That’s the most impt thing to me in buying insurance - to not pay out of pocket the big hospital costs like accidents and emergency services. Last thing I want is a disputed huge hospital bill after I have paid.
only used the AXA Sawadee Traveler. The main reason I use AXA in Thailand is that for major accidents, the hospital bill AXA directly. So nothing out of pocket. Downside is it’s only 30 or 60 days.
For outpatient - one has to go through the process of claiming etc. hope this helps