I used Thai heath insurance for many years, only one claim which was for a bad reaction to an insect bite, it was a 3 days stay in a private hospital. When I reached 65 years old the premium sky rocketed. So I gave the insurance away and I've never been hospitalised since. I've lived a moderate life style as I've got older. I don't eat fried food, sugar and limited salt. I have my own home so I only eat freshly cooked meals, mostly steamed. I've restricted my booze also I walk 90 minutes daily. I'm 81 years old and I feel fine, I've already told my wife if I get something serious that needs hospitalisation, if it's terminal then get me painkillers and let me die in peace in our home.
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