Health insurance type, healthcare utilization and out-of-pocket expenditure in the face of COVID-19: Evidence from Thai national survey data

Overall, the results suggest that Thailand's universal health coverage system has continued to live up to its promise of access and financial protection in the face of COVID-19, despite existing fragmentation. Notwithstanding, this study highlights that universal health coverage is an ongoing effort that requires careful monitoring, inter alia to mitigate undesirable consequences of fragmentation and to ensure that high-need and other vulnerable persons are not left behind.