i'm having a hard time choosing the best suitable medical insurance for myself.

i'm a student at a university in Bangkok. and i just want to be insured if i become involved in an accident, get cancer, become diabetic, break a leg, that kind of thing

i'm on a budget, so i don't mind ditching luxuries. I don't need international coverage. I harly ever go to the doctor to check up on things.

hospitalwise, i don't need any private hospitals, and i don't mind sleeping in a shared room.

right now i'm trying to get the prices and packages on bupa, but it asks me my preference for things i don't know or understand.

it asks me for the Maximum benefit per day for room and board (2000+) but i don't know the average price Thai (bangkok)hospitals charge for that? what should be suitable for me?

and i guess it is best to opt for full cover of surgery, but still it's good to know, how much would a serious surgery cost? and an ambulance and intensive care?

it also talks about inhospital care and outhospital care, but in case of some diseases, like diabetis for example, you need a life long medication/treatment: does that mean i need outhospital care for that?

or is it better for me (since i'm looking only for coverage that will not make me bankrupt, whatever happens) not to insure things like medicine or a broken leg, since it's cheap in Thailand?

MANY thanks!

Moved to insurance forum

You should verify with your school that they do not already have a policy for students, many do - either a policy or an arrangement for free treatment at a gvt hospital