I have a Thai friend who lives permanently in USA and has dual nationality. He arrived in Thailand early December and had 14 days free quarantine. He is returning to USA next week after obtaining his "Fit to fly" certificate.
Just don't make a claim. I was insured for 1.5 million. I had surgery for 600K and they paid without any problems. When renewal time came, they simply threw me out as I "was too expensive to have".