We had a few claims for medical issues and never reached the deductible, so always have to pay from our own pocket ,
My opinion ,if you can find other insurance Company what Thailand excepting for OA, with lower Deductible amount try it and calculate how much you will pay for your age /year may be is works better for you ,
(Unfortunately We had medical treatment few times
Ones 28Thousand Thb,other times 67Thousand Thb, hospital bill, can’t claim because didn’t reached my detectible limits,
well the problem is unfortunately we have to use few times already, never rich the limit with payment , so we just have to paid from my own pocket 4 different treatments in for different time , already close to 100.thb can’t claim nothing 🥹 and it’s not over yet , who knows 🙃