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Do I need health insurance to live in Thailand on a Non-O marriage visa?

Thai marriage visaNon-O visahealth insurance requirementspermanent residency in Thailandexpat living in Thailand
Dec 22, 2022
2 years ago
Kim *********
ORIGINAL POSTER
hi group I want to live permanently in Thailand next year with my Thai wife. I plan to go there with a non o visa based on marriage. I will have 400.000 baht in my Thai account. My problem is the required health insurance which is very expensive for me. Any possibility to avoid this? I have a friend who has lived with his Thai wife for many years and he gets his permission to stay renewed every year without health insurance - an agent take care of that.
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TLDR : Answer Summary
The user seeks to live permanently in Thailand with their Thai wife on a Non-O visa based on their marriage but is concerned about the expensive health insurance requirement. Community responses clarify that there is no mandatory health insurance requirement for the Non-O visa based on marriage, although having it is advised. It is mentioned that insurance is typically required for a Non-OA visa, which is different and requires coverage for the entire duration.
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  • 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.
Carsten *********
You pay for insurance with the hope you will never need it.

Its 100.000+ a day for ICU if you, god forbid, had an accident

:)
2 years ago
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Jaco ***************
Morning check your Messenger I just PM you
2 years ago
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Saran ***************
Health insurance requirement is only for a retirement visa at the moment (non-OA)

For a marriage visa (Non-O based on marriage), you don't need it.

Here's some more info about it.

*****************************************************
2 years ago
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Kim *********
ORIGINAL POSTER
@Saran **************
 thank you very much - interesting and many good links 👍
2 years ago
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Kim *********
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Daniel ************
no insurance needed
2 years ago
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Tiw *******
my husband never use health insurance..

Which province you will stay when you arrive Thailand
2 years ago
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Kim *********
ORIGINAL POSTER
@Tiw ******
 Udon Thani
2 years ago
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Kim *********
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Peter *********
Says I plan to go on a Non o visa so think he's going on a Non oa which requires insurance ???
2 years ago
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Stuart *********
@Peter ********
 Non OA is a different “animal” altogether. Can only be got in your home country and needs mandatory insurance, police checks and medical checks.
2 years ago
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Peter *********
@Stuart ********
 yeah mate he says I plan to go Thailand on a Non o which you cannot do think he. Is coming over on a oa visa thats why he needing insurance
2 years ago
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Peter *********
So to clarify you are getting the non o visa issued in thaiand yes ?
2 years ago
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Kim *********
ORIGINAL POSTER
@Peter ********
 I will get the non o visa in my home country - go to Thailand and get permission to stay for 1 year then renew that permission after 1 year etc etc
2 years ago
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Peter *********
@Kim ********
 ok now understand and thats why you need insurance as you are getting visa in your home country. If you apply for non o in Thailand đŸ‡č🇭 you wouldn't require insurance but you would need 800k Thai baht in a thai bank 3 months for applying for it 😉
2 years ago
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Chris *******
@Peter ********
 no that is for retirement 800k NOT marriage 400k.

However depending on the embassy where the visa is obtained you may be required to have insurance to cover the initial visa 90 days.

The in-country extension will not require any Insurance.

This is becoming the norm with non-0 obtained outside of country.

Not to be confused with OA which requires Insurance to be valid the entire duration.
2 years ago
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Kim *********
ORIGINAL POSTER
@Peter ********
 I ask about insurance regarding a non O - which has been answered - I see nothing unclear in my post
2 years ago
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Stuart *********
@Peter ********
 not sure what you mean. You can go to Thailand on a Non O based on marriage.
2 years ago
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Peter *********
@Stuart ********
 yeah not a clear post 🙄
2 years ago
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Peter *********
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Marc *******
There is no need for a Insurance for a Non O based on M
2 years ago
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Mich ***********
Speak to your friend ask him how he does it.
2 years ago
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Kim *********
ORIGINAL POSTER
@Mich **********
 i have done that and he uses an agent as I said
2 years ago
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Mich ***********
@Kim ********
 maybe use the same agent
2 years ago
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Kim *********
ORIGINAL POSTER
@Mich **********
 yes and I write to them but no answer - but my question has been answered 👍
2 years ago
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Kim *********
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Jawahar *********
You candi visa without any insurance
2 years ago
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Stuart *********
As
@Bra****
 stated there is no requirement for medical insurance for a non O based on marriage (or extensions of such). Whilst it’s always good to have some it’s not mandatory.
2 years ago
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Christiaan *******
Always good to have medical insurance. Unexpected events happen when you least expect it.
2 years ago
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Michael ********
@Christiaan ******
 yes but on your terms not on x amount outpatient x amount in patient as reqiired by OA visa
2 years ago
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Christiaan *******
@Michael *******
 they push those, for higher commission.
2 years ago
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Christiaan *******
@Michael *******
 agreed, 100% with that.
2 years ago
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Christiaan *******
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John ****************
Det kan du sagsten, men du spiller med dit eget liv.
2 years ago
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Kim *********
ORIGINAL POSTER
@John ***************
 tak John det ved jeg godt - men vil koste ca 100.000 Baht stigende til 160.000 Baht pr Ă„r og det kan jeg ikke klare pt
2 years ago
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John ****************
@Kim ********
 ja, men du kan fÄ en forsikring der dÊkker offe tlog hospitaler, det kan du fÄ din kone til at undersÞge, det er meget billigere. Har selv boet i thailand i mange Är, og der skal ikke ret meget til fÞr du selv skal betale 200k uden forsikring.
2 years ago
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Kim *********
ORIGINAL POSTER
@John ***************
 tusind tak havde ikke tĂŠnkt man kan fĂ„ forsikring til offentlige hospitaler - det mĂ„ vĂŠre sĂ„dan en jeg skal have 👍
2 years ago
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John ****************
@Kim ********
 mener det er 1500 thb om mÄned og man kan kun komme pÄ offentlig hospital, og det er mindre belÞb den dÊkker men fÄr du en lungebetÊndelse eller ligende sÄ skal du ikke selv betale, jeg har haft lungebetÊndlese i thailand, havede jeg ikke forsikring kostede det 215.000.... og der er mange offentlig hospitaler der er ok
2 years ago
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John ****************
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Brandon ************
I don't know who told you there's a requirement for health insurance on a marriage visa extension, but there isn't. Maybe the agent said it just to keep business?
2 years ago
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Kim *********
ORIGINAL POSTER
@Brandon ***********
 I don't remember where I saw this but I saw it on different web sites - good to know it is not an requirement - and was just told in this group that I could get insurance for public hospitals much cheaper than the prices I have seen
2 years ago
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Kim *********
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