I don't have a problem with Immigration interrogating people. Let's face is there are so many people who live in Thailand doing border runs it's ridiculous. What I am saying is don't have visa exempt just make everyone get a tourist visa online.
Why do Thai Immigration offer visa exempt to countries like Australia where I am from and then bitch about it when you try to use it. Why offer it at all if they are going to interrogate you on entry.
Try Nomad Insurance (Safety Wing). It does insure older people. It is American based I think. It is not cheap. I bought it for Thailand. I am an Australian aged 67. It was about $300.00 aud a month.
Thanks for all of that information. Very good of you to take the time. I will definitely investigate the situation with the Australian Embassy both in Thailand and in Australia.
I don't struggle to live on my pension in fact I only live on half of it and save the rest. I just dont want to tie my money up in another country. At my time of live I want my more flexibility than that. Thanks for your advice anyway.