I use IHI BUPA. Covers everything no limit with the exception of professional motor sport. I have had medical attention needs a number of times, but really if the bill is under 10k baht, I do not claim. I do not know if what I pay is excessive or otherwise, but I do not care coz I know the insurance works when necessary. I too always have my insurance card, copy of passport, and my visa card in my pocket. I have read so many scary stories of people in Asia without insurance, I would never take that chance. I hope things work out for Mr. Holmes, but to be honest, comeing to Thailand with insurance that covers £1400 is worse than naive.