personally i do not see how the mandatory insurance could help authority to recoup the alleged default by foreigners (as public hospitals simply charge very low fees even for foreigners), but the policy surely benefits the local insurers, maybe a lot
up to now, there's been news or rumour other non O will require as well, i tend to think water being tested on the impact of imposing mandatory insurance, eg application no. before and after the policy enacted
avoid living near easily flooded area. As regards air quality, living in the southern regions such as phuket, better than the north including chiangmai, bangkok also not free from smog or pm2.5 recently, so better wear a face mask going out