It's very messy, yes, difficult to get an answer, I'm also trying to figure it out.
It looks like a good non thai issued policy may cover it, but not easy it gets accepted during application for thai pass. You may be covered for 1,000,000£ but get rejected because the system don't understand that's bigger than 50,000$, and so on.
As for thai policy, axa, luma etc I dare you to get a non questionable answer to your questions, rules have changed in the last few days, nobody knows for sure and many people have different opinions.
Russian roulette? Yes!