Dear readers,

We, my wife (49) and I (58), are orienting ourselves for a move to Thailand. Now the benefits are well known to us. That is of course also the reason why we are considering it ;-).

This question is about the disadvantages in order to get a complete picture. We also have some disadvantages on our list, but we would like a complete picture. We are not going to buy anything, but rent, so that is out of the question.

We don't need any deprecating reactions about Thai because everywhere in the world there are nice and less nice people. We care about facts and not gut feelings.

Possible disadvantages that we have already thought of are:

  • The heat
  • Expensive health insurance
  • Social isolation
  • Not allowed to work
  • Language barriers
  • Corruption
  • Danger of street dogs
  • Value Euro – Baht
  • Dangerous roads
  • Environmental pollution
  • Tropical diseases
  • Temptations (sexual morality)

Can the experts by experience add to this list?

Regards,

Aart-Jan

29 responses to “Reader question: What are the disadvantages of living in Thailand?”

  1. Eric bk says up

    As far as I am concerned, the value of the Euro and the costs of Health insurance are the most important. The rest is not an issue as long as you look carefully and don't do wrong things. But without enough money, everything stops.

  2. According to says up

    How about insects and dangerous animals like snakes.

  3. rori says up

    Moderator: Please respond to the reader's question.

  4. Rudy says up

    The main ones are in your list and I think health insurance is nr.1. Also depends on where you are going to live, but food (western) is hard to find outside the big cities.

  5. eugene says up

    Many also have the idea that life in Thailand is very cheap. But if you live in a city and you want the same life and luxury as in your home country, it's not that cheap. That is why I often advise people: first live in Thailand for six months or a year before you decide to move permanently.

  6. eugene says up

    Another major drawback:
    . All the hassle with visas, extensions, 90 days notification etc etc… and a certain uncertainty about what will change now.
    . Accident. My insurance agent in Thailand told me that if you have an accident, very often the police will conclude that the farrang is at fault. A farrang has insurance anyway. My agent also said that if you are 100% sure that you were in your right and it comes to trial, the judges will rule neutrally.
    . Electricity bill if you use a lot of air conditioning in your home.
    . If you stay in Thailand for more than 3 months, you must have a Thai driver's license.
    . Some banks are difficult when opening a Thai bank account (Kassikorn is not).
    . It is best to declare money at the airport if you bring more than 10000 euros.
    (from eg declare: https://www.youtube.com/watch?v=QaJvFy60ck0 )

    • l.low size says up

      Air conditioner electricity bill = gas bill in the Netherlands. for the heating.

      There is no compulsory driver's license required after 3 months if there is no driving, if a moped is going to be driven, it is wise to get a Thai driver's license, ditto car.

      • TNT says up

        Of course you don't need a driver's license if you don't drive. Mopeds do not exist in Thai
        Others. They are motorcycles and you need a driver's license for that.

    • Jasper van Der Burgh says up

      The amount to be declared is incorrect. In Thailand, it only needs to be declared to customs if the amount exceeds (the equivalent of) $20,000.

  7. Jan says up

    additions:

    -no support from the Thai Government for foreigners if the need ever arises (so no social safety net)
    -the government tolerates the presence of foreigners, but if it is no longer convenient for reasons, the foreigner can pack his bags (he is not considered anything other than a guest)
    -the foreigner remains an odd man out (who is supposed to have wealth)
    -the government favors its own people over foreigners (also in case of disputes)
    - there is considerable legal inequality in the country (and one must be able to cope with that)

    In general: Thailand is not exactly a good example of a rule of law.

  8. Jan says up

    You forgot to apply for a visa, is a piece of annoyance.

    • l.low size says up

      Applying for a visa takes place in the Netherlands, extending a visa takes place in Thailand.

  9. Jan says up

    It is not so much the heat that is disturbing, but mainly the humidity, which increases the perceived temperature, perceived temperatures of 48 - +50 ° are normal here in the interior, where there are many rice fields, a lot of water also brings many vermin, which are often very to be annoying.

  10. Pat says up

    I share your list of theoretical disadvantages, although one is more manifest than the other...

    Another disadvantage is that you always have to undergo a very long flight if you want to visit the home front.

    You don't go back to Antwerp for, say, a weekend!

    I think the biggest disadvantage is the idea that if you start to struggle with your health, you are nowhere better in terms of medical care (a correct diagnosis, quality of care, medical costs, language, loneliness in a hospital if you are really, really bad). have many medical problems, etc.).

    • Pat says up

      Correction of my message: nowhere better than in your own Western country if you are struggling with your health...

  11. Henk says up

    Renewing a visa every year, depending on where you live, is not always the most pleasant experience. The same goes for 90 day report and the constant reporting of your residence address (which according to the law, but many do not).
    The biggest problem for me is the lack of legal order and legal protection. In 99% of the cases you have little to do with this until it goes wrong (fatal traffic accident, etc, etc).

