If you have any chronic conditions (hypertension etc) or pre existing conditions you are probably not going to get a great rate on your health insurance…chronic and pre existing conditions plus age are not a winning formula
So you can ask for super high premiums, omit conditions from the insurance (which means you pay out of pocket)..
so if you ask for a premium of let’s say ฿250k per year it drops the overall payment…
you can also opt out of IPD or OPD which drops the cost as well
Best way to offset it is if you have an insurance through a pension plan or other so once you omit any condition and IPD/OPD you are still covered…
This is what I wrote…I know fir a fact you have zero reading comprehension skills
Plus it’s not 1 Jan so nobody knows if it will really reset to zero….in the ancient times before the 60 day visa free exemption stamp it did reset to zero on 1 Jan
If you’re not a time traveler nobody knows until 1 Jan