You are confusing the requirements to BUY an O-A visa from a thai consulate in your country with the requirements to get a year extension of stay from the immigration office inside the country.
There is no medical certificate or background check required when applying for a year extension.
If you're using the 800K baht banked money you need the funds in your account for 2 months on the date you apply for your extension (not when your current stamp expires). You need to have the
******
insurance from one of the 13 approved thai insurance companies (Pacific Cross is one of those) and you need to have the rest of the required documentation listed on that sheet.