Do major Thai insurance companies often stall and dispute payments to foreigners?
Yes but not because you're a foreigner. If the insurer can find external info that invalidates your claim, they may reject your claim accordingly.
Furthermore, some claims can be quite complex, and your insurer may require more time to carefully evaluate the supporting material. If this happens, your insurer may ask you to pay the medical costs yourself and then submit the claim to them for payment.
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