    Still, the pros outweigh the cons so I'll stay here for now.

  12. Jos says up

    Thailand is (has become) expensive if you want to live there as a foreigner and want to take a trip regularly.
    Two things are important to know. Often a double price system is used, as a foreigner (farang) you always pay a little more for service and going out to theme parks, etc.
    Second, unless you really want to live like a Thai and only eat street food, everyday life has become expensive.
    Products from the west are a lot more expensive, which is logical because they have to be imported.

    Completely agree with other comments: first go and live in Thailand for half a year or a year.

    Josh 🙂

  13. Stefan says up

    I think it is wise for you to rent. For example, you can move to another place after X number of months until you have found a place where you want to stay for a long time.

    I lived there for 6 weeks, and the heat was tough for me. There are 3 things that cool you down: air conditioning, shower and scooter. The wind in your hair is nice. Keep it safe by taking it easy and always being forward-looking and focused.

    I fear that water scarcity will become a bigger problem in the future.

    In your place I would just do it. But consider it a long vacation, because a return to the homeland beckons.

  14. Leo Bosink says up

    Health insurance is rightly mentioned in your list. Good insurance (check with AA insurance in Hua Hin, they can send you quotes for you and your wife) is quite expensive. I would choose to insure only inpatient (so only hospital admissions, operations, etc.). Regular doctor visits and medicines are generally quite cheap here. This, of course, depends on the current state of your health. Based on your current age, you should think of an annual premium for you and your wife together of approximately 120.000 TB (= approx. 3.250 euros). The annual premium is payable in one go, i.e. per year. Not per month.
    Social isolation is not necessary at all. The Thau are very sweet and friendly people. Will be happy to talk to you and have a beer together. It is of course advisable to learn the Thai language. Makes making contacts even easier.
    The heat is here all year round, but make sure you have good air conditioning in your home, in your living room and in your bedroom, and you won't be bothered by anything. Corruption and stray dogs are not an issue for a farang.

    • l.low size says up

      Depending on the company, an installment payment is made.
      Pm – per 3 months – or per year.

      € 3250, = for 2 people on an annual basis is estimated too low.

  15. Jasper van Der Burgh says up

    I am missing a very important one: the costs. Living in Thailand is very different from going on holiday in Thailand. With a holiday, a large part of the expenditure is determined by the labor costs, which are much lower in Thailand than with us. Once you live there, other factors come into play: electricity, water, internet and also just the supermarket are approximately Dutch prices, and if you want to eat cheese, butter, coffee, wine, beer, in short Western products, you pay a lot. more. Gasoline is cheaper, but you run out of health insurance in proportion. If you live in a medium-sized city, the housing costs are not inferior to those in the Netherlands, although you get more in return (gym, swimming pool, security)
    I myself always say that it is cheaper and easier to live in Spain or Portugal, especially in the later phases of life where in many cases health insurance is canceled in Thailand above the age of 70!

    I also cannot emphasize the language barrier enough: without my fortunately fluent Thai-speaking wife (she is Cambodian) I was completely lost outside the big cities: in a medium-sized city, or in the countryside, people simply do NOT speak English, not even the youth . And then explain that your air conditioning is broken, the gas bottle needs to be brought, or ask if there will be cheese this week in the Makro.

    You yourself call it the heat: for me and my family this is the main reason to emigrate to Portugal. You can dress for the cold, you cannot avoid the heat or you have to sit in an air-conditioned room half the year during the day.
    It's just too hot for me there, and I'm disturbed by the sound of those fans all day long.
    Incidentally, I must add that if you live on the islands, or directly by the sea, it can be a lot cooler.

  16. John Chiang Rai says up

    It is also very important where exactly you will live in Thailand, and what kind of people you are. Not everyone can / wants to become very lonely in terms of social contacts in the long run, while others, if you often read the different reactions, find this just fine. Even if you speak a good bit of Thai, you will soon notice that the Interests often differ greatly, so that any friendships sometimes get bored quickly. If you burn all the ships behind you, you may also largely lose contact with friends and family in the homeland. Even if you get a little older and you have the bad luck that you will be dependent on help, the question arises whether you can arrange this just as well as in the home country. With this decision you also exchange many rights that you knew from the home country, for mainly duties. Obligations that consist of crossing the border every 90 days, or visiting an immigration office, and a bank account where the mandatory guarantee must be available. Personally, I would rather first live in Thailand for a longer period of time, and weigh up the pros and cons in peace for yourself. There will certainly be people who are happy with their decision to settle in Thailand, although this often depends very much on personal circumstances. Often you hear from people who have taken this step for years, only positive reactions, and if you still have doubts here and there, some react as if they were bitten by a poisonous spider. Hardly anyone honestly admits that immigration is not only connected with sunshine, the more no one should doubt the step they once thought very wise.

    • l.low size says up

      With a non-immigration visa you do not have to cross the border every 90 days.

      With a demonstrable proof of 65.000 Baht pm income, no mandatory guarantee is required at the bank.

