How can I renew my Non O retirement visa in Thailand, and do I need insurance?

@Andy *******

you have to get the policy BEFORE you're 75 I believe, then you can continue to renew it until you're 100 😉

@Tod ********

The immigration requirement is that the insurance shall pay up to 400,000 bahts (to avoid unpaid hospital bills was the aim of the law). If you pay 200,000 from your pocket, the insurance will cover only 200,000 which is below the requirement, wouldn't it?

@Frédéric ****************

, nope, totally fine to have that high of a deductible.

There is a HUGE difference between what the policy will cover (40k/400k out/in-patient treatment) and what the deductible ON that policy is. Totally allowable. I know 30-40 people who hold that LMG policy that has a 200K baht deductible and there is no problem showing it as proof of insurance

@Tod ********

I never said that it won't work. I know it does. I am just trying to understand how and why the immigration accepted it. What will happen if you can't afford to pay the first 200,000 of the bill?

@Andy *******

I was more wondering how the immigration accepted such insurance as the 400k expenses are not fully covered.

@Frédéric ****************

this fits firmly into the This Is Thailand camp. Makes little sense but if you do it this way it works. 😂