What are the best annual health insurance options for expats aged 60 to 80 in Thailand?

Annual In patient Health Insurance.

I am looking for annual health insurance that carries from aged 60 to 80yrs+.

I seek advice from people who have had both good and bad experiences when actually making a claim. Companies like Pacific Cross, axa etc have policies but its peoples personal experiences that matter.

I am in Bangkok and understand that the Insurance broker used is equally important as, although they all get standard commission on sales, their support and communications in making the process of claiming, simple, is crucial.

I don’t seek 5 star accomodation or VIP treatment, just a policy to cover all expenses, paid directly to a hospital for serious unexpected events like stroke, heart attack or serious accident. I have no health issues.

I think any advice/ experience from members and even brokers will be helpful to all members

Any advice greatly appreciated.