I have the 1-year non-OA visa and the application process was relatively straightforward.

For the mandatory health insurance, I recommend purchasing from a Thai agent/insurer to avoid any issues with meeting the requirements and the proof of insurance documentation.

When I arrived in Chiang Mai, the immigration officer requested proof, and I showed the complete Thai/English policy plus the receipt page with a red "PAID" stamp. Make sure to tell your insurance agent that the policy must meet non-OA visa requirements, as there are specific minimum coverage amounts that need to be met.

I believe I recently read that travel insurance is only valid up to three months.

If you plan on being here a year and WANT health insurance, there are Thai insurance brokers or insurance companies that can help you get sorted. I used AA Insure, though there are others.

Are there any Schwab-based methods to avoid fees?

@Polat ******

Adobe Acrobat Reader is their free PDF software. Adobe Acrobat is not free except during the trial period.

@Brandon ***********

Thanks again. They sent the visa on Saturday (today) morning which I never expected.

It appears that there is nothing to worry about. Thanks everyone.

I reached out to the insurance, and explained my situation. We'll see what's possible.

Thank you. How do I correct the error? There appears to be no way to access the application.

@Wannikea ********

Yes.