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Do I need insurance to enter Tai?
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No, I don't. But having been ill with dengue fever, on my 13th visit to Tai, I only learned that the main insurance against dengue does not insure. There is a convenient choice on the cherekhapa, you add options to yourself by ticking the boxes.
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Self-propelled or tour package?
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You don't need insurance to enter. It's for your safety.