I’ve used Bumrungrad hospital in Bangkok in the past without insurance for when I really NEED assistance. Living in Cambodia and was in horrible shape by the time they flew me here. It was definitely a life threatening situation. Was told by several people to fly to BKK. It was a few thousand US but possibly saved my life. In the USA that treatment would have been into the six figures, easily.
health?? Pre-existing conditions?? All very important considerations. If you have significant pre existing conditions you need to make sure you have a substantial savings account in case you have issues as no company will cover those. A guy named Robert Jackson is an insurance broker and could answer questions for you.
In Chiang Mai I wouldn’t hesitate to get in contact with Rhys at elite Thai visa. Very knowledgeable and would be a phenomenal resource to help you out.
Asked my banker and she told me they no longer will create accounts for tourists. Said it created a large distraction and ultimately the bank typically loses money in the process. This was only concerning tourist accounts.