I'd rather the scheme pay for basis emergency medical treatment for the uninsured, if needed (there were only 400 cases of tourist injury, of all kinds, last year, but no mention of how many of those where uninsured - my guess most where insured) vs compensating tourist for their death (of which there where 185 tourist deaths last year). And the only reason I say that is so that hospitals will be less likely to turn people away - like they did to the man from Taiwan who later died as a result. If this gets the greedy Thai medical establishment to at least know they will get paid for rendering services, then people will be less likely to needlessly die due to hospital greed. Unfortunately, my guess is if tourist know they're covered for emergency medical they will do more stupid stuff. But then you can't fix all stupid.