Age 55. I have some pre-existing conditions and have been rejected by three insurers so far. Cigna Global Silver (rejected "after careful consideration" within 10 minutes of application), AXA SwitchCare4 & Allianz Beyond 6. I was expecting them to exclude coverage for any cardiac related events due to my hypertension, high cholesterol & relatively high calcium score, but they all outright rejected me.
One of the widely recommended brokers from various Facebook groups suddenly stopped responding to my emails the moment after I sent her my list of pre-existing conditions.
Are there other companies that are more likely to accept me, with exclusions? I’m especially concerned with coverage for cancers, which I have no history of.
The three policies I applied for all have maximum annual limits of at least 30,000,000 THB. Am I more likely to be accepted for a policy with lower maximum limits? I’d be satisfied with a 15,000,000 THB annual limit. If it was all that was offered, I may even purchase a 10,000,000 THB policy.
I won’t consider WrLife and can afford to self-insure in Thailand until US Medicare age (65) but would rather not.