@Alicia *****
I looked at my previous policy, it only mentioned the 3.5m thb covid cover and that's all immigration were concerned with. I got my visa extension today using the FWD policy. Regarding the benefits of other policies, I don't expect to make any insurance claims, I've had covid already and if I have an accident it would probably be doing an activity not covered by insurance. For me the insurance policy was purely to get the visa extension which it did.