I never said that it won't work. I know it does. I am just trying to understand how and why the immigration accepted it. What will happen if you can't afford to pay the first 200,000 of the bill?
The immigration requirement is that the insurance shall pay up to 400,000 bahts (to avoid unpaid hospital bills was the aim of the law). If you pay 200,000 from your pocket, the insurance will cover only 200,000 which is below the requirement, wouldn't it?