In my humble opinion - this is not a satisfactory health insurance, regardless if one is employed by a multinational company - or if one is an expat working on an individual basis. It provides cover only in case of an accident. Also, it will only provide cover if you transfer money out of Thailand using 'deemoney'. To The best of my knowledge - most expats working in Thailand have already an adequate health insurance via their employer, hence the coverage is at best a 'double indemnity' which will be redundant as the bill will be paid only once. However - just my opinion.