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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.

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