I would simply like to agree with user Letseng. My first-class private health insurance in Germany (with premiums of more than USD 1,000 per month plus a deductible, based on my age of 75+) guarantees—subject to a required bilateral agreement—that all medically necessary costs incurred worldwide outside the EU, except in the USA, are reimbursed at 100% for stays of up to six months. Only in genuine “exceptional situations,” such as in 2021 during COVID, when Phuket was under severe restrictions and no flights were available, did my German health insurer extend this coverage beyond the six-month limit until regular flights from HKT to the rest of the world resumed.