I can't tell you what to do, but I can say that I hear you loud and clear.
When I 1st came here a decade ago, no one would cover my pre-existing condition, 2 years later I found one that did through a broker, however the policy was for emergency cover only.
As I was just under 60 years of age, it all started out good, 70,000 per annum, which included my pre-existing condition, then the following year it jumped to 90,000 per annum, I questioned why the sharp rise, Covid claims, oh ok, I see, (not me), the following year 110,000 per annum, I questioned the sharp rise again, oh, you are now in the 59-64 year bracket, oh, ok, the following year 140,000, again, I questioned them and they said that they changed underwriters, oh ok, that is when I decided that I was not renewing and have been without cover for 6 - 7 years. I made zero claims, and they bent me over so to speak.
I also had my family on private cover, so the last 6-7 years worth of premiums that I have saved has been put aside, that is well over 1,000,000 baht in premiums, allowing for increases, say 1.5 mil baht.
I have reserves in case of an emergency, that said, unless it is something major, it isn't going to cost an arm and a leg, and if need be, and I can fly, I will go back to the old country where we still have Medicare, because we use it every 3 years when we return, so as long as we are not out of the country for 5 years continuously, we are good.
I have been to a private hospital a couple of time and it hasn't cost an arm and a leg for out patient procedures, that said, the University hospitals are quite good as are the Military hospitals, I have been told.