the medical insurance is no longer requt. Both my friend and I (at different times) have recently entered Thailand, we both have insurance, but we weren't asked at any point to show it
You need to keep a balance of at LEAST 400k all year round and 3 months before renewing you need to make it back up to 800k, in between you can spend it how you like. Better still get a year multiple entry and then there is no monetary requirements and just do a border hop every 3 months.
it depends on the price difference AND I don't hear foriegners complaining about our 3x 4x salaries so I don't have too much of a problem with this. Also, if like me, you have a thai wife or gf just let them do the shopping book the hotels etc. My local hospital charges 15k for foriegners to have a full medical but now they know I live here and have a thai wife I get thai rates