I can understand what you want, but depends on personal, even though be bitten by a bed bug or other infection. Although the same bed bug, someone was not serious, but someone might be serious. We have the same dilemma about Thai doctors but we have no choice either. show your symptoms and how much you have difficulty. at least it would be better for you than take time here. hope to be well soon
I pay about 30K baht every year for insurance (AIA), it turns 3 years now. I had an operation on a gallbladder stone to remove it at the Phyathai Hospital in Siracha in 2nd year. It was costs 275,000 baht in total and covered by AIA insurance. Frankly, insurance costs some heavy on my shoulders but I'm satisfying and have no choice for living in Thailand 😅😅😅
Back to 5 yrs ago, when I applied for Non-O, I was so lucky. I visited Krungsri Bank in the government complex in Bangkok, I explained my situation such as opening a bank account for a non-O visa, and they accepted it without complications and I was able to open an account. It seems to be a case-by-case