You nailed it! To be honest I prefer IBIS styles over HI Express - sounds so fancy. Or Formula 1 with shared bathroom! Dounds like fuel, fast cars and all the circus....

I agree health insurance is a must. Fortunately my insurance is vailed worldwide unlimited, additional my Amex offers unlimited coverage (not sure if simgle room etc but don’t think will ever use it).

P.S. Price of journey is one factor but not the most important. If the journey is more expensive it’s most likely the case with the insurance. Often it’s a percentage calculation. So in the end the loss may be high on the first view but if you calculate it it’s after 10 journeys or so the same cost risk relation. Additional one amount of money is not the same for different people.