Depending on your age of course. I am 77 living permanently in Thailand for 17 years. Health insurance with AETNA, formerly known as BUPA. For 1 million baht inpatient cover i paid 175,000 baht last year. For the O-A mandatory 400,
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,000 baht health cover, i upgraded my existing policy to add the 40,000 baht outpatient cover. That premium cost me 32,000 baht !! Because i joined BUPA before turning 60, they will insure me for life. Because of high cost i would not recommend AETNA to you. I do not have any separate COVID insurance cover. I dont know what other readers will tell you but i provide you with the actual reality. I know that (for a cost) many " Visa Agents" can secure your non O-A visa one year extensions without your having the mandatory health certificate for the IO.