When I had a Kasikorn account, all my wire transfers from the US were coded as domestic transfers because the money arrived to Kasikorn through an intermediary Thai bank.
I would typically get to CW at 8:30am. The early birds would enter and then I would get my queue number. I never waited more than an hour to see an officer and I would get my passport and extension an hour later. I was always out before lunch. I just planned to spend the morning there.
I once had a prior appointment and that was great but not necessary.
I had an OA. I was 62 when I bought a policy from Pacific Cross. It is a 10 million baht policy and has a 40,000 baht deductible. I’m paying 78,000 baht per year. I am now 69. I am getting a no claims discount.
Pacific Cross has a nice website where you can choose a plan and get an estimate of the cost.
Pre-existing conditions will be excluded.
What I have is a catastrophic health plan. I pay for routine car myself. The biggest medical bill I’ve ever had is only 20,000 baht. The insurance is for something really serious and expensive.
Whatever you purchase the price is going to depend on your age, coverage amount, deductible, and health status.
Years ago I bought the 5,000 baht insurance policy. It is accident insurance and it is not at all useless. Two months after getting the bank account insurance I had an emergency room visit and Kasikorn paid the 5,000 baht claim. The next year I bought 50,000 baht to cover the deductible on my comprehensive Thai health insurance. Kasikorn didn't allow me to continue buying the accident insurance once I turned 65.
Of course, it is up to you if you don't want to do this but 5,000 baht isn't all that much money.
I did not use an agency (there weren't any agencies doing this in October 2022). It was incredibly easy to do it myself using the BOI LTR website but then my finances are incredibly simple. I can't really be of much help if you don't qualify with a straight forward pension. I never asked the questions regarding anything more complicated. Sorry.
I got my OA in 2017 before the insurance requirement. I do have Thai insurance. I'll just add that you can extend you OA inside Thailand yearly. You will have to meet the same financial requirements as the O visa (money in a Thai bank) + show proof of acceptable insurance.
Actually, I am past that now. I have a pensioner LTR which also requires insurance but no money deposit requirement.