Impossible for anyone to know without seeing the actual policy wording unless you have posted it exactly word for word in your OP and with all the associated context. Are the policy conditions only in Thai? If they're in English, don't take your wife's word for it, with all due respect, she is not the insurer.
You mentioned having an accident, is it a health insurance policy or an accident insurance policy?
Why would you not want to ask the insurer (as they're the ones that will make the decision)? They cannot alter the policy conditions to deny cover, as you seem to be suggesting, just because you've asked them questions about the cover that they are contracted to provide.