What should I consider when getting health care insurance with pre-existing conditions in Thailand?

When considering health care insurance in Thailand, especially with pre-existing conditions, it's important to understand several key points. Pre-existing conditions are often permanently excluded or excluded for specific periods, depending on the insurance provider. Many insurers may not adjust premiums based on pre-existing exclusions. It's advisable to consult experienced insurance brokers or agents who can clarify the terms and help you find a suitable plan. Others have suggested that while some UK-based insurers may have moratoriums on pre-existing conditions, this feature may be less common in Thailand. Additionally, obtaining multiple quotes and understanding the claims process are crucial, as some users have shared experiences of lengthy claim processes involving extensive checks.