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Covid19 Insurance refunds?

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I am stuck with a Thailand Elite Visa so my understanding is I need to buy a full year of Covid19 insurance to meet the COE requirements.  The cheapest policy I can find is around 23,000 baht. 

 

I only plan to stay 45 days in Thailand.  Does anyone know if the insurance companies give an refund of the partial premiums if I cancel the policy early?

 

Any help is appreciated.  I have no idea how insurance in Thailand works and have never purchased it before.

Can't you come in on a tourist visa if you only want to stay for 45 days?

44 minutes ago, JayClay said:

Can't you come in on a tourist visa if you only want to stay for 45 days?

No

1 hour ago, marke985 said:

I only plan to stay 45 days in Thailand.

Then you simply write this in the Thailand Pass application and you will only need 45 days of insurance.

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