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Expat Financial Planning

Providing Client Clarity Since 1985

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Expat Financial Planning

Providing Client Clarity Since 1985

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    Our blogs

    Keep you informed to keep you ahead

    Our blogs

    Keep you informed to keep you ahead

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    Our expat financial planning blogs

    Our blog site is designed exclusively to inform on issues that relate to and impact expatriates around the globe.We cover a wealth of topics that include insurances - pensions - investments - estate planning and tax - all designed to keep you informed and up to date.

    Three filters are provided to enable you to quickly find the information you seek - "Categories" - "Tags" & "Archive"

    By subscribing to "Market Scope" you will also receive notifications of new blog posts as they are added.

    Click here to sign-up now - its free and packed with information and ideas as to how best plan your financial well being.

    If you would like to ask questions or discuss any issues that relate to any blog post we will be happy to address these with you.

    Regards

    CSM Ltd - Expat Financial Planning Blog Team

    Blog Archive

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    Graham Briar a British national highlights the risks for foreigners living in Thailand without health or medical insurance.
    graham-briar-pleas-for-surgery-funding

    Graham Briar & partner plea for financial help for heart surgery

    Graham Briar, a Thailand based video blogger has suffered a critical illness and urgently needs a triple heart bypass operation.

    However with no medical insurance and not enough money to pay for surgery he finds himself in a nightmare situation in a Chiang Rai hospital.

    Graham, who has been broadcasting about his current situation live on YouTube, says that doctors have told him surgery will cost at least half a million baht (USD 16,000) or as much as one million baht (USD32,000) - this needs to be paid upfront.

    Watch and listen to Grahams plea for help …

    Bowel Cancer Stats Prove The Need For Critical Illness Protection

    Fewer than 1 in 10 have critical illness insurance despite the immense need

    Scottish Widows said it was “astonishing” fewer than one in 10 of the UK population have critical illness insurance, as it announced bowel cancer accounted for 12 per cent of all cancer-related critical illness claims it dealt with in 2014.

    The company paid out more than £6.5m in critical illness claims relating to bowel cancer, and said the average age of diagnosis among males in 2014 was 50. For females the average age was 52.

    Coinciding with April’s Bowel Cancer Awareness Month, Scottish Widows published the figures to emphasise the value and importance of financial protection.

    Bowel cancer is the fourth most common cancer in the UK, with around 110 cases diagnosed every day. One in 14 men and one in 19 women will be diagnosed with this type of cancer during their lifetime.

    David Hollingworth, associate director at London & Country, said “It’s more expensive than term assurance but that’s because we’re sadly more likely to be more affected by these critical illnesses. It can be invaluable cover to help deal with difficult and stressful situations,” he said.

    NHS May Ban Patients If GP's Not Used in 5 Years

    The days of free NHS service for returning expats is fast being dismantled

    This report serves to support the argument that expats everywhere should seek to effect their own private medical insurance - reliance on the NHS for returning expatriates is and has become fraught with difficulty and complication.

    Patients who do not visit their GP for five years could be barred from their doctor’s surgery under plans being developed in the east of England.

    Under the move, patients who have not seen their GP for five years will be sent two letters asking them to respond. If they do not get in touch to say they still wish to be registered with their GP, they will be removed from the GP practice list.

    GPs are paid for every patient on their list – in 2013/14, the average GP practice received funding worth £136 for each registered patient. The drive by the NHS England regional team – known as list cleansing - is intended to cut costs to the NHS. The idea is to find out whether patients no longer require services or have moved house, left the country or died.

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