My wife was a licensed ThaiLife Insurance agent. She has various policies that are available to all. She is 45 years old. She pays (Not me!) 3.300 baht per 6 months which covers her for 200,000 baht upon death. 1,690 baht per 6 months for 1,000 baht per night in hospital. She also pays for an extra policy (1,585 per 6 months) to boost the daily hospital stay rate to 3,000 baht per night and this includes 1,000,000 baht for a cancer diagnosis. That's 13,150 baht per year.