Stuart Cain The non imm O (most of them Single Entry) is a visa. And there are more ofcourse. Normaly you have to leave the country when the visa, or better max. days stay in Thailand, runs out. But......with most countries/visa, you can ask an "extension of stay". So e.g. my visa (sticker in my passport) has a stamp "Used" on it (Single entry), so I am here now on yearly extensions of stay. E.g. On a tourist visa or visa exempt (no visa), you also can ask for an extension of stay but because the original visa/exempt is not meant for long stay, this extension is only once issued for 30 days. There are more, but okay so far. Many times people call an extension of stay also visa, but it is not correct.
What visa you are looking ? It's a bit early, so rules can change, but now you only have to have an health insurance for the Non imm. O-A visa as wel for it's year extensions. This can be a local insurance from your country.
After the (free) second year this visa can give you (leave and come back just before this original yearvisa expires) you also need a, normaly Thai, health insurance. There IS a Thai form, which your local insurance have to sign (most don't do) and also is not exepted at all Thai imm. offices if you want to use y'r local insurance. So if not possible, then you need a Thai insurance.
With the non imm. O visa (no "A" behind it) many times you only need health insurance for the initial 90 days of stay. Also that can be a local health insurance to get the visa at the Thai Embassy/consulate at your home country. Then when less than 30 days of stay left, you normaly ask for a year extension in Thailand at the imm. office where you live. Till now no health insurance is needed. Ofcourse it's very wise to buy one.
As a coincidence, after 4 years living in Thailand and having no health insurance (took the risk with money in the bank), I signed up for WR-Life. Untill now I did not read many bad stories, only positive. Because I entered originaly on a non imm. O, it is not mandatory to have one, so every one is okay. For year extensions on a non imm. O-A, think best to ask your imm. office in thailand which one they accept. Also only took the 'inpatient' insurance, because 'outpatient' is very cheap most of the times.
And, again ofcourse, I hope that I not have to use it for at least 10-15 years 😉
Roger Slmonot; Don't know if you have a Thai girl friend or friend, but while here as a tourist, just hop in in several bank branches when you see them. Best chance go in together with a Thai (blue housebook). Bangkok Bank and Kasikorn are the best possibilities. But indeed, it's getting difficult more and more.
And I thought I read somewhere that there are 2 different kind of Fixed accounts. It has to be one where you can take out y'r money (mayby with loss of intrest), not one which is really fixed for a period of time.
Is a Dutch passport a 'real European passport' ? With me on the first page (passport from 2017), there is my bsn number (The Burgerservicenummer (BSN) is a unique personal number for everyone who is registered in the Personal Records Database)