There are options available such as good govt hospitals, even India only 2 hours away and apparently very good hospitals and clinics and much cheaper than Thailand, certainly worth investigating
Funny, my good thai girl friend, village assumed she worked sex and sending money home, until she turned up in court as a lawyer and successfully prosecuted some local urchin
for many heart attacks and strokes you aren't in an ICU or coma, a guy i know had a heart attack and went to a govt hospital got treated quickly, stent inserted, pretty cheap
Those insured should also be self insured as a "claim denied" is likely and common.
Being self insured is more common than people think, some have enough money and some don't.
i self insure because i don't trust insurance companies to pay out on some things and if you can't be sure they will pay why bother paying premiums.
I don't put any money in a separate account i just know I'll need to pay for it from savings and investments. For some very serious conditions like cancer I'll probably go back to UK NHS unless over a certain age then won't bother getting treatment
maybe normal for a certain type of Brit, the kind that walks about in a tee shirt when it's snowing in the UK, in the above case a jaggie weegie Scot, probably given a one way flight to Bangkok