, that's not a visa. Visa cannot be renewed. I think you mean an extension of stay. And indeed, when you entered before on a non imm O, you still need NO insurrance.
At the high rate covid time, you also needed an insurance for the non imm. O visa, in your/my home country. Now I don't know and may depend on the Thai Embassy/consulate where you applying as
I made health insurance WRLife, at aa insurance brokers. Age 65, quarterly payment 16,667฿ two months ago. 600.000$ covered, and accepted by my Thailand Pass yesterday. AA said honnestly that they have yet no experience with this company. But their policy looked okay to me. I don't hope to use them anyway for lets say 10 years, ha ha.
. Multiple TR visa is valid for 6 months. But... you can only stay in Thailand for 60 days. Every time you leave and come back, you get another 60 days. So if you leave and come back just before your visa expires, you can get another 60 days. After you are here on your first 60 days, you can buy a regular extension of 30 days. After that you maybe could get a covid extension. For now, covid extensions ends 24th of may.
Insurance FOR EXTENSION of the STV (Special Tourist Visa), you have to have Thai insurance for the durance of your extension. The initial insurance is not valid for extensions. Friend of mine had LUMA...
. So for the "in country non imm O (90 days)" it's okay, but for the year extension (after 60 days about) he needs it 2 months before in his account, yes ?
already have a Thai bank account, he already can put the 400k฿ (mariage) or 800k฿ (retirement) in his bank account as international transfer for asking a non imm O visa, I think