final destination is perhaps back at the Airport. Not everyone visiting Thailand goes to Phuket, or Pattaya, or Bangkok and stays there for the full length of their holiday (assuming they're on holiday). They might be travelling to a few areas of Thailand and may run into the same problem of finding English speaking Thais 🤷🏼
it would be helpful if you mentioned whether you're looking for health insurance for a holiday, or living long term in Thailand. That way others can be more specific in their advice and you don't have to wade through a lot of comments that aren't what you're looking for.
it might have been good to 'tag' every group member with this post, so at least it would only be new members asking this question going forward. Maybe 'pin' the post, if not already done.
6 months out of nine and a half months... That's probably the reason you were told to get a visa next time... it seems like you are maybe trying to live in Thailand without a long term visa
"general monthly expenses" and "personal expenses" likely would be the same, which wouldn't be an issue for general day to day expenses. Whether "personal expenses" shows up in your Thai bank account as an 'International transfer', well maybe you can let the group know. The point of the original post, is that the option "Funds for long term stay", which shows that the transfer came from overseas once in the Thai Bank account, where the other options didn't, is necessary when applying for Visa Extensions for those living long term in Thailand.