it was for me until they tripled my premiums,despite no claims. My 'misdemeanour ' was a birthday which Cigna said put me in a higher risk pool. I cancelled. Of course.
I only know of one case with Chinese owner and tenant in Chiang mai. Tenant had all necessary docs but was refused and owner had to attend, for initial tm30 to be issued. Not sure if that is general at CM Imm.
I use Wise from European bank to thai 3rd party frequently . In the past from a spanish bank I had to do multiple wise transfers to overcome the banks daily limit.
Be very careful. I was with Cigna. Never claimed but after a birthday they tripled the premium. Said I reached a higher risk pool. Yeah I got a year older! So whatever they quote initially they never guarantee to only increase relative to Inflation. I cancelled and use saved premiums to pay as I go. But bills for surgery etc are not cheap