@Sammy ******
can I correct you about BUPA/AETNA ? They give cover for life if you joined them before 60, not 65 as you mentioned. I joined 20 years ago at age 59 and no exclusions as I was healthy at that time. Now 78 and the annual premium is 207,000 baht. And going up. BUPA gave great service. Not so with AETNA in my opinion.