This is how Thailand works... they want it ALL, and they want you to be grateful... as for Bangkok Hospital, I recently (two months ago) had a heart attack. I had previously paid for all the Insurance requirements one would assume I needed. BKK Hospital required a 200,000 baht deposit before they would treat me. The final bill was 225k baht. for 2-1/2 days in continued care. The Insurance DENIED the claim due to what they call pre-existing condition. THEY WANT IT ALL... and YOU TO BE GRATEFUL!