MiniMee, the army does indeed issue insurance. All soldiers who leave the barracks between 7am and midnight are fully covered. I'm not sure about accidents which occur inside the barracks.
Insurance policies issued in Thailand's are among some of the world's most comprehensive - and the premiums are very competitive.
To get back on topic, I know that Scottish Guy has taken advantage of these policies on numerous occasions in Thailand. I'm not too sure about Latin, though. I doubt he would need any kind of insurance. I mean, he can only get injured if he falls off his computer chair.
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