Robert Lummis I hear you, and it’s also the case that there is likely some form of insurance for everyone even if it’s limited with a high deductible. A little good insurance is better than none at all especially when you are trying to get a bed in a hospital. Either way, I still say that deep researching this with Claude, Gemini, and ChatGPT will help a person with their plans and decision-making processes, including researching a good insurance company and policy. 
Ask the three top artificial intelligence platforms the same question and cross-examine, fact check, etc. But wait. Why would anybody live in Thailand without good medical insurance anyway? 
It depends on the lifestyle you are planning on having here. A simpler life is easier in every way, but it takes a little more effort. Don’t listen to amateur expats who have only lived here for 5 years or less — most of them haven’t yet unpacked their mental/emotional baggage and are still basically tourists. Learn Thai and don’t listen to amateurs who are too lazy to learn it. If you don’t know the language, you don’t know the culture and how people think, therefore you are oblivious to the actual reality of your immediate environment. Anyone who says anything else on the topic is talking shit. Your budget will vary depending on how awesome you are as a human being 😌👍
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