I went to 2 private hospitals and asked about this insurance --- The BKK group and another large private hospital here in Issan.
Both said that with this insurance you would need to post a bond before the operation. Asked how much the bond--Answer = Depends on the operation. (but they want to cover themselves)
Guys dont wait for someone you dont even know tell you how good it is--or that its not good. Go into your hospital (or phone) ask for the overseas dept and find if your Hospital of choice will do the operation and bill this company.