for US Citizens or internationals residing in the USA) offers two options: Worldwide coverage 1) including the US -more expensive – or 2) Excluding the US – less expensive. The CignaGlobal Medical Plan will adjust pricing based on where you are going to be living, and it varies by country.Request a Quote: Free Quote for Expat Health InsuranceAre there Certain Countries where Expatriate Insurance Cost More?Plans will cost more if you want US coverage – medical costs are highest in the US. Age is also a key factor – less expensive for younger applicants and more expensive as you get older. Other factors may change (similar to US health plans); for example, if you use an accredited facility you may not have to pay co-insurance. You might have to pay co-insurance for a facility in the US but not one that is located outside of the US…Why Choose a Private Expat Plan Instead of a National PlanNational, state-funded, or public health insurance can be very different from what most Expatriates are used to and can be of limited service for internationally mobile citizens. Many public plans offer less regarding medical services than what is covered under a private plan. For example, it is unlikely you will be covered for medical evacuation benefits under a public health plan. Just like you would compare international health plans to pick the best coverage, review and compare your expatriate insurance plan to the national/public plan offered in the country where you will be located.Public plans (including Medicare in the USA) usually only cover you in your host country or region. For an expatriate that travels for business or returns home throughout the year, benefits stop at the border. When covered under a national plan you may not have access to the leading private facilities or specialists. Private plans also offer 24/7 medical assistance (to find a doctor or facility), translation services (help with communicating with local healthcare providers), repatriation, etc. Finally, most private providers offer optional riders for dental, vision, add, etc.Related: Expat Meaning – What is it to be an Expatriate?Which is More Expensive – A National or Private Plan?It depends on where you are living. Health care costs, and domestic insurance plans, in the US, are significantly higher than in other countries. Further, expatriates in the US are not bound by the ACA and can choose a policy the best suits their needs, and wallet, rather than a domestic US health insurance plan, which can often be significantly more expensive.In other countries where health care, and public health plans, costs are less, the quality of care may vary from city to city or facility to facility. It makes sense to have private insurance to pay for the costs of treatment at high-quality facilities without the long waiting periods. An Expatriate plan provides you the option to choose the facilities from which you receive your care.Cigna Global Plans: Learn More | Free Quote / Apply – Premier Plan for Expats, Families, and SeniorsIMG Global Medical: Learn More | Free Quote / Apply – Affordable / Best for Younger ClientsExpat Plans: Questions When Buying an Expatriate Insurance PlanIs There an Underwriting Process When Applying for Expatriate Healthcare?Medical underwriting (A review of your medical history) is required by international healthcare companies when you apply for one of their global medical plans. For US Citizens, familiar with the protections and benefits of the Affordable Care Act (AKA Obamacare), it does not apply here. You can be turned down or denied coverage. The process is generally to obtain and review the medical history of the applicant. It is not overly burdensome (most providers can complete underwriting in 3-5 business days) unless some unusual circumstances arise.How Do Pre-Existing Conditions Affect my Expat Insurance Application?A great question without a simple answer. Many applicants who come with pre-existing conditions have a difficult time finding a suitable plan. In some cases, pre-existing conditions would prohibit coverage from a provider. Other issues in your medical history can be managed with adjustments to the plan (riders, exclusions or cost adjustments) or the cost of the coverage might be adjusted.GeoBlue’s Xplorer Plan (for US Citizens) has a nice benefit to address pre-ex; from GeoBlue’s website: “If you were previously covered by a group or individual U.S. health plan that issues you a Certificate of Creditable Coverage, GeoBlue would apply this prior coverage to the pre-existing conditions waiting period, provided you meet GeoBlue’s medical underwriting criteria. GeoBlue will also consider private health insurance issued in other countries as creditable coverage. GeoBlue does not consider surplus lines insurance sold in the U.S. as creditable coverage. The number of months of coverage shown on the Certificate will reduce or eliminate the six-month pre-existing condition waiting period. If you have six or more months of creditable coverage, your waiting period will be eliminated. If you have less than six months creditable coverage, your waiting period will be reduced by the number of months you had creditable coverage. For example, if you have two months of creditable coverage, your waiting period will be reduced from six months to four months.” GeoBlue offers additional benefits