OA Visa Health Insurance Thailand | Compare Plans

Coverage of Health Insurance (Mandatory and optional For (O-A) Visa)

IPD / Inpatient Cover

This coverage is required and should have a minimum sum insure of 100,000 USD or 3,000,000 THB of Coverage. This cover is for hospitalization purposes, meaning that you are admitted and required to stay overnight or a couple of days due to doctor’s recommendation.

OPD / Outpatient Cover

This coverage is also required when applying for visa, and should have a minimum cover of 1,200 USD or 40,000 baht of coverage annually. This coverage is for doctor’s visits and outpatient procedures that do not require you to stay in the hospital for observation. This includes prescribed medications and lab exams that doctors prescribe.

Dental Cover

This is not required for OA visa - but if you can add this as an option. Coverage for Dental related concerns, this coverage includes normal procedures, cleaning, fillings etc. This however does not cover anything related to cosmetic procedures. **optional coverage. If you are looking for only dental insurance, please check the coverage and price here : Dental Insurance Thailand

Deductible / Excess

Helps lower the cost of your premium, a specified amount of money that the insured must pay before the insurance company will pay a claim. **optional coverage.

Who Needs Health Insurance for O-A Visa?

Health insurance for O-A visa is mandatory for all applicants over 50 years old seeking long-term residence in Thailand. This includes retirees, digital nomads, and expats planning extended stays. The insurance must meet specific coverage requirements and remain valid throughout your visa period.

Frequently Asked Questions

Can I use my home country insurance for O-A visa?

No, you must purchase Thai-approved health insurance that meets the minimum coverage requirements of 3,000,000 THB for inpatient and 40,000 THB for outpatient care.

What happens if my insurance expires during my stay?

You must renew your insurance to maintain your visa status. The policy must remain active throughout your entire stay in Thailand.

Are pre-existing conditions covered?

Coverage for pre-existing conditions varies by insurer. Most require a waiting period or may exclude certain conditions. Declare all health conditions during application.

How long does it take to get the insurance certificate?

Once approved and payment is received, you will receive a digital certificate immediately. The original policy documents arrive within 7-10 business days via registered mail.

Document Checklist for Insurance Application

• Passport copy with verified signature
• Completed application form
• Medical questionnaire (if required)
• Proof of address in Thailand (if applicable)
• Payment confirmation
• Emergency contact information

Coverage of Health Insurance (Mandatory and optional For (O-A) Visa)

IPD / Inpatient Cover

Health insurance is mandatory for all Non-Immigrant O-A visa applicants. For first-time applicants applying at a Thai embassy abroad, the policy must provide overall coverage of at least US$100,000 or 3,000,000 THB, including COVID-19 treatment. IPD covers hospitalization, surgery, ICU, and treatments requiring overnight stays.

OPD / Outpatient Cover

OPD covers doctor consultations, outpatient procedures, medications, and lab tests without overnight hospitalization.

Dental Cover

Not required for the O-A visa. Available as an optional add-on with some insurers. Covers routine procedures, cleaning, and fillings – excludes cosmetic work.

Deductible / Excess

Many O-A visa plans offer deductible options (e.g., 100,000 / 200,000 / 300,000 THB) to reduce premiums. You pay the deductible amount first before insurance coverage begins. Higher deductibles significantly lower annual premiums.

Who Needs Health Insurance for O-A Visa?

Health insurance is mandatory for all Non-Immigrant O-A (retirement) visa applicants. You must be 50 years old or above at the time of application. The O-A visa is available to all nationalities and permits a stay of up to 1 year, renewable annually at Thai Immigration.

Your insurance policy must meet the immigration requirements and remain valid throughout your entire stay in Thailand.

Frequently Asked Questions

Can home country insurance be used?

International insurance policies can be accepted in some cases, but you may need to obtain a signed foreign insurance certificate. However, many immigration offices prefer Thai-issued policies, especially for extensions of stay. Check with your local immigration office for their specific requirements.

What are the exact coverage requirements?

Minimum US$100,000 or 3,000,000 THB overall coverage including COVID-19 treatment.

What if my insurance expires?

You must renew your insurance before it expires to maintain your visa status. Loss of valid coverage can result in visa cancellation. Most insurers send renewal reminders 30–60 days before expiry.

Are pre-existing conditions covered?

Varies by insurer. Most plans exclude pre-existing conditions or impose waiting periods (typically 30 days for general illness, 120 days for specific conditions). Full disclosure is required during application.

How quickly do I get my certificate?

Most insurers issue a digital insurance certificate immediately or within 1–2 business days upon payment. This can be used for your visa application. Original documents typically arrive within 10–15 business days via registered mail.

