Reader Submission: House for sale in Ban Nong Yai, Samroiyod
I am offering my house in Ban Nong Yai, municipality of Samroiyod for sale in order to return to the Netherlands after the sale. Due to my specific medical situation and the associated costs, a long-term stay in Thailand is no longer feasible.
I am 71 years old, live with my Thai girlfriend and have had type 50 diabetes for 1 years without complications. However, insurance costs are spiraling out of control. When I moved to Thailand in 2012 I paid $2.100 a year for in-patient insurance and who would have thought that with annual premium increases of around 15% that would add up to $9.600. Anyway, it's still less than next year, because then the premium goes to $ 11.000 and the year after that to $ 12.700, etc. On top of that come the insulin, test materials, internist, etc. Living uninsured as a diabetic? I'm not starting!
The Ban Nong Yai district
Ban Nong Yai is a quiet, agricultural area of Samroiyod about 1,5 km from Khao Kalok beach and the area is located near Pranburi and about 35 km south of Hua Hin. In Ban Nong Yai there is a residential area of approximately 80-90 bungalows with mainly international residents and of course also with a few Dutch and Belgians. This residential area is not located in a closed park or settlement and the residents therefore have no common costs or surcharges on utility bills. There is an active group of residents who organize social or charity activities. Anyway, on my English website you can read much more about this location.
My Ban Nong Yai house
The house was built in 2005/6 on behalf and under the supervision of an American developer/supervisor and that pays off in the build quality. I have been living there since 2012 with my girlfriend as the second residents. The house has two bedrooms, each with a bathroom and a living/dining room, European kitchen and a utility room with toilet and connection for the washing machine. In the garden is a large and a small sala. The floor area is 118 m2 and the plot size is 776 m2.
The house is in a company and there are two classes of shares namely one class with 10 votes per share (for the international owner) and a second class with one vote per share (for the Thai owner). The voting ratio in the company is therefore 90:10 and together with an undated share transfer form signed in advance by the Thai owner(s), full control of the company is achieved. On my English website www.mybannongyaihouse.com you can read a lot more about my house and there is also a form you can fill out for more information.
Submitted by Antoine
Below you will find a slideshow with a small selection of all photos:
https://youtu.be/uKlk6nrokFk
Hi, Antoine.
You have arranged your presentation well, and I understand you completely.
Yes, we are not good in this area........
But I think if you can't sell well, just keep owning it, because whether you lose 10 million or 5 ……….. Just keep this property, and enter into an address in NL. Maybe you have a good “Thai-frau”. Otherwise you have to make a choice.
If you go "out of the pipe", everything is over. In other words, you come several times on a longer (8 months) holiday.
You can discuss this for a long time……….
Good luck and wisdom……….wish you a fellow sufferer
John
You are very right to go back again.
Saw you wrote that you pay on insurance, $9600 if inpatient equal.as $735 p/m.
Hua Hun is a popular place, although I don't know anything about selling houses here.
Wishes you good luck with the sale and better health.
It is also not feasible for me to cough up that much for insurance monthly.
I am still insured with VGZ and paid 620 euros for this year.
Already have plans to go back within 5 years or earlier, is already registered in Bronbeek and housing agency Leeuwarden
Hans van Mourik
Dear Antoine, I read that you have had type 50 diabetes for 1 years without complications. Now you want to leave Thailand because health insurance premiums are becoming unaffordable. I don't quite get that. If you can pay up to USD 9600 in premiums, then you can also use that money to purchase the necessary medication and aids, right? And keep a diet? Do you need such expensive insurance at all? Since living in Thailand, has the patient required treatment and/or hospitalization? I ask all this because I have diabetes myself and have the whole process under control without expensive insurance and treatments. Marian.
Dear Marian,
I'm glad you're keeping your diabetes so well under control. Everyone has a different consideration and mine is that I cannot bear a calamity financially for a long time. I can say about a year financially without insurance, but that's about it. Someone like you will know that if there are complications with diabetes, it will immediately cost a lot of money. Think of heart or cerebral infarctions, acute kidney failure, etc. to name a few of the serious disorders resulting from diabetes. I don't want to scare you, but 50 years of diabetes do leave their mark on the vascular system. So have a plan A, B and C ready if something happens!
Antoine
Here you simply need a ZKV.
When I deregistered from the Netherlands in 2009, I first thought about whether to insure or not.
I asked a readers question in the Thailand blog and also in another Media, received different answers.
I also asked myself, can I pay that or not and if I put the money aside I can't and shouldn't touch it either, then you have money in the bank that is of no use to you and you can't spend it either..
In the end I took a ZKV, first at Unive, later transferred to VGZ in 2017.
I'm glad I did, hindsight, it's always hindsight.
In 2010 I got prostate cancer, 2013 colon cancer + the necessary chemo, s and scans and after treatments, in 2018 when I was in Leeuwarden a brain stroke helped there in the MCL and further treated here, last year something with my eyes on 01-02 -2020 I get injections,everything known to the Thailand blog.
Suppose I don't have insurance, then I'm broken, really couldn't afford that, estimated wet finger works 10 euros in 90000 years.
If you are and remain deabetic, then indeed it is not necessary to take an ZKV.
But I wish I'm clairvoyant, luckily I'm not, glad I took a good guess anyway, it's a gamble you take.
Hans van Mourik