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  1. Of course you get what you pay for but there are two points. Firstly most on here seem to assume that it's not they that will pay. Secondly, really an extension of the same issue, there's a willingness to pay for cover that isn't even wanted - or is that an ignorance of what you really are buying? You are also hiding the fact that you can buy insurance from multiple Thai companies, activate all against the same claim or leave some unused on that occasion, and the cost is likely to still be less than the one expat policy - depending on age, etc, likely way less.
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