@Cat ******
I had it for over a year. Agents say most large Hospitals in Bangkok take it.
It is good worldwide except USA. And Covers Covid. They issue a form verifying this but I had to ask my Agent fot it.
But I am in Cambodia now and when I pressed him I got the impression they have had issues with the smaller hospitals in Phnom Penh. He recommended the largest hospitals. Especially International hospitals.
I am sure the smaller hospitals would take it but they are going to pressure you for self-pay. Probably the same with most Insurance Companies.
Never had to use it. So I cannot vouch for how seamless it is. Have not heard anything good or bad about them online. Except their own advertising.