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Are deductibles accepted for the O-A visa health insurance policy in Thailand?

O-A Visa Health Insurance Thai Embassy Deductibles Insurance Providers Retirement Visa Inpatient Coverage Outpatient Coverage

Mar 15, 2025

a year ago

Christian *************

ORIGINAL POSTER

The O-A visa requires a health insurance policy, that covers 400,000 baht for inpatient and 40,000 baht for outpatient coverage from certified health insurance companies.

I would like to save a little with the premiums of the health insurance policy.

Does anybody know, if these policies are also accepted by the thai embassy, if a deductible is agreed on with the insurance company?

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TLDR : Answer Summary

The O-A visa in Thailand mandates health insurance with specific coverage amounts. Users inquire about the acceptance of policies with deductibles by the Thai embassy. Responses indicate that policies with deductibles are generally accepted, provided they meet the coverage requirements of 400,000 baht for inpatient and 40,000 baht for outpatient care. Recommendations for insurance providers and brokers familiar with the O-A visa's needs were also shared.

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Bobby ********

Suggest you contact

@Arawan ******

who is a Thai insurance broker with comprehensive knowledge of insurance covering OA visas

a year ago

Vijayananda **********************

Which is the best insurance which covers everything.... what's there charges.... I am planning to retire by year end ....bi have 800k bhat for O visa... looking for right option.... I will be 50+ by year end

a year ago

Bobby ********

@Vijayananda *********************

Suggest you contact

@Arawan ******

who is a Thai insurance broker with comprehensive knowledge of insurance covering OA visas

a year ago

Reply to

Bobby ********

Peter *******

Yes they will, talk to AA and they will explain and get you the lowest premium

********************************

a year ago

John **********

Yes you can use deductibles but the insurance cover required is 100k USD

a year ago

Brian *********

Your rate will be almost entirely based on your health, age and preexisting conditions. You will out right be declined for things like obesity (as an example).

The insurance company provides a page with a stamp, that’s what they want for the visa application.

I never used mine in two years. I used LMG.

a year ago

Christian *************

ORIGINAL POSTER

@Brian ********

Oh, that will be a problem. I have a BMI of 36.2...

a year ago

Brian *********

@Christian ************

BMI is a meaningless value, it really is!

However, 36 is a dangerous range if having low fitness and low muscle mass my friend.

I’m not going to lie, that could be denial criteria for you and maybe it better you go after the non O visa instead as it doesn’t have this insurance requirement.

a year ago

Reply to

Brian *********

Marty *********

I have a 40,000 baht deductible with my Pacific Cross policy. I had an OA for 6 years.

a year ago

Wayne *********

AXA easy care has deductible and is accepted

a year ago

Reply to

Wayne *********

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