You miss a lot, I didn't mention 80,000 baht but € 168,- per month. The policy includes dentist, hearing aid once in 5 years, specs and so on. Furthermore all the surgeries one need, meds, fysio therapy. I've been insured with them for 38 years so you can bet it's a reputable insurer. My age is 79, not 70 so once again you missed a lot.