  17. Bacchus says up

    You are both less than 60 years old and then it is still fairly easy to take out health insurance. Do not do this through (inter)national brokers, because then you will indeed pay a lot. I recommend AXA Thailand or BUPA Thailand. If you register with the BUPA before your 60th birthday, you are insured for life. At the AXA, this is reviewed annually after your 70th birthday. Depending on your wishes and/or requirements, you can already take out reasonably good insurance for 30 to 60.000 baht per person per year. For information, the websites of the companies are listed below:

    https://www.bupa.co.th/en/individuals/health-insurance/get-quote-plan.aspx?t=&iid=1&gids=&a=58&class=1#.WTvfSNwlHIU

    https://www.axa.co.th/en/personal-health-insurance

    You can do something about the language barrier yourself, for example by following a course on site. I would advise.

    Thai Baht – Euro exchange rate cannot be influenced, but to get a one-year retirement extension (visa) you must have an income of at least 65.000 baht per month or have a savings balance of at least 800.000 baht. It is therefore important to know that you can absorb a (considerable) fall in the rate of the Euro.

    I also agree with Erik BKK: The other issues are not issues and I couldn't come up with any.

  18. kees says up

    Long and expensive air travel when you want to be in the Netherlands / Europe again.
    This will count more heavily as you get older (fatigue / health condition).
    Possible lack of European culture and architecture.
    Spain or something like that seems to me a much simpler choice (euro, etc.), and you can still do that
    going to Thailand together in January.
    Good luck with your choice.

  19. GuusW says up

    Given your age, no longer accruing state pension also seems to me to be a point of attention.

  20. Pat says up

    It must be very bad if you, as a very elderly Western man or woman, live all alone in beautiful and pleasant Thailand, without any contacts (support, help) in your home country, without speaking the Thai language, etc...
    If you are still financially limited,

    Or how lonely and afraid you can be that your health will deteriorate (for example dementia) and/or become dependent due to old age, while you are still in a nice country.

    Dying alone in a foreign land (in other words) must be sad!

  21. Marc Breugelmans says up

    I have been living in Thailand for three years , I used to go there a lot on vacation and now I am retired .
    The heat was unbearable the first year, then the cooler season came that made me breathe again, afterwards I could handle the heat better, but I still look for the coolness in the hot season.
    The general pollution and especially the burning of household waste is still a thorn in one 's side , Thai neighbors do it several times a week and the stench of burnt plastic is unbearable .
    The insurance , that 's not too bad , I now have that expat insurance that costs me 450 euros per year and covers me sufficiently in case of an emergency .
    Then the food, yes I like to eat my own Western food and it is expensive, but when I buy promotions in the Makro it is not too bad, I then buy large quantities, prepare them and freeze them per portion, you can also get Gouda cheese there buy cheaply in blocks of 4.5 kilos, but that is a matter of dividing it among friends. Fish, chicken and pork are much cheaper than ours, only for beef you pay more.
    Corruption has been greatly reduced in the police here in Hua Hin, apparently the scare of the army is in it.
    The surcharge that people often charge in parks really annoys me and I refuse to enter them at an additional cost, fortunately there are not that many parks that abuse this phenomenon.
    The visa requirement is a normal thing and only occurs once a year, and the 90-day registrations are annoying, although they usually go very smoothly.
    Those street dogs are also a real pest, whenever you go for a walk you have to do so with a stick in your hand, I was once bitten and then you can expect 5 injections against rabies, one can make an effort by taking the street dogs to a shelter. bring them or have them sterilized, many farang are willing to do this.
    The Euro is currently quite low, but the expectation is that it will rise and that it will not last much longer, the Brexit did not do the Euro any good, and I hope that such things do not happen again soon.
    TYes…. those temptations…. you can control those yourself, there are all over the world, well…but here's a bit more.
    And not being allowed to work depends on your visa, there are visas that allow that, maintenance of your home and garden is allowed with a normal visa
    I think the advantages outweigh the disadvantages, a lot depends on whether you keep annoying yourself, my experience is that you get used to it and you can laugh it off after a while, I just have a hard time with the waste incineration and the undisciplined traffic. .

  22. chris says up

    What is a disadvantage for one person is not, or even an advantage, for another. (e.g. living in a city or in the countryside)
    So it's not about pros and cons, but about how you deal with them. A Buddhist starting point.
    What is therefore necessary is a bit of self-reflection about what you and your wife might consider a possible disadvantage (personal circumstances, health, intentions, motivations, financial possibilities, running or avoiding risks), talking about this, asking for advice and then making decisions (about go or not, and if so, where and how). No one can do that for you.
    And be prepared that many things in Thailand do not go as they do in the Netherlands, and that many things are not what they seem.


Leave a comment

Thailandblog.nl uses cookies

Our website works best thanks to cookies. This way we can remember your settings, make you a personal offer and you help us improve the quality of the website. read more

Yes, I want a good website