My experience is that getting your claims approved needs a combination of a decent insurer, plus an experienced salesperson / broker who can guide you what to say / not say to the hospital and insurer
- Personal income of no less than $80,000/year in the past two years before applying for the visa. In case of annual personal income below $80,000 but no less than $40,000 in the past two years, applicants must have a master's degree (or above), own intellectual property, or receive Series A funding
- Health insurance policy of no less than $50,000 coverage through the entire period of stay in Thailand or social security healthcare, which insures hospitalization treatment in Thailand.
- At least five years of working experience in the relevant field to the current employment.
- Current employer must have one of the following characteristics;
(a) a public company listed on the stock exchange in any country
(b) a private company that has been in operation for at least three years and has total combined revenue of more than $150 million in the last three years
So no, doesn't seem to cater to wandering nomads..