You have not got 60 million baht of worldwide cover PLUS outpatient cover for 65k baht. Not in a million years. a 40 year old with AIA with 25m cover, and NO outpatients cover, ONLY for use in Thailand would be paying circa 70k! I've got the table in front of me 😉
You're probably not in profit yet (but close) - a heart bypass will cost more than that at a good hospital, cancer will sweep past that with a huge add on if you want the latest targeted drugs and avoid the chemo. I was in the same frame of mind as you for years, but decided I would need circa 30 years of insuring myself to break even, if hit with something serious and wanted to choose the doctors, hospitals and treatments that insurance would give me so I jumped ship. Still, everyone to their own. Hope you continue to be lucky.
You hope, depending on where you come from, US or UK passports are extremely valuable and can be sold for thousands which means chaos for you every time you travel.