Self insuring.
As someone who plans on living into my 90s I have given serious thought to the prospect of ever increasing health insurance premiums and decided that I would rather put the annual premiums safely away (after first seeding the fund with 1,000,000B) in a savings account.
I fully expect that if I did take out insurance by the time I get into my 80s, the annual premiums would be astronomical - never mind in my 90s!
Eventually I would have to stop paying and be left with no coverage and no medical fund safely stashed away.
I believe that now, at 65, is the time to make the crucial decision and start building up that self insurance fund.
The more I hear about Health Insurance companies - the less I am inclined to give them millions of Baht.