yes I know of many people have the same problem. I use my account every day. Also run a bar So if an account gets coosed then it could affect buy stock paying bills.hopefully it will not happen to me but because of what's happened I now got 3 accounts so if I get a problem I got a backup.
You need health insurance for peace of mind rather than anything else age and past medical comes into affect. But it's what you can afford. The question shouldn't be how much but what company offer the best products and work out what you want from that. I use AIA not to get mix with AXA. best for me at the time.
Thailand is the only country i known where the majority of thais are there to look after you and not rip you off you can go to a barvand leave your wallet phone go gave a game of pool go to the toilet ans its still be there if you pre book you can find thousands of honest people here. Taxi and motorbike taxis try ripping you off so get a bolt or pre book.