Save that £200 a Month. In 10 years you will have a medical fund of over 1 million baht. Pay for small medical stuff as you go meantime. Cigna tripled my premium after my birthday despite no claims. Why pay sales commission, director salaries, dividends, company cars, fancy offices etc etc by buying health insurance that will price you out when you need it? Just save now
I have just spent 18 months helping to release the 800k visa deposit in Bkk bank for the family of my deceased Swiss friend. With a Will covering his Thai assets it would have been fairly straightforward. Dm me if you would like simple advice