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Do I need health insurance when applying for a 90-day Non-O visa in Thailand?

Oct 29, 2025
3 days ago
Shepherd *******
ORIGINAL POSTER
So i am a little confused when applying for the non o visa on the thai e visa website, some have said that you do not need the health insurance for the non o (90 days) but when you pick the sub category (1 year extention ) retirement you need it . I thought you can go into thailand on the non o and do everything there within 90 days to get your non oa . So the wyestion is do i need the health insurance when applying for the 90 days non o or not.
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TLDR : Answer Summary
When applying for the 90-day Non-O visa in Thailand, health insurance is generally not required. However, experiences vary based on the embassy or consulate's specific requirements in different countries, leading to some applicants being asked for health insurance unexpectedly. It's crucial to differentiate between the Non-O visa (which doesn’t require health insurance) and the Non-OA visa (which does). This confusion may arise due to the specific situations of applicants, particularly in countries like New Zealand and the UK, where individual embassies may impose additional requirements.
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Tony ********
NON-IMMIGRANT VISA CATEGORY “O” (For Retirement:

valid for 90 days)

1. Eligible Applicants for O (Retirement) Visa

o This category of visa is issued to the applicant who is an Australian national

or a permanent resident currently residing in Australia aged over 50 years old and is currently residing in Australia.

2. O (Retirement) Visa Conditions

o Holder of O (Retirement) Visa is allowed to stay in Thailand for 90 days (Single entry).

o Employment of any kind is strictly prohibited.

o If the O (Retirement) Visa holder breaches the entry conditions (for example, if he/she engages in work-related activities), the stay permit

will be revoked and he/she will be prohibited from entering Thailand in the future.

3. O (Retirement) Visa Application Procedures

o Each applicant must submit a complete application form together with the required documents* to the Royal Thai Embassy, Canberra by

post or in person. Prepare required documents as follows:

o Required Document

3.1 Completed Visa Application Form

3.2 Three (3) passport-sized photographs affix to the visa application form

Size 3.5 x 4.5 cm.

White background and no older than 6 months

3.3 Passport

An actual passport with minimum validity of 18 months from the date of planned entry to Thailand

Must have at least two empty pages

A copy of passport (bio data page)

3.4 Proof of an Australian Electronic Visa (only for Permanent Resident in Australia)

Visa grant page or VEVO check status page

3.5 Proof of adequate finance

A bank statement in the past six months showing a deposit account with the minimum fund of THB 20,000 per person

3.6 Health Insurance

A certificate of health insurance issued by Thai insurance companies covering the entire period of stay in Thailand containing the

detail of coverage as follows; In-house patients of not less than THB 400,000/policy year, as for out-patients, not less than THB

40,000/policy year. More information can be found on
**************************


3.7 Additional Supporting Documents

Driver License or other photo ID

3.8 Visa fee

AUD 120 (Payment can be made by cash, debit, money order, or cheque, paid to“Royal Thai Embassy, Canberra”)

3.9 A Prepaid Return envelope with self-address

3.10 O (Retirement) visa processing times

Visa processing time is up to 10 days

Certain applications which require special consideration may take longer to process.

Remarks

The Royal Thai Embassy in Canberra reserves the right to request additional documents as deemed necessary as well as reject

any application without prejudice.

The applicants must provide genuine documents and information. If the applicants are found to provide false documents or give

false information, their applications will be rejected and be reported for further determination of appropriate action and future

prohibition to enter the Kingdom of Thailand.

Visa processing fees are non-refundable regardless outcome.

Visa processing fee is subject to change without prior notice.

