If you intend to be in Thailand long term then you’ll want medical insurance and travel insurance.
Travel insurance generally only covers for x number of days, but works well for flight delays or lost baggage and such.
Medical insurance is probably way cheaper to buy in Thailand. Check out policies from AIA, AXA, Luma, Allianz etc. buy direct from the company rather than a brokerage site that claims to offer the cheapest deals for expats.
Point of being pedantic but you don’t hold an English passport. You may well have a British passport, and if you do you can travel to Thailand and enter visa exempt with a stamp for 60 days.
You can think that but they’ve just been caught in the crossfire like many other farangs. If you hone in on the word crossfire (and the current border issues in certain parts of Thailand) then you may well be closer to the real reason Thai banks are clamping down on foreign accounts and potential money laundering.
A clue. It’s not your typical Western guy spending his retirement funds in Thailand. They are just pawns in the game.