I had health insurance for two years in Thailand. I got suspicious about it, so asked the insurance company for a copy of what is covered etc in English and they refused.
I asked someone qualified what I should do and was advised to cancel it so I did.
If I had kept it going I would not have made any claim, and after paying out several hundred thousand Baht. I would have probably been told I was too old then cancelled it and that, after the insurance company took all that money from me.
For expats to take out life insurance, it has to be genuine and fair, as it is now it is just a rip off.