I have lived in Thailand for 3 years but still have no health insurance. My health is fine now but I am turning 40 and worried about major illness costs. Private hospital treatment in Thailand is very expensive. A friend paid 120000 baht for an appendectomy. I want to buy health insurance but dont know where to look. It needs to accept foreigners and cover both inpatient and outpatient. My budget for annual premium is under 30000 baht. Any recommendations?