Which health insurance companies are recommended for coverage in Bangkok with a 3-5 mill baht limit and 100k deductible?

Hi everyone,

I am looking to buy health insurance in Bangkok. I am looking for 3-5 mil baht coverage with low payment and 100k deductible. I am only concern with major surgery/treatment with more than 200k baht. Anything below 200k treatment, I am willing to pay out of pocket.

Does anyone have any experience with these 5 companies below and which one to recommend?

Cigna

Dhipaya

AXA

Luma Health

Pacific Cross