I get OA visa in my home country. OA is ok for two years. I visit home country every 18-24 months. Never have to transfer money. Stays in Australia earning 7.5 to 8.5 % tax free. Why put it in a Thai bank account earning 0.5%? Now you can lol again! 😆😆😆
Of course I know how much insurance costs! My insurance costs me only
*****
baht per year. The OA insurance from Thai companies is much higher, so I get that just to satisfy immigration, then I cancel it. I just don't like transferring big sums of money into Thai bank account, or paying heavy bribes. I get much better interest rate in Australia for my dosh!
Buy the insurance the day you get your extension, then cancel the next day. At most you'd lose one month's premium. Make sure you have another more reasonably priced health insurance anyway so you are covered.
I can only speak for Australia. You apply online for a renewal. The old passport is automatically cancelled thirty days after the new one is posted to you. You never have to be "without passport"