After several telephone conversations I have partially succeeded in altering their position.
The children can be included under Personal Accident but the maximum cover able within this Section is Baht 5 m. Thus, it could be Baht 1.25 m each ( for the 4 of you ) or Baht 2.5 m for you and your wife.
I have also requested a separate quotation for PA Insurance just for you and your wife at Baht 5 m each. Hopefully it will come this afternoon.