Maybe you are thinking because it states insurance with $100,000 Covid. Not 2 separate, Rolled into 1. I got Luma, easy, fast, good customer service,but you pay the medical bill then bill them for reimbursement.
BKK. Clover Hotel Asoke, This is my third quarantine and I have exercise equipment, but I felt cardio was definitely missing and here every room gas a bike
Maybe confused with the language. Nowhere else have I heard you will get visa before all other documents (except medical) are handed over and then they give you the visa and COE.