I have been with Cigna Global for years. They offer many different options and their prices are quite reasonable. One of the things I like best is they pay the hospital directly, which means I don't have to pay first and then wait for a reimbursement. The only out-of-pocket expense I ever have is paying the deductible. Also, there is no cut-off age. As long as you pay the premiums they will insure you for life no matter how old you get. In my case I have it set up to pay my premiums quarterly and they simply deduct the amount from my Thai bank account.
They have always paid without any problems at all and have never rejected payment. Too many insurance companies try to get out of paying or prolong it as long as they can. Nothing like that happens with CIgna.
They will insure you anywhere in the world except your home country, so it's best if you don't spend much time in your home country. It is, after all, expat insurance.
As for pre-existing conditions, they might refuse to insure, but that is rare. They will more likely give you a more expensive premium or your pre-existing condition will be an exclusion. In my case, the only exclusion is anything resulting from high blood pressure. I don't know why they made than an exclusion. but I have no objection. I do not, and have never had, a high blood pressure problem.
Don't try to hide or lie about any pre-existing conditions. Insurance companies have their ways of finding out.
I urge anyone looking for expat health insurance to check with Cigna before committing to anything else.
https://www.cignaglobal.com/