If you live in Thailand, basic insurance coverage is recommended. Health and accident insurance make sense in any case.

Unlike in Germany, these insurances are not provided by the state in Thailand. Basic insurance is only available for Thai citizens. As a foreigner, you do not benefit from the basic state coverage, but pay for any treatment in the event of illness or accident out of your own pocket.
Since the benefits in the health sector can vary greatly in Thailand, good coverage is recommended. Unlike what you are used to from Germany, there is a significant difference in the quality of treatment in public or private hospitals in Thailand.

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