Document Checklist for O-A Visa Application

• Valid passport (minimum 18 months validity recommended)
• Completed visa application form (TM.87)
• Passport-sized photos (4x6 cm, taken within 6 months)
• Criminal record certificate (valid 3 months)
• Medical certificate confirming no prohibited diseases (valid 3 months)
• Health insurance certificate that meets immigration requirements
• Bank statement showing 800,000 THB (seasoned 2–3 months) OR income verification of 65,000 THB/month
• Flight itinerary and accommodation proof (if required by embassy)

Steps in Applying for Health Insurance for O-A Visa

To apply for health insurance, we will need the documents from you as below (This applies to every insurance companies) :

1. Apply via our website or contact our Customer Service Representative for Application form.
2. Submit Copy of Passport with Verified Signature.
3. Receive offer letter with plan details and premium.
4. Accept Offer Letter and pay premium.
5. Receive digital insurance certificate (1–2 business days).
6. Coverage begins per agreed start date.
7. Original policy card delivered 7–10 business days via Registered EMS.

*Digital insurance certificates are accepted for immigration applications.

You can send additional documents to us by LINE Chat with us or by Email [email protected]

What are the requirements for the thai long-stay visa for expats ?

The Government of Thailand just passed the approval for the prolongation of the long-stay visa of senior tourists to ten years from the previous of one year. The new long-stay visa costs 10,000 Bhatt. On the 22nd of November 2016, the Ministry of Public Health informed the cabinet regarding the rising number of senior foreign nationals who wish to stay in Thailand for a longer period of time. A principle goal of Thailand is to become a destination renowned for Medical and Wellness Tourism, so in order to achieve this goal, the Ministry of Public Health and the Ministry of Tourism and Sports discussed together to formulate a new long-stay visa applicable for 10 years. This new extension would be available to citizens from 14 countries which includes Australia, Canada, Denmark, Germany, Finland, France, Italy, Japan, the Netherlands, Norway, Sweden, Switzerland, the United Kingdom, and the United States.

Extension of the Duration of Stay for Non-Immigrant Visa (Long Stay Visa)

The criteria for the visa includes:

1. The applicant must be above the age of 50 years and should place an application for the O-A visa at the Thai consulate in their country of origin, or in the case where a tourist travelling under a different visa requires their visa status to be changed to O-A, they are capable of doing so but the visa would be restricted to five years with multiple entry. The individual has the option to reapply for the visa once again after five years for renewal of the O-A visa.
2. The fee incurred to obtain the O-A visa is 10,000 THB
3. When submitting the application, the applicant must also submit their personal bank statement showing a minimal balance of 3 million THB or provide sufficient evidence proving a minimum income of 100,000THB monthly. When applying for renewal of the visa, the applicant must resubmit the account statement showing a balance exceeding that of the previous one together with evidence demonstrating a 100,00 THB minimum monthly income. But, during the course of the first year of the initial five year visa, the applicant should maintain a balance of 3 million THB or monthly 100,000 THB minimum monthly income, following which the applicant is prohibited from withdrawing funds equivalent to 50% of the available amount. The individual must also handover personal withdraw statements for the payments made within Thailand.
4. The application must also include a medical insurance with a validity of one year which includes the following coverage : 3,000,000 THB for Inpatient.
5. Applicant must report to the Immigration Bureau once in every 3 months.
6. The applicant has the option of accompanying their spouse and children, if the spouse is above the age of 50 years, they are eligible for an O-A visa. It is compulsory to submit their own bank statements when applying for the above mentioned visa. If the spouse if of less than 50 years, they are eligible for an O visa, but for children less than 21 years, they can accompany their parents to visit Thailand for education purposes and would be given a a non-immigrant visa type (ED). They have the right to buy automobiles, apartments in Thailand (as per the Condominium Act of 1981) using the cash wired from their native bank to their personal Thai bank account. Additionally, this should be accompanied by a letter of certification issued by the bank verifying the above transfer.

Note: Any individual ineligible for the 10 year O-A visa has the option to apply for the one year O-A visa.

Regarding the revisions made on 15 December 2017: The newly formulated senior citizen visa is a collaboration between the Public Health & Tourism ministries. It was approved by the cabinet and is currently under the Interior ministry. There are no substantial details confirming the exact information within it. The process would at require a minimum of three months for completion. The information provided above was delivered by the Tourism and Sports ministry. There may be changes to the above details. I would swiftly notify you of any such amendments via my page.

Source: Foreign Office, The Government Public Relations and the Ministry of Tourism and Sports