I have basic health insurance with Alliance Ayudhya. It covers some/most costs for inpatient care if required it does not cover outpatient cost. For the family wife and kid with accident cover and a small life insurance policy for each of us it works out about 60,000bht a year. There are more comprehensive policies and of course they cost more. This is more of a hopefully it will cover things or at least most of it if needed policy. I did have need for this policy when having stomach issues. I did not stay in the hospital but Bangkok Pattaya hospital told me to put a claim in as they consider it inpatient and my company paid almost all. Then six months later another follow up scan was paid in full by the company. Bangkok Pattaya have a dept. for insurance and said that this company is one of the better ones. Maybe a good idea to speak with them as they will know the companies trying to duck out of paying anything. My friends ins. comp. did not pay up when he had an accident. Your insurance is only a good policy if they payout when needed. Also used the accident insurance a few times no problems with that but there is a 50,000bht limit but again you could buy an add on policy if required. You need to do a lot of shopping around.