I had accident insurance from Kasikorn when I first opened a bank account. It was accident insurance and not comprehensive health insurance. I had an accident a few months later and Kasikorn paid off promptly.
When I was getting 1 year extensions on my OA visa at Bangkok immigration I arrived at 8:30am and was out before noon. It’s once per year and not that difficult to extend DIY
I get it. You like Vietnam. Vietnam doesn’t have a retirement visa. As for Thailand . . . Pattaya is your reference point? Really? You need to get out more before commenting on Thailand.
Visa agents will get you an O visa and the first 1 year extension. The O and OA are different visas. You can only get an OA in your home country. An agent in Thailand cannot get an OA for you. The O visa has no insurance or criminal background check requirements.