My friend got insurance in Thailand with a Thai company AIA Thailand limited. I took mine with a western company or they target western people. But he has a wife and child so they cover everything for them all.
Normally a girl should pay more money then a guy but in this case the insurance company has funny policies. They say because he has a bigger body he is more likely to be hit by a car then the girl.
They made an example
If the car hit you from behind and you are bigger then your wife it will hit you not your wife if it is very close.
Come on, I can understand that fat people get a higher premium but not just because you are from another country. But I rest my case this is Amazing Thailand everything is possible.