What is the best health insurance for expats over 70 living in Thailand?

Choosing the right health insurance can be challenging for expats over 70 living in Thailand. Many commenters suggest that finding a reputable insurance company willing to cover older individuals is crucial, as premiums tend to be high and some insurers may deny coverage based on age. Several recommend international insurers and brokers, like Pacific Prime or Tenzing Pacific, for broader coverage options. However, a sentiment persists that self-insurance might be a viable alternative, where savers maintain sufficient funds for medical emergencies instead of relying on insurance. Some also assert skepticism about insurance effectiveness, citing issues with claims and hidden loopholes. Additionally, comments touch on the necessity of insurance depending on the type of Thai visa held, particularly around the OA visa requiring specific coverage.