laws only matter if there's enforcement and if the penalties outweigh the benefits.
Unfortunately Thailand is lacking in enforcement and especially lacking in meaningful penalties. Most of the time the fine if caught is less than the benefit of a single successful instance of breaking that law. And since the odds of getting caught are far less than 100%, it always makes sense to break the law according to game theory.
It's not a Kasikorn bank requirement. But it might be a requirement for the branch you went to in order to make all the paperwork required for them to do worth it.
Do you have a non-immigrant visa? A certificate of residence from immigration? What happens if you tell them you want the bank account without the insurance?
You can try other branches or other banks.
Worst case scenario is you bite the bullet and purchase the insurance. You might even be able to cancel it shortly after for a refund.
most agencies now will only assist opening a bank account if you're also converting or extending a non-immigrant visa with that agency. I don't know of any agencies that can do bank accounts for tourists anymore.
You can only get a DTV from a Thai embassy or consulate. Obviously there are none of those in Thailand.
You must physically be in the jurisdiction of an embassy to apply there, and must remain until the application is processed. This takes anywhere from 3 days to 1.5 months depending on the embassy.
You go to Laos. Then you submit the application online and upload your entry stamp from your passport.
Then you go to the embassy/consulate between 9-11 AM to pay for your application.
Then you wait and should get contacted in 1-2 weeks with an appointment to come to the embassy for an interview, and that date is usually another 2 weeks after the notification.
After the interview you usually get the visa before you can even get back to your hotel.
Sponsorship letter is for a dependent that is applying for DTV based on another DTV. Like a wife applying based on their husband, or a child applying based on their parent. The sponsor letter states that the primary person will be responsible for the financial aspect of the application.
You would fill out their TDAC form linked above, put in your information, and then when you submit the form, there will be a little pop-up that offers you the opportunity to purchase safe entry. Fill in how many times you have entered and how long you've spent in Thailand, and it will give you the price.
okay. I'm done trying to help. You refuse to listen. I and others have told you that it's not a requirement. I even told you how to verify that it's not a requirement. Yet you insist on hobbling yourself with a requirement that doesn't even exist. Good luck.
forget about DTV. Apply for the correct visa. Your sister got information about the non-OA retirement visa. That's not what you want. Apply for the non-O. Stop asking questions. Stop doing other things. Login to the e-visa system and start the application. Use the same options in the photo I uploaded. It will show you exactly what's required, and background check will not be one of the things it asks you to upload.