So, I have health insurance.

I also email subscribe to The Department of Foreign Affairs and Trading - Australia (DFAT) for notifications in regards to global travel.

Today I got the below.

Travel advice update

Thailand

05:10 pm - 4 February 2026

You can get a visa exemption to stay for up to 60 days in Thailand for tourism and short-term business travel. Check the latest visa, entry and exit requirements with the nearest Embassy or consulate of Thailand (see 'Travel').

We continue to advise do not travel to areas within 50 kilometres of the Thailand-Cambodia land border in the provinces of Sa Kaeo, Buriram, Si Saket, Surin, Ubon Ratchathani, Chanthaburi and mainland Trat. This is due to ongoing armed clashes between Thai and Cambodian forces, which has included military strikes, violence and the presence of landmines. The security situation along the Thailand-Cambodia border remains unpredictable. Follow the advice of local authorities, monitor local media for updates and pay close attention to your personal security (see 'Safety').

We continue to advise exercise a high degree of caution overall in Thailand. There's an ongoing risk of terrorism. Popular tourist areas, including Bangkok and Phuket, may be the target of terrorist attacks. We continue to advise reconsider your need to travel to Yala, Pattani and Narathiwat provinces.

The Thailand MotoGP is in Buriram.

When I travel outside of my health insurance I get travel insurance. With travel insurance, if a "Do Not Travel" warning has been issued, and you still travel to that location, you will not be covered.

The above is an Australian government warning, and I have not received anything from my health insurance company.

Do I fear any danger going to the race, no. Do I think the race will be targeted, no, unless it's a false flag operation by the Thai's.

My question is, will my local health insurance cover me if I go to Buriram and something happens, whether that be an accident, illness, injury, or an act or terrorism / war?

Any thoughts?

Thai medical insurance policies shouldn't be affected by what a foreign government advises its citizens regarding travel to Thailand or within Thailand.

Thai medical insurance policies will have exclusions relating to injury or illness caused by war or warlike conditions and terrorism or martial law. Read your policy to see exactly what it says.

13 minutes ago, Etaoin Shrdlu said:

Thai medical insurance policies shouldn't be affected by what a foreign government advises its citizens regarding travel to Thailand or within Thailand.

Thai medical insurance policies will have exclusions relating to injury or illness caused by war or warlike conditions and terrorism or martial law. Read your policy to see exactly what it says.

It's a global health insurance company.

So, go to Buriram and have a heart attack, for example, covered. Go to Buriram and get hit by shrapnel, not covered. Right?

1 hour ago, KhunHeineken said:

Any thoughts?

What does you health insurance provider say ?

10 minutes ago, Ralf001 said:

What does you health insurance provider say ?

I didn't want to show my hand by inquiring.

3 hours ago, KhunHeineken said:

It's a global health insurance company.

So, go to Buriram and have a heart attack, for example, covered. Go to Buriram and get hit by shrapnel, not covered. Right?

That would likely be correct with respect to a medical insurance policy issued by a Thai insurer.

Medical or travel insurance policies issued by a foreign insurer may cover things differently.

You really need to read your policy to determine how coverage may apply.

19 hours ago, Etaoin Shrdlu said:

That would likely be correct with respect to a medical insurance policy issued by a Thai insurer.

Medical or travel insurance policies issued by a foreign insurer may cover things differently.

You really need to read your policy to determine how coverage may apply.

What I am concerned about is I go to Buriram for the race, perhaps I have medical issue, fall down some steps and break my leg, or maybe a car accident, and the insurance company does not cover me because they say I simply should not have been in that area due to a "Do Not Travel" warning, despite the incident having nothing to do with the armed conflict or an act of terrorism.

37 minutes ago, KhunHeineken said:

What I am concerned about is I go to Buriram for the race, perhaps I have medical issue, fall down some steps and break my leg, or maybe a car accident, and the insurance company does not cover me because they say I simply should not have been in that area due to a "Do Not Travel" warning, despite the incident having nothing to do with the armed conflict or an act of terrorism.

The best way to determine if this is an issue is to read your policy.

If you still have questions, discuss it with your insurance broker or with the insurer directly.