A patient with private health insurance in Thailand is admitted to a hospital in Bangkok, and the hospital still asks for a deposit before it will begin treatment. Until that letter arrives, you’re treated as a self-pay patient, regardless of what your private health insurance in Thailand actually promises on paper. A serious cardiac event or trauma case in a Bangkok private hospital can run from 500,000 baht to 2 million baht without much difficulty. Is the hospital you’d actually use in that network, not just “a private hospital somewhere in Thailand”? Private health insurance in Thailand can be entirely real and still leave someone exposed in exactly the moment it was supposed to help.