I applied for first time non-0 retirement in Bangkok last year and had the same issue. Was a few days short of having 800K 60 days on my account and my application was rejected. As I would be without stay permit the next day, it was suggested I got a Covid-19 extension (with two weeks "under consideration" first). So I did. Reapplied for Non-O another 2 weeks later (therefore didn't use the entire covid extension). This time succesfully. (But needed 4 visits to immigration within one month!)
NB for extension one year later, the requirements for bank saldo are stricter. Easiest to keep 800K minimum in your account continuously (there is a defined middle period where you can be lower, but never below 400K). All transactions over the entire previous 12 months will be checked (this happened in my case at least).
You annual international health insurance is perfect. I use the same all the time for Thailand Pass. No need to buy additional insurance if you already have existing ongoing health or travel insurance. No need to state amount or covid. Just the certificate with your policy number and name.
They have insurances with no age limit. I got my insurance here. Expensive to have good insurance at your age, but good agent. Will help you to discuss options.