I wont name and shame here but I ve been insured with one company here for a long time . I went to the doctor with a torn meniscus , Had the MRI done he said surgery is the only way to fix it . Set up the surgery sent off to the insurance company , we went back and forth a few times . When I thought it was a done deal to approve it . They email me and ask me to do a more less invasive treatment out patient that they dont cover . My doctor had already told there doctor that would not fix my problem . I went and had the shots 3 of them one week apart . No relief , I found myself in a hotel room packing my knee with ice and hunting pain killers. I email the insurance company tell them going back to the doctor Monday to arrange surgery and I dont expect any problems out of them . I did just that we set the surgery sent everything to the insurance company . We gave them two weeks notice , finally after calling emailing and keeping after them they approved it . I paid the first 20,000 baht and 20 % after. I paid out 53,000 they paid out 138,000 . I still had 29000 out of pocket to submit. 8000 for the MRI , 12,000 for surgery pre screening and 9000 for the shots . I sent that in They denied the shots even though they requested I get them . They paid 6700 baht on pre screening . They denied the MRI because it was less then 20,000 baht . I was upset to say the least . I was ok with the 9000 because it was out patient . The 6700 on the pre screening I was ok too . But the MRI should have been covered . My policy states 20,000 deductible per disability . I spoke with them sent a copy of my policy showing them . No response now they wont return my calls or answer my emails . Clearly they do not know how to treat there customers and they say they are a world class American Based company . I will think hard when my premiums are due again in 6 months .. Insurance companies are great collecting your payments , but reluctant to pay claims ...