@John *******
And frankly I am surprised that you may risk the OX visa you obtained from the Sydney Thai Embassy.
Pardon me....
You have the BEST Thai Visa in the world and seeking to nickle and dime the insurance requirement.
NO other Thai Embassy or Consulate in the world offers the OX without PROOF of having the money required in a Thai bank account in your name only.
Suggest you look at the Thai Embassy website for Sydney And obtain the One year Insurance Policy with foreign insurance certificate. There are policies which offer higher deductible to reduce premium costs.
I fully understand you are reading the website's wording to show proof of insurance for the time period you are in Thailand.
Read further where it says ...
You are requested to get the insurance for one year.
Be thankful for the OX visa..
Would not risk losing it over the insurance requirement.
Good Luck 🤞
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