200K baht will nto even cover a minor surgery in a private hospital.   Not owrth having IMO and you can be sure any future government requirement will nto be that low.   You should change plans now while you are still without major pre-existing conditions.   For those 65 and over, plans to look at include:   Cigna Global (silver plan or Close Care) April My Health International (April global not April Thailand) Pacific Cross HCI BDAE