Try Nomad Insurance (Safety Wing). It does insure older people. It is American based I think. It is not cheap. I bought it for Thailand. I am an Australian aged 67. It was about $300.00 aud a month.
Thanks for all of that information. Very good of you to take the time. I will definitely investigate the situation with the Australian Embassy both in Thailand and in Australia.
I don't struggle to live on my pension in fact I only live on half of it and save the rest. I just dont want to tie my money up in another country. At my time of live I want my more flexibility than that. Thanks for your advice anyway.
I have been looking at both o and oa. They both have the same financial requirements. I don't have 800,000 and it is the pension side of things I am trying to clarify.