You have no way of knowing if they will ever cover anything except to pick a good company.
The whole idea of saving money instead of buying insurance sounds good but if you don't have a large nest egg to fall back on you would be screwed if you had a major health event or accident especially if this happened in your first year or two here.
Let me say that you are probably going to get the residence certificate and still find you cannot open an account without an agent or extreme luck. Just FYI.
Oooh. 117 branches of banks in Thailand and there are 2 in Pattaya that will open an account on a tourist visa. Ooooooo. I was wrong in my statement.
This is Thailand. Nothing occurs that is not legal right? No one bends the law? Funny how I thought you said you were here for 18 years (really only visiting right).
The facts are there are banking regulations against opening accounts with tourist visas. The fact that branches may not enforce that is another fact. Kind of like how you are suppose to have a motorbike license and helmet to drive in Thailand but yet hundreds of thousands do every day and they don't get pulled over.
And I don't need to show off. I know where I stand financially. I won't be starting a Go Fund Me page when I am done drinking and screwing my life away. Because that never was and never will be my lifestyle.