Pacific Cross, in Patient only, 40.000 deductible, 3 Mio insured, 41.000 per year. 62 years old. Valid only in Thailand.
Never claimed anything as they give nice discounts, 10%, 15%, 20% if no claim.
A sickness does not have a fixed price, eg a stroke with 2 weeks ICU will cost 3 Mio if you are insured up to 3 Mio.
Should you have a "better" insurance, say 20 Mio the same thing will cost 18 Mio.
If you have only 500.000 a government hospital will do it for that.