I self insure, OK i know it's a risk but i have been healthy all my life, don't smoke. I've done it for 15 years so saved what 2-3 million baht? That buys quite a bit of health care or i can pass anything left to my tgf rather than some insurance company.
BTW my tgf was in hospital recently, Pattaya City. She has a Gold Card there. Very good treatment including an MRI, zero cost for treatment. We opted for a private room, very nice with en-suite and a bed for me to stay in. Only cost 1200 baht a night for the room.