In the past, as I remember, those who don’t fall into Social Security Scheme or Civil Servant Medical Benefit Scheme (CSMBS), will be categorized into the NHSO and received Gold Card to present at their primary hospital. But the gold card was discontinued, we currently use Thai citizen’s ID card.
What you asked about a gaming system.. It comes from when insurance companies launched insurance campaign packages only for COVID-19 infection, also known as “Confirmed, Paid, Done”. For example, if customers buy a package of 990 THB, when they got COVID-19 positive confirmed by PCR with medical certificate. Then they would be able to claim for 100,000 THB, regardless how much the actual payment is. During an early outbreak of COVID-19, there was a few confirmed cases in Thailand. But when there was a surge of positive cases, the insurance company started to bankrupt and not to pay for those confirmed cases. Yet, some people were tired to make themselves become positive because they wanted 100,000 THB from buying the insurance package.
You can read it more on cancelled their COVID-19 insurance policies