Insurance is a good thing to have especially if you don’t have your own personal Insurance, we got ours with Bangkok Bank & it covers us for an accident on moped or car, & it’s not expensive at all.
we used the Thai embassy online in Hoi An Vietnam & only asked for bank statements from our joint account showing 500k for both of us in our one joint account. But like you say each embassy is different.
yes they are they excepted mine & my husbands UK joint account for the DTV Paperwork & we then transferred the balance into our Thai bank account & all was ok. Don’t need money to cover your husband it’s 500,000 for both people I am my husbands dependent on DTV & we were only asked for 1x 500,000 bht for the both of us … the money does need to stay in the account at this amount though.