What are the latest insurance requirements for a Non Imm O Visa holder in Thailand and how early can I apply for an extension?

The user, an Austrian holder of a Non Imm O Visa, is seeking advice about new insurance requirements for visa extensions expected to take effect on September 1. Comments indicate that while current insurance coverage (40,000 baht outpatient, 400,000 baht inpatient) suffices for upcoming applications, a new policy will require higher coverage (around 3 million baht). The user inquires about the ability to apply for extensions before the current visa's expiry to mitigate potential insurance issues. Several comments affirm that applying for extensions 30-45 days prior to expiry is generally accepted by immigration offices.