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    I'm 79 yrs old Been in Penang for 12+ yrs Its changing lots not for the better, I'd considered the Hui Hin area as an alternative, see some posters on U Tube suggest Self Insurance, also I'm well over the monthly $$ income and or 800,000Bht requirement. Useful honest advice appreciated, Tq.         -@Paddy696

The meaning of being self insured is simply paying for every treatment yourself. It works if you're in good health,but it can be quite expensive if s**t happens if you get my drift.

@Paddy696

Isn't Penang in Malaysia?

    @Paddy696Isn't Penang in Malaysia?        -@Guy Dolev

Yes, do you have to ask that? He needs a change of scenery and try Thailand.

@Leeds forever!

Ok! A simple 'Yes' would do...

    I'm 79 yrs old Been in Penang for 12+ yrs Its changing lots not for the better, I'd considered the Hui Hin area as an alternative, see some posters on U Tube suggest Self Insurance, also I'm well over the monthly $$ income and or 800,000Bht requirement.
Useful honest advice appreciated, Tq.
   

    -@Paddy696

I am self-insured. I find that my medical costs in Thailand are comparable to my very small deductible in the US. I am probably in the same financial category as you.