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

Disclaimer

The Royal Thai Embassy Canberra officers reserve the right to request additional documents as deemed necessary as well as

reject any application without prejudice. Please note, the visa processing fees is non-refundable once the processing of the

application begins – regardless of its outcome.
Tony ********
Rules have changed in Thailand for requirements for the non o visa
Stuart ***********
Jay ***********
@Stuart **********
what is the sponsor letter?
Stuart ***********
@Jay **********
unsure to be honest, I used bank statements.
Jay ***********
@Stuart **********
OK thank you!
Stuart ***********
@Tony *******
I tried looking online at the visa system for Aus and it still seems to give the option of a non-O without insurance, have you tried to do it yourself already without using a lawyer?
Tony ********
@Stuart **********
yes unfortunately the website hasn’t been updated. The documents I shared came from the Australian Thai embassy. My lawyer requested the documents.
Tony ********
Dave ********
The non O visa does NOT require health insurance. The non OA visa DOES require health insurance. They are two completely separate visas.
Pete *******
No you do not require health insurance for the Non-O visa. Your mistake is that you have clicked on the wrong category of visa when using the e-visa system.
Jason ******
The Uk E-visa does not ask for insurance on the Non O - 90 days retirement , this is why I went for that one, if you want the yearly one you need insurance + medical + police check , you do not need any of these if your just getting the 90 days non O retirement, `when you get to Thaialnd you then extend to one year, what I need for that, I dont know yet , I do know you need 800k in thai bank , letter or contract of residence .Thai phone number in same residence address and TM30 also being same residence address, UK embassy in BKK to verify your letter of residence with a stamp . After that I got to find out the next stages for the year extension, thats as far as I got for now .
Sean **********
@Jason *****
not sure what this is about.

“UK embassy in BKK to verify your letter of residence with a stamp”? I have never heard of this and don’t see why Thai immigration would need another countries certification of your address. You will take you lease agreement, TM-30 from the owner, copy of the owners Blue Book and copy of the owners Thai ID to Thai immigration to receive the Thai ‘certificate of residence for opening a bank account’

The other items you mentioned all appear correct. For the extension you will need some additional documents.

- bank certificate of foeign funds deposited for 60+ days

- location map of your residence

- copies of your passport and Thai visa pages

Check the Thai immigration website for a list of
Jason ******
@Sean *********
some banks may ask for the proof of residence stamped buy embassy for verification. I am just saying what my lawyer has told me to make things easier , but now you are saying this I am going to try and not go to Bkk embassy for the stamp , and see if the Bank accepts it without . Be handy if they do , cos it will save me a days work of going into Bangkok
Nev ********
@Jason *****
I looked at getting that also but in Australia the Thai Embassy website says you have to have health insurance for the non O 90 day visa
Tracey ********
I have done my non o in the UK and they have asked for insurance too, I thought it was just non OA, but Thai embassy in London asked me to provide health insurance, as it was I have taken it out to start on our arrival date, but they definitely are asking for it, my application has anyway.
Malcolm *********
@Tracey *******
I done mine in Sept and no insurance requirements, ensure you are applying on the correct website and not some Scammers! There are plenty of bogus sites out there!
Tracey ********
@Malcolm ********
I've done it through an agent, definitely right website, definitely asked for insurance and definitely o visa not oa.
Grant *********
@Tracey *******
who did u insure with pls and the cost if possible
Tracey ********
@Grant ********
I'd did mine through.
***********************
very reasonable, best price I could get, drop him an email.
Graham ******
@Tracey *******
How long ago was that because mine in Apr/May did not require insurance?
Andrew ******
I know the Non O does not need health insurance but if you are applying in NZ I was just asked for additional information for my Non O application and they want health insurance which I know there is none but all the same I have done Non OA insurance and hoping that will pass me so yes you do not need it mostly around the world but right now in NZ you do .
Graham ******
I think you are assuming that the Non-OA is the 12 month extension for the Non-O but they are two different initial retirement visas with different requirements
Brandon ************
I'm not sure what you are asking. There is no such thing as extensions when it comes to the embassy. Extensions are done in Thailand at an immigration office. The embassy only deals with visas.

The 90 day non-O visa does not have an insurance requirement.

The 1 year non-OA visa (a completely different visa) does require insurance, as well as health check, background check and other requirements.
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