Can I apply for an OA visa with short-term health insurance in Thailand?

February 10, 2022
3 years ago
Steve ******
ORIGINAL POSTER
I am applying for an OA visa in Australia. I understand there is a 3 million baht $US100000 health insurance cover requirement. I am 66 and most insurers require a full medical before approving cover. Is it possible/reasonable to just get coverage for the first 90 days and arrange longer term insurance cover including medical during those 90 days one is in Thailand. Or does one have to get a full 12 months coverage when applying for an OA visa?
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TLDR : Answer Summary
The poster is inquiring about the health insurance requirements for obtaining an OA visa in Thailand while currently in Australia. They want to know if it is acceptable to obtain health insurance that covers only the first 90 days of their entry into Thailand, with plans to secure longer-term coverage thereafter. Commenters suggest that the OA visa requires insurance for the full year and discourage obtaining short-term coverage, as it may limit visa options and lead to complications with extensions. They also detail alternatives like applying for a Non-O visa which has different insurance and financial requirements.
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James ********
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Steve ******
ORIGINAL POSTER
One last question does the minimum 3 million baht have to cover both inpatient and outpatient or can it just be inpatient? I asked my Thai embassy this question and they just sent me a link to a list of insurers.
James ********
@Steve *****
your Thai Embassy has given you links to acceptable insurance.

Believe me...its very simple to get without hassle and without full medical. Do some exploring on Australia Expat groups.

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And this is from the Canberra Thai Consulate website re insurance required....with the latest rules update included.

Health Insurance

a certificate of health insurance policy issued by Thai insurance companies which covers all kind of medical treatment ( both in-house patient and out-patient) and includes COVID-19 related treatment, with the minimum coverage of 3,000,000 THB, during the entire period of stay in Thailand. More information for the health insurance can be found on
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The applicant who prefer to use health insurance policy issued by foreign insurance companies for the visa application must furnish a completed “Insurance Certificate”, as well as a copy of certificate of health insurance policy that which covers all kind of medical treatment ( both in-house patient and out-patient) and includes COVID-19 related treatment, with the minimum coverage of 3,000,000 THB during the entire period of stay in Thailand. The Insurance Certificate as stipulated by the Office of Insurance Commission and Health Insurance of Thailand, must be completed, signed and stamped by the insurance company. The Insurance Certificate form is available at
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Foreign Insurance Certificate as stipulated by the Office of Insurance Commission and Health Insurance of Thailand, which must be completed, signed and stamped by the insurance company. The form can be downloaded from
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If the applicant is refused to purchase the health insurance by the insurance company, the applicant can submit additional documents as follows:

(1) Letter of refusal to purchase health insurance from a Thai or foreign insurance company.

(2) A copy of an up-to-date bank statement with a minimum balance of THB 3,000,000 or AUD 125,000 maintained in the bank account for 2 months prior to the application.

(3) The combined of the other health insurance for the coverage of no less than THB 3,000,000.
Steve ******
ORIGINAL POSTER
Thanks all. As Benjamin mentions I am only interested in the OA visa and it’s health insurance requirements. In particular if I can in my initial application get cover for just the 90 day entry visa and the sort out the long term during those 90 days. OA because I understand it is multi entry and adequate health insurance because I am risk averse. 😊
James ********
@Steve *****
wrong way to plan.

If you enter OA you are STUCK with it and MUST have the required insurance to stay / extend it inside Thailand.

Get it for one year with issue date of your planned arrival date into Thailand.

If you dont have the 800,000 Thai baht to deposit in a Thai bank...suck it up and buy the one year required insurance. Its affordable.

Good Luck..

Commenting closed.
Evan ********
@Steve *****
as already mentioned, getting an O visa would be a much better idea if you don’t mind having to deposit 800,000 in a thai bank. You can add single or multi entry permits to it from inside Thailand. Plus you won’t need the ludicrous medical form, police check and so on that you need applying for an O-A in your country
Steve ******
ORIGINAL POSTER
@Evan *******
I agree there are benefits but my preference is to meet the requirements with the
*****
baht monthly deposit rather than have
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0 sitting in a Thai bank doing nothing. Just unclear when that
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baht first needs to go into a Thai bank account after arrival.
Ellie *******
Check the requirement for Non-OA with the Royal Thai embassy/consulate you are applying with.

I don't think you can get Non-OA with 3 months insurance though.

If you could get Non-OA with short insurance, you will be stamped for the length of insurance covers.

So maybe your choices are:

- Get Non-OA with a 1-year insurance

- Get Non-O retirement if possible with three months of insurance

- Get SETV 60days to enter Thailand with insurance covering your initial stay and find the following way (you can apply for in-country Non-O being over 50 once you are in Thailand and meeting the requirements.)
Mike ******
I got another OA in Los Angeles and on the E-Visa application website it states the insurance has to cover the length of the Visa(1 year).
James ********
@Mike *****
correct
Benjamin ******
This isn't an insurance advice group, but a visa advice group. I'm removing any suggestions to use a specific insurance agent or company.
Benjamin ******
My advice would be to skip the Non-OA visa and enter on a single entry Non-O visa based on being over 50, transfer the 800K THB to a Thai bank account, and then apply for a one year extension of stay based on being over 50. Health insurance is not required for that extension of stay if entered on a Non-O visa.
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