If you are retireing here you need medical insurance, msny risk not having it but you ever need it trust me its worth it.
I dont know your age, health condition however your quotes are high.
I use AXA, cover is for here, im 71, my cost per annum is
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baht, can be paid 6 monthly.so you should be looking around 300 us a month jf you were me.there are cheaper, depends on the amount of cover you want and luxury.