If you ask an insurance broker if you need insurance, they’re almost certain to tell you yes. I have dozens of insurance policies and I am a firm believer in covering your ass, but with health care, I take a slightly different approach because I live overseas. As an English teacher abroad, I always had basic health care covered by my employer. Nowadays, I have an accident policy and I write my own insurance policy against myself that is heavily discounted because of my knowledge, experience, ability to travel, and healthy lifestyle. Something could always happen and there are definitely fluke occurrences that take place every day, but I have taken appropriate precautions and feel comfortable with the system I’ve been using for years. One topic I did not get into in this video is health care for English teachers. In most any country you decide to teach in, you will be provided with health insurance coverage. The value/overall quality of the coverage and services provided in your home country will vary greatly. Some countries have fantastic healthcare and others are not very good and I’d recommend you have a Plan B in case of an emergency or serious ailment.
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60 Minutes Report on Bumrungrad hospital:
Video credits to BenTeachesEnglishOverseas YouTube channel