If she needs a Schengen visa, she will need insurance.
MSIG online is easy and cheap to arrange. Circa 690 Baht for one month for the minimum required coverage
https://psmart.msig-thai.com/rabbitcare/travel?utm_source=google&utm_medium=sem&utm_campaign=16624522559&adgroup=161187868462&keyword=msig travel insurance thailand&gad_source=1&gclid=CjwKCAjwuMC2BhA7EiwAmJKRrLxhiDzpdNE0uFoglGTbcFMz7M-J9hRCT6oJMYNhnAz--RkusTVHhBoC-WoQAvD_BwE