I am married to an expert in risk management so he's thoughtfully run the numbers and given he is in his late sixties and I am six year;s younger we factored in all possible variables and could not justify the high cost of health insurance. So we will wear the risk and, obviously, not ride motorbikes as too much to go wrong.
The only non Thai I know running a fitness business runs it totally online with clientele around the world. He's based in Phuket and trains and does personal coaching for high net worths remotely. Does not train on the ground.