I am sure that this question has been asked and answered many times previously but here goes. I am approaching 70 years old and in good health. I will be visiting Thailand for 3 months, January-March next year. What do I do re insurance? Do I take the chance and not take any out? Do I pay a higher premium for the 3 months? That’s if I can even get any. Insurance companies seem reluctant to pay out anyway, so is it actually worth it?