Principles (maybe something some are missing). Lots of big "IF's", with this 300baht payment: if, it realy is an insurance then its really great value for money. If i were still living in Thailand, i would have gladly paid 300 baht each month for insurance cover. However, knowing Thailand a little (probably lived and worked there for 16 years in total), this money will make a select few even richer and never be used on tourists welbeing.