you don't have to have insurance. I was merely suggesting why they didn't pay out. The hospital here handled my son's recent claim with the insurers. 125,000 tbht.
and if you have a hospitalisation or medical emergency before that 10 years? My son had a £3,000 hospital bill for surgery one year before taking out insurance. Then in 4 years has had 2 emergency admissions totalling £5,500. . All covered by insurance.