If I take a THB 5000 excess then Roojai is quoting THB 19,000 BUT with an insured value of THB 850,000. Without the excess it would be around THB 25000.
On paper it's a no-brainer but I don't know anyone who's ever made a claim with Roojai. All insurance is easy to buy; it's not till you have to claim that you find out what they're really like. I looked at their financials for past 5 years and they've lost money every year (last year being the worst: THB 220 million plus loss on revenues of THB 280 million, revenues being down almost 50% over 2022).
You can not cope with Thailand.
Looks like you struggle to cope with Chinese and Russians on this thread and you are always harping on about Muslims.
Best you stay where you are.
Nobody will miss you.
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