well that's a difference. According to Thai culture if you're pregnant you'd have to get married to the father immediately and he'd have to pay a sinsod. If the marriage if not happening the family loses face and their "right" to get a sinsod. Either way, if she's getting married after already having the child and the groom is not the father, no sinsod. That's the traditional law. Anyways, today many families don't ask for sinsod anymore but most still do. Depends on the family.
I've been to a bunch of thai marriages and all guys paid a sinsod. My friends marriage was postponed twice and even the third time almost couldn't take place because the guy she was marrying couldn't get the money on time. in the end i helped him out, just so he could put enough cash on display. After the wedding it went straight back to me. The groom and bride got back half of it, the family kept the other half. The gold necklace was returned to the shop and the rings went to the "home bank" for bad times .
we have a German insurer. They are funded by the government and therefore by taxes. All insurers always include everything automatically, no problem there for sure but thanks for the hint.