Question regarding Thai Covid-19 insurance coverage: I am moving to Thailand for work, and I already have international coverage for *everything but Covid-19*. I know I need the 100k USD/90 day coverage certificate for my visa paperwork and CoE, but I assume I will need coverage for Covid beyond that date. Right now, all the plans I see for a year include coverage that overlaps with my existing insurance for non-Covid illness/incidents, and they are very expensive. So, my question boils down to this: Are there are purely Covid-19 coverage plans out there that are cheaper than the more comprehensive coverage of plans I've seen out there (Luma, Pacific Cross, Aetna, etc.)?

Also, is my assumption correct that it is worth it to buy yearly coverage for Covid-19 if I know I am going to be in Thailand that long, or take it 90 days at a time?

Thanks for any advice!