It is a well known fact. Hospitals, Medicare & Insurance companies are doing a roaring business hand in glove and does not care two hoots about the patients - money first. This is International.
Small clarification please, re WISE.
I top-up the WISE account with a bank transfer/debit card etc.? Any possibility to do so with cash?
For example if I am sending AUD 1000 to my Bangkok Bank account, the Recipient gets THB is correct?