Jomtien is inconsistent, I never do TM30 when I return from overseas and never any prob, but I’ve witnessed several people be fined for doing the same. I always use same IO for consistency 🤣
Why are you renewing OA, come in on tourist visa and get O with no insurance requirements and no hassle - still have the insurance but dont need to prove it
Cigna Thailand (local Cigna company) was approved previously but they ceased operating a year ago, now there is only Cigna Global which is not approved.
Use an Australian company ONLY, as you have better legal protections and recourse if anything goes wrong with a claim - use HCF overseas visitors cover etc