I had and still have medical insurance B4,000,000 cover. I was told by the insurance company that they pay the hospital directly. After 3 days in hospital the bill was B25,000. Hospital said the insurance has refused to pay. My wife called the company and asked why? They said we have to pay first and claim it back. we had the money to pay. so we did. put a claim in, took 3 months to get B23,000 back. We had to pay B2,000 for the service. Never trust a Thai insurance company. The sole purpose of having medical insurance is if there is a medical emergency, the funds are there to cover it.