I have consulted with Khun Montree-DHR Thailand. Insurer company cannot bring down the premium anymore as our claim statistic is very high(120%) and they have took from Hilton Pattaya / WA Bangkok) to discounted for us about 10%. This premium proposal reflects from actual claim record from loss ratio system.From my concerns, then I would suggest to consider of the confirmed with thisLook forward to hearing your kind advice, then I could further cooperate with Marsh company to proceed that could get it done as soon as possible.