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Russian Standard Bank offers free (1000 rubles payment is returned later) to issue a Union Pay card. Does anyone use this? Does it work seamlessly on Koh Samui?
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Insurance is always needed. This year we made out at Tinkoff, my husband took advantage of it, turned to the ENT. First, I contacted the insurance company by whatsapp or telegrams, they sent me to the hospital.
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Now on Koh Samui. It works without any problems.