Why everyone is attacking the OP this group is for advice and he is asking for an advice not a criticism. If you have something useful say it if not move on. You don’t know his circumstances or his reasons. We are not always perfect and doing everything right. Come on everyone be kind.
I don’t have a problem with excluding the existing conditions I will pay for the that myself my issue is any other medical conditions or car accidents or something. I need to be covers for that but I can’t find a company in my country that will cover me. Any in Thailand?