Yes, i've had one a while now.
You always need to have in your a/c double the amount of your limit eg 100K limit, balance cannot fall below 200K
This is without a WP, with a WP i believe it works like a normal CC without the balance criteria.
The ointment is fantastic and very effective, the cream not so much so ( in my experience ).
The ointment in Thailand is about 180 baht for 5g, i travel a lot thru Dubai and can get 4 x 25g for approx 600 baht so i load up each time.
Been with the for about 4 years now, had an op last year that cost about 180K, no issues with them covering it.
I find them good to deal with.
I pay about 200K p.a. for myself and the wife.