At Siambank there are two types of debit cards the simple 200 THB a year and the one with insurance that they only propose 😉 and that is around 650 THB à year. Maybe the same at Bangkok Bank. I get one simple debit card at Bangkok Bank and I didn't pay an insurance when I opened the account. (Bangkok Bank agency North Pattaya)
Yes, understand that but when you come back to Thailand after going back to your country Thailand Pass asks for insurance. Must pay one year also to be accepted by Thailand Pass (hope Thailand Pass will disappear this year 😊)