He said he wants the retirement 'O' visa. It's not a visa but an extension of a three month non immigrant 'O' visa. If he gets the visa extension, you cannot extend it by three months to give you 15 months. You have to apply in your last month for a new 12 month extension. A 12 month non immigrant multiple entry 'O' visa is the only one that can be extended to give you 15 months.
Actually it was discussed very recently by David Cameron & the Thai Prime Minister to facilitate easier visa access to the UK for Thai Nationals, along with a discussion about the probability of a free trade agreement.
Are you sure about not being able to use Wise for international transfer? I've been using Wise for years and have PDF'sfor every transfer, plus my UK bank statement which confirms transfer of funds from my UK bank-Wise-SCB Thailand.
If/when I get to go back to los, if I need a hospital I'd go to a Government hospital because if I had to pay for hospital I'd rather my money go to a government hospital than a private one.
All private health insurance is unethical. They can call the UK NHS all they want, it's overstretched because of all the freeloaders crossing the English channel in dinghies and trucks, plus all the indigenous who take it for granted with their shitty lifestyle habits, but I cherish OUR NHS.