@Michael *******

The OA requires medical insurance.

The Non O does not require medical insurance.

That way you can choose your own medical.

Not what immigration say.

I understand.

You will be okay.

Goodluck.

Great food in Penang.

Cannot help you..

Wish you every success.

@Joakim ********

As you used an agent.

It is probably better to continue using a agent for both your 90 days and extensions.

You need to look at the TM 30 as well if the agent has not already done that for you.

Read what Tod Daniels and James Miller have said.

They are correct.

@Karl ********

Sorry.

Forums are great for helping each other and often some humour is a big help at times.

But people should stick to the subject because people are genuinely looking for help and that is what we should all be doing if we can.

What always gets me is when someone askes a genuine question and wants help.

Some give a good reply.

Some go off on there own tangent which has nothing to do with what has been asked.

While others give wrong info because they have no idea what they are talking about.

This applies in lots of forum subjects.

The OP goes away more confused than ever.

Please read what is written by the OP.

Land crossings are 2 a year.

By air is up to the discretion of the immigration officer.

And more than 2 by air is not usually a problem.