What is the best travel insurance for medical reimbursement while in Thailand?

Travel Insurance: I'm looking for the best travel insurance for medical reimbursement in the event of emergency. I don't care about reimbursemet for all that other junk they throw in or even for trip cancellation, just the best medical reimbursement. One name keeps coming up: Faye. From what I can tell they are primary payor, so they pay first and pay directly to the Bangkok hospital of your choice. (Many other insurers YOU have to pay then they reimburse you whenever they get around to it). What I've done is entered my information and set the trip cancellation amount to as low as allowed ($1000) to get the lowest premium, and that gets me $250KUSD medical insurance. I was just wondering if anyone has bought Faye in the past or actuallly had to use them and what the experience was like. Thanks everyone. BTW lots of people say travel insurance is a waste and I used to be one of them until I ended up in Phyathai2 for 10 days from acute respiratory arrest. Try talking yourself out of that one with no insurance and enough cash for about 1/10 of the bill.