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The health care insurance policy was for a maximum payout of 1,25 million baht. I just couldn't see paying the huge premiums. Since I can cover more than that, I could see no reason to make that company any more money. All the years I had that policy, I had one claim for an appendectomy. They did pay with no questions asked. They did deduct one item. It was for a Coke for my wife.

Not necessarily. I believe some Europeans (eg Scandinavians and yes Americans) can sometimes have some worldwide cover from their home countries, worth it's weight in gold if it provides comprehensive cover. Maybe these are all courtesy of their former employment. Other that that I would expect that you are correct.... go see an insurance broker when you get here. Over 75 years you can have cover, but that cover will usually be with a company you were with prior... they limit new customers to a certain age. But it is an expensive item some forego. Many 'self insure', ie keep a healthy ba