Why are expats struggling to get health insurance in Thailand with pre-existing conditions like cancer or heart issues?

Many expats in Thailand are finding it increasingly difficult to obtain health insurance if they have pre-existing conditions such as cancer or heart problems. This contrasts with the previous ease they experienced in acquiring insurance before the COVID-19 pandemic. Community members have shared mixed experiences, with some reporting acceptance from certain companies like Luma and rejection from others like AXA. The conversations have also touched upon concerns about short-term insurance options and how they interact with visa renewal processes. Overall, the prevailing sentiment is a challenge in securing necessary healthcare coverage due to recent underwriting changes.