Many people want to come to Thailand but are unsure if they want to stay longer or not. If they do want to stay longer, they need to extend their visa.
For example, many people want to apply for a retirement visa in Thailand, not from their home country.
In order to complete the retirement visa application, you may need to extend your visa a number of times. Check out: https://youtu.be/OkXDATShhog.
When extending your visa, you will be required to have insurance as part of the Department of Health mandates.