if you maintain a health plan in the US while working abroad.US Citizens: ACA Compliance and Expatriate Health PlansIn some cases, the public health care system where you are relocating to is high quality and affordable, sometimes free. In that case, you may not want to purchase a private medical plan. However, we recommend that you check local requirements (review visa and your company’s requirements and policies).US Requirements: US citizens who are outside of the US for more than 11 months of each year do not have to comply with ACA (AKA: PPACA or Obamacare). They can choose any insurance plan that fits their needs. Expatriate plans for US citizens often do not comply with the Affordable Care Act.US expats who spend more than one month per year in the US often are frustrated trying to find one plan to cover them at home and abroad – while remaining ACA compliant. Often our clients will maintain a US plan, sometimes with a high medical deductible, and choose an international plan excluding benefits in the USA (to keep costs down).“Foreign nationals who live in the United States for short enough period that they do not become resident aliens for federal income tax purposes are not subject to the individual shared responsibility payment even though they may have to file a U.S. income tax return. The IRS has more information available on when a foreign national becomes a resident alien for federal income tax purposes.” Read More at IRS.gov.Are There Age Restrictions on Expatriate Plans?There may be limitations and restrictions based on age when applying for international health plans. GeoBlue will not allow anyone over the age of 74 to apply for a new policy. However, if you have a plan in place with them before age 75, they will allow you to continue with coverage to age 84.IMG will allow you to apply up to age 74 and coverage will terminate after you turn 75. If you have had a plan with them before your 65th birthday and have maintained coverage through age 75, they provide a Senior Plan option to allow you to continue coverage. This plan has fewer benefits and lower maximum coverage amounts – but it is an option.Cigna Global will allow customers of any age to apply and will provide coverage for life.In general, insurance companies’ risks increase as their client base ages, so they have to manage those risks with increases in price, restrictions on benefit and limitations on coverage.

As a staunch remainer, I might not be the best placed to answer this question, but, in order of significance, here are my thoughts;Edit: This list is not comprehensive, there are reasons I have overlooked, also the factors do not come as a package, in most leave voters only a few (if any) would apply.Anti-immigration sentiment. Any E.U. citizen is allowed to enter another E.U. country and work with no visa required, this had lead to a high Eastern European population in the U.K. The newcomers from Eastern Europe are on the whole extremely hardworking and an economic boon to the country, one which has been seldom reported. Unfortunately criminal elements have also arrived, and although tiny in number, they have received a lot of attention in terms of media headlines. An underlying xenophobia is natural in any population (and in the west recently Islamophobia), but a combination of quite sickening tactics from the leave campaign (who said that the U.K. would be overrun by migrants if we didn’t leave) and the Mediterranean migrant crisis really brought it to the fore. It didn’t help that in his pre-referendum talks with the E.U., David Cameron made a big deal about getting concessions from the E.U in terms control over immigration and came back empty-handed. It was amazing how often I heard people say they were voting to leave to stop people from Iraq or Pakistan coming to the country. Below are some examples of posters about immigration from the leave campaign/UKIP.Edit: Some extreme remainers believe that all leave voters are racist, I think this is a ridiculous view. I also did not intend to suggest that all migration concerns are illegitimate and racist/xenophobic. It is my strong opinion that on the whole immigration is not only beneficial but essential for the UK, but if it is not spread out then local areas can become overwhelmed. The idea of migrants undercutting wages can be an issue, but the perception is far more significant than the reality, this is from the London School of Economics‘Several studies have shown a small negative effect of migration on the wages of low-skilled workers in certain sectors in certain parts of the country, particularly care workers, shop assistants, and restaurant and bar workers. The effect has been measured at less than 1% over a period of eight years.’I also failed to mention the perception that migrants take jobs from natives, while understandable this incorrectly assumes a zero-sum game with a finite supply of jobs to go around, but migration and the jobs that migrants fill increase the size of the economy which makes more jobs available. It is the case everywhere, however, that when times get economically tough (as they have been in Britain since the financial crisis) foreigners are always the first to have the finger pointed at them.2. Money. The leave campaign convinced many people that the country would actually be better off if we left the