I have personal health insurance with Pacific Cross which has a 40k baht deductible. I top this up with a Chubb PA policy which includes, amongst other coverage, coverage for accidents up to 100,000 baht.
I can confirm that my Chubb policy definitely covers me for broken bones having made two claims, once for a broken thumb and the 2nd time for a broken leg (both of them motorcycle accidents).
The Chubb policy costs me just over 5k a year and includes my wife (presumably its calculated on age, I'm in my sixties).
Bradiston being quoted 9k for similar coverage seems very excessive.
"Plus, some insurers will look at what other policies you have. If you have motor vehicle insurance, a health insurer might say that that is the prime insurance provider if you suffer injuries as a result of an RTA. They might step in if the funds from that policy become exhausted but I'm not in any ways an expert. The whole things a minefield. "
When the claim for hospital treatment for the broken leg was submitted to my insurer, nobody asked me if I had motor insurance coverage. I used a combination of the government insurance/Chubb insurance to cover the 40k deductible that I would have otherwise been responsible for, there was some initial confusion on the part of the hospital as to who was covering what but my insurance agent, who speaks reasonable english, dealt with any queries they had.