Many Europeans of a certain age pull back the curtains in January in their home countries, take one look at the horizontal sleet and dream of escaping to Thailand. For some it is a dream that will never be realised. For others it is within grasp. And then...we come to the vexed issue of health insurance.

I am mid-sixties and currently pay £150 a month for private health care in the UK. I know for sure that many of you who do live in Thailand pay considerably more, but how much more? I suspect four times, five times, as much as you would in the UK?

Some keep a property in the UK to which they can return quickly if they do not have health insurance in Thailand but suspect that medically there is a concern (in much the same way, I suppose, that you would get on the first plane to Bangkok if you were in Cambodia and something demanded immediate medical investigation. Any thoughts/experiences/recommendations?