E.U. It is easy to visualise the monetary value of E.U. membership fees, unfortunately the benefits, although monumental, are a little more abstract, so which one of the arguments is a layman more likely to find appealing;A- The list of people and organisations who believe that leaving the E.U. would cause significant and lasting damage;- The Treasury- The Bank of England- The IMF (International Monetary Fund)- The World Bank- The WTO (World Trade Organisation)- The G20- The IFS (Institute for Fiscal Studies)- LSE (London School of Economics)- The Financial Times- The OECD (Organisation Economic Cooperation + Development)- The CBI (Confederation of British Industry)- The US Government (our biggest non-EU trading partner)-The Chinese Government (our 2nd biggest non-EU trading partner)-The Japan Government (our 3rd biggest non-EU trading partner)- The Indian Government (our 4th biggest non-EU trading partner)- The majority of Business leaders in all 4 of the above countries.B- This bus;The figure of 350 million is wrong anyway, it becomes around 160 million once the British rebate (effectively a discount negotiated by Thatcher) and money spent directly on Britain is taken into account. The perverse thing is, the leave campaign knew the figure was bogus (a clear misuse of official statistics according to the impartial UK Statistics Authority) but they used it anyway, despite 160 million still being a high figure, as the inevitable refutations would focus peoples minds on the tangible costs rather than the infinitely higher but less tangible benefits.3. A poor remain campaign. The official campaigns seemed to boil down to this;Leave- We can have all the benefits of the E.U. without being in it and everything will be better in every way when we are out because we are a strong, proud country. Oh, and if we don’t leave we’ll be over-run with Muslims and migrantsRemain- We don’t particularly like the E.U. but if we leave then life as we know it will collapse around us.The remain campaign was dubbed ‘Project fear’ by the leavers. Leaving aside the irony given Leave’s migrant scaremongering and taking into account the fact that it is hard to have an inspirational campaign when you seek the status quo, some of the stuff that came out of the remain campaign was ridiculous, and that inoculated people from paying heed to the sensible downsides of leaving. The classic example is David Cameron raising the prospect of war in Europe if Britain left. While it is certainly the case that the E.U. has contributed to continental stability (as was the idea in the first place), the idea that us leaving could directly contribute to conflict is laughable and was predictably summarised as “Cameron says there’ll be World War 3 if we leave”.In addition to the lack of positive messages about the E.U there was also the problem of Jeremy Corbyn, the populist left-wing leader of the Labour party. The Labour party are, in the main, much more pro-European than the conservatives, the problem was that their leader was and is not, instead seeing it as a bastion of capitalism. Corbyn didnt go so far as to endorse leaving, but he didn’t go to much effort to hide his sympathies. At the time he was riding a wave of grass-roots popularity, he could have been a massive asset to remain, instead his silence spoke volumes and led to traditional Labour voters not even knowing that the official party line was to remain.4. Sovereignty. This is one I have a bit of sympathy with, it is frustrating to have your country’s laws or values over-ruled by a larger collective. Instances of this happening were rare, but they did happen, prominent examples include Italian native Learco Chindamo (who led a gang attack on a pupil outside of school and murdered the headteacher who tried to intervene) not being deported upon completing his sentence and continual efforts to force the U.K. to extend voting rights to prisoners (actually a European Court of Human Rights issue but easily conflated with the E.U.). Perhaps it is because we are an island nation, perhaps it is because there are people still alive who remember a time when we were the most powerful country in the world, but the idea of being told what to do by people in another country riles us and many people cannot abide surrendering sovereignty or symbols thereof, no matter how minor the concession or how significant the benefits in return. Personally I see the benefits of the E.U. as outweighing the token loss of sovereignty by several orders of magnitude, but I can see how the issue could bother people.I get the feeling that there are some people who feel nostalgia for the days when Britain spanned the globe.5. A protest vote. Nobody expected leave to win. Poll after poll reinforced the idea that Remain was a certainty. With this in mind, people thought they could ‘stick it to the man’ without risk of repercussions. The financial crisis, austerity and a political class seen as self-serving and out of touch had left a lot of people in the mood for protest.6. Demographics. This one is quite simple but probably deserves to be higher up the list. There was a strong correlation between age and education and voting intention. Older people and those less educated were much more likely to vote leave than young and educated voters. Put simply, old people turn out to vote, young people don’t.