When you pay over 40k THB a year and don’t use it — that’s luck. But when you do? That’s your health insurance whispering, ‘I’ve got you.’”
When I signed up for my health insurance, I didn’t do it for the flu meds.
I did it for the chaos.
The mystery symptoms.
The multi-night hospital stays.
The spinning room.
The specialists.
The 5,800-baht follow-up bill that came with enough medication to start a small apothecary.
And then the next round of follow-up? Another 12,000. Just for fun.
But each time I handed over that little insurance card?
No tears. No drama. Just a quiet inner snap of “Well played, past me.”
Yes, I pay over 40k THB a year.
Is it expensive? Absolutely.
But paying every hospital bill out of pocket? Far more so.
It’s what I call a soft landing — the kind with silk cushions and zero panic.
And here’s the thing — I signed up just in time.
Right before they changed the terms.
People who followed after me, even on the same plan, didn’t get the same coverage.
Honestly? That’s a bit heartbreaking.
But still, anything is better than nothing — because not having health insurance at all? That’s not just risky. It’s brutal.
So if you’re still putting it off:
You don’t need the platinum plan. You just need a plan.
One that means when life hits, you’re not paying for it with your rent, your dignity, or your peace of mind.
Health insurance isn’t just protection. It’s a power move.