@Brandon ***********
thanks for the answer.
Non-O definitely not need this insurance...but as you say, if there request it I have to do it.
The second option you mentioned (I read of it)
Is this sure that I can insite Thailand switch a tourist visa to a "Non-O" based on Familie/Marriage?
Would it be possible to enter (with Thai-Pass) under the 4 weeks visa exempt and than change to the Non-O?
I mean is this 100 % sure?
Thanks