Also if you're talking hoops look at what you have to go through to get a US visa and all the questions you have to answer including giving them all your social media accounts.
I've been paying a big amount too like 20k and I've no idea what is covered.. mr prakan seems like a good place to get clarification and get a less expensive policy
If you're a transit passenger you don't need anything else. Just check with the airlines. We flew through Tokyo several times and they only care about the rules in your final country
So I had to fill out a TM7 for the one year retirement and show bank book and bank letter showing the balance. Since I got the pass book updated by the bank and got the letter same day I didn't need to go to the atm to make a withdrawal and update bank book. The volunteers outside are very helpful too.
There were very few people at 2:30 pm in Chiang Mai immigration office.. it took just 15 mins to get the one year retirement. Thanks everyone
Thanks Tod I got confused because I did the bank paperwork etc in order to get the 90 day.. so I assumed all I had to do was show the funds were still there.