Thanks again!
I've had a policy with April International for 5 years now, and the one time I needed to be pre-approved for a surgery, the process was smooth and I didn't have to do a thing, as BNH communicated directly with April's representative.
I asked my broker why he's pushing Now, and he thinks the premium is more economical and the annual increases will be less than April's. But I think I'll stick with what I already have since there's no guarantee about future increases in any case, and it's better to use a company with a presence in Thailand.