It’s worthless, I investigated thoroughly. Don’t just look at the maximum but look at how much it covers per day in the hospital. The total you would ever use is about equal to your annual premium. You might as well self insure. If you don’t have much money, go to a government hospital. Some people are happy with the lower tier private hospitals, such as Canillian, St. Louis, or Bangkok Christian, if you can get to Bangkok. Outpatient treatment, doctor visits, excess, and most medicines are usually not too expensive.
If you are 50, which is most Social Security recipients, you are eligible for retirement visa if you put 800,000 baht in a thai Bank, or show a pension of 65,000 baht per month. As with anybody else, Social Security or not, if you keep trying to do visa runs and extensions, you will eventually run into trouble.
This is true. I had it insider at Agoda. They sometimes contract for whole block of rooms, Or even a whole Hotel, pay the owner as agreed, then sell the rooms on their site. As far as contesting the charges on your credit card at least if it’s American, they are taking a hard line. If it’s actual fraud, like someone stole your card number, they will help you, but if it’s a dispute over a product or service that you ordered, they are reluctant to help.  their online help will say that you have to call a phone number and be put on hold. then they want to mail paperwork to you. Seldom worth the trouble.
BKK It’s not that bad for arrivals, although you are sent to a central area after immigration and baggage claim. The problem is on departure, you have to walk through a kilometer of duty-free shops to get to your gate.
it wasn’t much trouble to get TV changed to non O, somebody argued with me then. 2018, then they passed the insurance rule. Glad i did non O. Didnt use agent. Coming up on 5th extension.