My family are owed 200,000 baht. Wife (100,000) and two kids (50,000 each). They all caught Covid-19 (PCR tests confirmed). I was lucky and dodged it (my policy/1yr/no claims/expired). Suffice to say that any dealings with a Thai Insurance company about any type of voluntary coverage are not going to happen in the future. Even if they were forced to cough up by the courts the trust in their industry has evaporated. They took our premiums and.......what, laughed?