The difference between Thailand and Philippine medical systems are vast. A good measuring stick is the fact that Thailand has 10 of the top 20 hospitals in Southeast Asia. The Philippines has one! 
of experts are uninsured. Folks that live in fear should definitely ease their minds and by insurance.Especially folks that are not financially secure
Here’s what I would do. Open a Thai bank account deposit 800,000 THB go to Thailand on a tourist visa exemption given upon arrival. Go to immigration and change your visa exemption non immigrant O visa This visa does not have an insurance requirement. I’ve been on it for seven years now
Airlines do not open check in counters before three hours before your flight. So I don’t see how the extra hour is going to be of any benefit. Did you get luggage checked at the counter for hours before your flight?
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