False yourself to take up something that is healthy for you and less chance of needing insurance. I retired 3 years ago ,I have paid my own medical and dental care costs totaling £300 the majority of that was at the dentist which wouldn't be covered on a normal insurance policy and I also paid 900 baht for medical certificate for retirement visa all out of the £300 . If I had a good medical insurance it would of been minimum £1500 per year. I feel that I have £4500 in credit,if I do need medical help. 🙏