Hi - axa insurance cover your hospital stay if you test positive on arrival but are asymptomatic? Any experiences?

Going for 28 days in jan-feb

Best insurance (one that covers hospitals costs If I test positive)

Also a hotel in Bangkok that does the transfer, pcr test all inclusive

I have a question about health insurance. I'm thinking of taking out a health insurance with a quite high deductible to keep the premium at a reasonable level. But I already have an insurance with my Thai bank that covers me for up to 50000 per time in hospital. I'm thinking of running both insurances to cover for the big event and for the small event? Has anyone done this? Is it legal?