They are really severe symptoms, you could need hospital with less. I had a common thai insurance, expired January. A month before I received an impressive package. Policy, card. I though wow they are renewing it! All in Thai. I had SO call. They say this was the expired one. All they offer is if i die-they sell 1 MB life insurance if i die of covid
Wise is now limited to 50,000 baht per transaction except for 3 banks, and other than Bangkok bank may not show it as international, you have to be careful
Elite still requires 90 day reporting and annual extension if yiu don’t leave Thailand that year. I think TM30 as well. Seems to make sense if under 50 and you are willing to pay the price. I got non O retirement, i think it was ฿2000 to start and its ฿1900/year, plus ฿3800 for multiple re-entry permit if you travel.
If all else fails, and you need to get this done, and agency can help you get an account without the certificate. Thai Visa Centre is often mentioned, there are others. When I open my account at Krungsri, I got the certificate from my embassy, American. However, nowadays, because of Covid, that may be more difficult or require an appointment in advance, check with your embassy Embassy