500.000 for elitevisa is money you pay. 3 mio bahts is money you have and keep in your bank accountr. That is quite a difference. To have or not to have!
a OX is 5 +5. Years. A Non immigration O fi retirement and non OA retirement are one year. So in your country they do not issue Non OX is that what you are saying?
waarom zou je het nu doen. end of the year is still 10 months to go. Buy the insurance when you exactly know when you will be travelling to Thailand. If you are not too old (65 +) you can buy the insurance from everywhere in the world within 10 minutes.
I am not sure if you took the time to inform yourself sufficiently. If you am not aware that a "fit to fly" paper and that you need a COE etc you really did not do your homework. And next to that, The whole world is burning and every transport has new rules, changing everyday. So be informed and take your time.