A friend of mine had a health check up done which was paid for by his employer here in Thailand. E was found healthy without significant problems. But on a scan they found a very small nodule on his lungs wich was included in the report but favoured benign and no reason for further examination.
He totally overlooked that note in the report as it was found to be of no importance and forwarded the report with his (Thai) health insurance application. He got accepted, but received a letter 2 weeks after acceptance and initial payment, saying that they accepted coverage, but with exclusion for any lung ilnesses. When he declined, requested termination and a refund, the agent told him that this info would go into a database and other companies would know about it.
Would this be true? Would this be even legal, considering privacy and medical info? He'd have options with other companies where no medical checks are required on application. But of course he'd have to check the "never refused/limited coverage" box in most cases.
This privacy issue is what worries me the most as I would not like my medical info to go around.