Is there any other advantage to purchasing a health plan with high room and board coverage?

The room and board rate that you choose determines the premium charge and defines the overall level of your coverage. Each plan has built in limits for each area of coverage, for example, surgery or outpatient accident care. Increasing the daily R & B benefit increases those limits as well.

Tony’s Tip
When purchasing health insurance for a Thai who was born and raised in Thailand, there is a good possibility that he or she may require a lower Daily Room and Board benefit than you require. For example, if you require 4,000 baht a day Room and Board, your Thai partner may only require 2,000 baht Room and Board. Hospitals that cater more to Thai patients are usually cheaper because Thais are much easier for them to care for, for obvious reasons. While hospitals catering to Westerners tend to be more expensive, because Westerners tend to be more demanding, require English speaking medical care providers, have to have special food prepared for them, and expect more of the kinds of amenities found in Western hospitals. Chulalongkorn Hospital, one of the top government hospitals in Thailand, mentions on their website that Western style hospital care can be provided as an option for a higher cost.
When buying insurance for a Thai Significant Other, don’t just assume they need the same amount of coverage you do. Talk it over together, and then have your T.S.O. check with the hospital she or he would prefer to use. It could save you some money.