Health insurance with pre-existing conditions

[deptrai]

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.

[JoePai]

Have you tried AA - I use them and they've proved good  https://www.aainsure.net/VIP-505