Yes it’s absolutely worth it I can here 14 yrs ago I figured I would get it when I don’t need it so I need it I have it it was a very good premium as I remember or just to give you some examples how it help me out in beginning my insurance company would say for any operation I would pay $1000 and they would pay the rest that was in the very beginning now what they have is you have to pay $1000 in deductible and then they’ll pay 100% of any operation they pay 75% of Hospital bill bills they pay up to US$1000 on medication free per calendar year they also pay I think it’s up to $400 for vaccines of any type they totally reimburse you and they pay up to $400 a year on your physical exam so if you spend like exactly $400 in physical exam they sent that back to you I’ve been great pleased with this insurance company a few years back I was walking on the sidewalk in a little truck hit me they jumped out of the truck they saw there was nobody wrapped and they jumped back in the truck and drove away well that was a femur bone fracture I forgot back then what it cost me my recall I was gonna say it was somewhere around 250 or 300,000 last April one of the out Islands and there was one rock on the beach that’s on that rock broke my other fracture for my other side they paid for two ambulances and Emergency ambulance boat and then they paid 100% of the Hospital bill well 14 months later the bone is healed but it was putting a little bit too long so it was irritating soft tissue so I had them replace it with one that wasn’t anywhere near my soft tissue and it said working fine once again they paid 100% of that so if you wanna live a comfortable life in Thailand and not worry about your medical expenses I highly recommend it TIT