This is NOT an official government website. We are an independent resource providing information and assistance to travelers.

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

19 days 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?

692

views

likes

all likes

replies

images

users

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.

NON-O RETIREMENT VISA RESOURCES / SERVICES

Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.

Pelle Eriksson★★★★★

Absolutely Bangkok's best service I highly...

recently on Facebook

Luca G.★★★★★

I used this agency for my DTV Visa...

recently on Google

Trusted Retirement Visa Agent

OVER 100,000 EXPATS SERVED

#1 VISA AGENT IN THAILAND

Bobby ********

Suggest you contact

@Arawan ******

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

17 days 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

18 days ago

Bobby ********

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

Suggest you contact

@Arawan ******

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

17 days ago

Reply to

Bobby ********

Peter *******

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

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

18 days ago

John **********

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

19 days 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.

19 days ago

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

ORIGINAL POSTER

@Brian ********

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

19 days 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.

18 days ago

Reply to

Brian *********

Marty *********

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

19 days ago

Wayne *********

AXA easy care has deductible and is accepted

19 days ago

Reply to

Wayne *********

Thai Visa Advice and Everything Else