do you have an address for where your going to live in didnt need insurance for non o visa but I have a thai wife. get the cheapest insurance you can get it wont matter they probably won't pay out on it. hospitals are not expensive ive been three times once for an accident cost me 1000 baht once for getting some wire cut out of my leg cost 1000 baht so not expensive and once to get medicine cost me for tablets only the service was free