Just make travel insurance for tourists mandatory. I personally helped 2 French guys that got barged on a jet ski by another tourist. Needless to say they were cut open from feet to thigh on one side of the body ! It was horrific. It was not their fault. They were hospitalized for emergency operations in Bangkok Phuket hospital, and I must say, the doctors probably saved their lives .They both had Platinum coverage on their C Cards. Thank God. After three weeks and various ops, they were transferred on stretcher back to France where they were hospitalized for months after.The doctors here in France said the result was amazing considering. I was there every single day in Phuket to help as they were in comas for a while , and couldn’t speak English . The bill was millions , hundreds of thousands of €. I must say that the coordinator at the hospital was fantastic..I always had travel insurance before that, but after that experience I’ll never stop recommending it.