Well if you don't have 800k baht equivalent in a bank then pretty much that's what agents are for. I'm not sure if you'd have the 30k baht for an agent though required to open a bank account and get your non-imm O (Retirement) + 12 month extension
Need more information.…such as deductible.
What is your “home country”? I’m guessing it’s not the US because it would cost a lot more than your secret home country.
Why would your Thai girlfriend need insurance? Mine is on the “social insurance” plan and pays ฿432 per month. This is for people who are not working. There is no deductible and is limited to the hospital that she chooses. She can change her choice of hospital during the sign up period that is once per year. Last year, the window for people to change was from December 16, 2023 until March 31, 2024.
Not all hospitals are on the program. There are 97 private hospitals in Thailand that are on the program.
The “fancy” hospitals are not on the program.
If there is a particular surgery/service/procedure that is not available at her hospital of choice, they will refer her to another hospital. Either one of the other private hospital or one of the tertiary/quartinary government hospitals.
I have a ฿300,000 deductible so I pay cash for most of my care. The money I save on the cost of insurance covers all the medical care I use. I keep insurance only for the big stuff….knock on wood.
Helicopter money, aka "putting out the (inflation) fire with gasoline". People also become more reliant on the government and more inclined to go along with its dictates.
People in Canada were complaining that the unvaccinated had clogged up the hospitals. Mainstream media didn't tell them the hospitals were overcrowded before Covid! It was an easy thing to prove.
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