Do I need to show full-year health insurance for a Thai O-A retirement visa if I plan to stay for only 6 months?

April 28, 2021
3 years ago
Paul *******
ORIGINAL POSTER
Hello everyone. Can someone answer this?

If I get an O A multi entry retirement visa in the USA good for one year but plan on staying only 6 months with a purchased return flight ticket will I still have to show insurance for the full year?
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TLDR : Answer Summary
The requirement for health insurance when applying for an O-A multi-entry retirement visa in Thailand typically mandates coverage for the entire duration of the visa, even if the applicant plans to stay for a shorter period. Most comments indicate that one should confirm the insurance length with the consulate; however, it is generally understood that insurance needs to be valid for the full year due to the visa's conditions. If one plans to return within the year, showing insurance for the full duration is usually safer.
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James ********
Are you planning to return to Thailand during the first year of the OA visa ?

If so you are stamped in for one added year.

If you do not then why did you need the OA visa ?
Benjamin ******
Sadly, this is not an insurance advice group. For Non-OX, Non-OA, and the STV, the Thai government set up a helpful insurance portal with insurance companies that you can contact.

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


You can also contact other insurance companies that are not on the approve list, however nobody will tell you if they meet the qualifications to let you enter, or if they are the "best" for you.

Good luck!
Mike ******
100% True. Got a new OA in Jan at the LA Consulate. Upon arrival at BKK in Mid February immigration stamped my passport until the end date of my health insurance policy. Also, I purchased a policy from a Thai Company that meets the OA and Covid 19 coverage requirements.
Jan ***********
I only needed a 6 month insurance ...it only needed to cover my stay which is about 5 and a half months....this is what was required from Thai embassy in Sweden for O A long stay visa
James ********
@Jan **********
then clearly your Thai Embassy did not follow the rules set forth for the OA visa.
Jan ***********
@James *******
the general info was that I needed to have an insurance from a Thai company that covered for my stay in Thailand and of course my passport was not stamped for a year but only until the date of my return flight to Sweden. there is a lot of conflicting information and sometimes you feel that they make up the rules as they go along.
Paul *******
ORIGINAL POSTER
@Jan **********
I will check the Embassy here in Washington DC.

Did you have a previous health plan or did you get it for your stay?
Jan ***********
@Paul ******
I was told that I needed to get an insurance from a Thai company that covered for covid up to
*****
0 dollars us AND a general insurance also. I was recommended the Luma insurance that filled both these requirements and was accepted by the thai embassy. The cost for a six month insurance was approximately 600 dollars or to be precise
*****
bath. ( Which I thought was ok under the circumstances)
Ken ******
now need covid insurance too
Marlene ******
How about travel insurance?
Benjamin ******
@Marlene *****
You can not use travel insurance for a Non-OA visa
Paul *******
ORIGINAL POSTER
@Marlene *****
I don’t want to purchase a year long plan if I don’t have to.
Lexington *******
@Paul ******
Your health insurance needs to cover the duration of your visa. That is just common sense.

Regardless of your plans to leave after 6 months.

Besides you have a multiple entry visa meaning that you could always return after your planned 6 months.
Paul *******
ORIGINAL POSTER
@Lexington ******
It should be common sense, but you know how things work.

The wording says insurance must be valid for duration of stay, not duration of visa.

So it can get a little confusing. That’s why I asked the question.
James ********
@Paul ******
the visa you are applying for dictates the length of the insurance to be purchased.
Paul *******
ORIGINAL POSTER
@James *******
Thanks, I finally got through to the consulate in Chicago late this afternoon. He did confirm that.

I’m between a rock and a hard place. Non OA won’t work for me just to trying to get insurance. I’m positive I’m not insurable in Thailand or here even here and I have to have really good insurance.

I did inquire about the elite visa that may be my ticket. I can have travel insurance and and I can get it for a year with all preexisting conditions covered. If I only have 6 months that’s what they will stamp me in with.

I just have to go back to the US once a year to re up it. I planned on going back at least once a year anyway.

I appreciate your input.

Thank you!
James ********
@Paul ******
what is your age ?

We can find an affordable solution... Awaiting your reply.
Paul *******
ORIGINAL POSTER
James ********
@Paul ******
you can easily get the insurance required for the OA visa.

I reopened commenting to let you know that it's available to you. And affordable.

As this is not the insurance forum I will pm you with several suggestions.

But in your planning I suggest you not come to Thailand unless you have family or loved ones here. With the current spike in COVID nationwide it's not wise to come now.

Take good care... Chat soon
Paul *******
ORIGINAL POSTER
@James *******
Thank you. I’m delaying until fall.
Lexington *******
@Paul ******
Gotcha.

Well I guess when dealing with ambiguity better to be safe than sorry.

'...belt and bracers...' as they say.

You don't want to end up in the Bangkok Hilton...lolz! 😜
Ken ******
see if you can get a visa without need for mandatory health insurance
Marlene ******
@Ken *****
non o retirement visa.....
James ********
@Marlene *****
FYI... The new Non O Visa for retirement obtained outside of Thailand now requires health insurance of US $100,000.
Benjamin ******
@Marlene *****
A Non-O retirement visa is not valid for 6 months; it's only valid for 3 months.
Benjamin ******
And what visa is that?
Ellie *******
You need to check the insurance requirement for application at the embassy. Only regarding entry to Thailand, you need insurance for the period you plan to stay. You will be stamped for a shorter period of 365 days or your insurance covers.
James ********
@Ellie ******
the O-A Visa requires one year health insurance.
Ellie *******
@James *******
I know. A bit of off-topic. As far as I know, there is not a specifically stated part about when that insurance has to 'start'.
James ********
@Ellie ******
it has to start the day of arrival into Thailand as the insurance policy expiration date is written on the visa by the Thai Embassy staff . And entered into the Thai immigration database of the OA visa holders.
Paul *******
ORIGINAL POSTER
Thanks for the info!
Wannikea *********
Yes
James ********
Yes because it's required for the O-A Visa when you apply at the Thai Embassy.

And as you are stamped in for a full year on arrival one year insurance is required.
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