@Greg *******
yes i think insurance is too hefty though, always advisable to have travel insurance but cannot see a scenario where you are going to have a 4 million baht bill. Personally think make it compulsary for general insurance for all visitors in Thailand including long term visa but bring top end coverage way down.
Did read somewhere they had average cost for people found positive in Phuket sandbox was about
*****
0 baht. Also its ridiculous being vaccinated makes no difference to premiums cant figure that one out.