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How difficult is it to secure a retirement visa and health insurance in Thailand with a kidney transplant?

Nov 21, 2025
5 months ago
Victor ****
ORIGINAL POSTER
Hello group. I have a question. I’m in the US, retiring soon. How difficult is it to secure a retirement visa and insurance if I’ve had a kidney transplant? TIA
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TLDR : Answer Summary
The difficulty in securing a retirement visa in Thailand after a kidney transplant is relatively low, as a Non-O visa based on retirement does not require mandatory health insurance. However, obtaining health insurance may be challenging due to the pre-existing condition. Many insurers might exclude coverage related to chronic illnesses, potentially leading to high premiums. It's advisable to consider options from companies that accommodate retirees and to weigh the benefits of having comprehensive coverage versus using public hospitals for minor issues.
NON-O RETIREMENT VISA RESOURCES / SERVICES
  • Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
  • For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
  • 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.
Dca *****
No insurance needed if it is a Thai Non–O E–Visa based on Retirement (over 50 Years old Age)
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Greg ***********
you can't expect a health insurance cover a pre-existing condition. And by the way, a 90-days Non-Imm-O Retirement Visa application (where ever you apply!) and the subsequent "1-year Extension of Stay Permit" out of it, does NOT have a mandatory health insurance requirement
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Peter ********
Hello. Mark who replied here is my insurance agent. I am not an expert on this topic let alone a professional. But Mark has helped me a lot. My first claim ever was in the past couple of weeks after I broke my ankle. His company worked immediately with the hospital to cover the part of the claim that they were liable for. They negotiated at 6:30pm on a Saturday evening and agreed their share within 30 minutes when I checked out. They had been informed when I entered of course. It was remarkable to me actually. My only comment is that you should consider too much coverage not too little if you want full reimbursement. And the other thing is that you will likely use public hospitals for small things and the cost of that is trivial. They are good too. But for something serious you might decide to go to a private hospital for all kinds of reasons including having many staff who are fluent in English. The costs then can be substantial. Nothing as horrendous as the US but not small. You need to decide if you want to be fully covered. It depends how risk averse you are. And how rich. Good luck.
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Stephane *********
It's unlikely any insurance will cover you, in very best case they will exclude anything related to your kidneys.
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Bob **********
Pre existing conditions make health insurance tough over here they don’t want to pay to start and if they can blame it on pre existing they won’t
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Colin **********
If your wanting a OA retirement visa its best to obtain a health insure on the approved list.
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Colin **********
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Colin **********
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Jeremy ********
You have a chronic disease in insurance talk

The premiums will be high and yearly rates will be crazy if they accept you

If you have another insurance that will pickup the tab (VA insurance, employer insurance etc) you could omit these conditions and get a great rate

The other choice would be to have super high premiums to lower the rate of the policy

This company basically covers everyone

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Phil ******
@Victor ***
a Non O visa based on retirement doesn't require health insurance
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Victor ****
ORIGINAL POSTER
@Phil *****
thanks. Next time I’m there I’ll have to research the availability of my anti-rejection medications and costs.
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Keny ********
@Victor ***
i am on ciclosporine and pay out of pocket it’s about $150 a month. 200 mg/day from govt hospital
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David *********
@Victor ***
if you get the non O retirement out side TH. Then you are required to have health insurance. If you come into TH. First by some appropriate 90 day visa and apply for the non O retirement inside TH. Then you are not required to have insurance.
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Lynnette *******
@David ********
no, it doesn't. The Non-O does not require health insurance. You are giving advice on the Non-OA.
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Colin **********
@David ********
the OA retirement visa needs health insurance, the non o over 50 does not
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Damo ***********
@David ********
you are FOBS! [FOBS = Full Of Bull Shit]
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David *********
@Damo **********
hey Damo, why you lock your profile. Is all this trolling coming back to bite you you?
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Damo ***********
@David ********
no mate... I lock it because fags like you flogg off to my pics on my profile... weirdo fuckers you are... you just admitted to trying to look my profile for some reason... faggot!
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Greg ***********
@David ********
sorry but this is complete nonsense. For the application to a 90-days Non-Imm-O Retirement Visa in your home country or anywhere else outside of Thailand, and even inside Thailand, there is NO mandatory health insurance requirement. Only for the application to the 365-days Non-Imm-O/A Longstay Visa, there is a mandatory health insurance requirement
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David *********
@Greg **********
I’m speaking From my experience. I’ve been here 10 years so maybe it has changed but I don’t think so. When I got my non O retirement in DC I had to have insurance and provide a criminal defense check.
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Greg ***********
@David ********
you are apparently confusing the visa you got. If you needed an insurance and a police check, you applied for the Non-Imm-O/A Longstay Visa. You did NOT apply for the Non-Imm-O Retirement Visa, as this one NEVER required these things. And if you still need to prove an insurance for each yearly extension on Immigration, it indicates that you started on a Non-Imm-O/A Visa and not on the Non-Imm-O Visa (without the "A"). Some Immigrations allow "grandfathering" which means that the requirements that were in effect 10 years ago are still good for you in the present time, regardless of changes
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David *********
@Greg **********
oh yes you’re right. It was a non-OA retirement. Which in my understanding is the only one available outside TH.
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Marty *********
@David ********
I had an OA too. You can only get the OA outside Thailand. You can get an O inside or outside Thailand. Currently the advice is for people to get the O outside Thailand so you can open a Thai bank account after you get here.
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David *********
@Marty ********
thank you. I was unaware you can get the non O retirement outside the country. Then why have O-A? Interested to know the difference. (Other than health insurance and background check)
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Marty *********
@David ********
I got the OA in 2017 when there was no health insurance requirement. It was the first thing I saw on the website and I didn’t know about the other visas.

I did get Thai insurance in 2018 that qualified for the requirement implemented in 2019 so the change didn’t affect me. I still have the insurance and used it to qualify for my pensioner LTR in 2023.

OA has some unique features that even today appeal to some expats. I have to believe that fewer people consider it now unless, like me at the time, they don’t know any better.
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Marty *********
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J **************
@Victor ***
they likely will cover you for other things but not your kidney …but ask anyway …
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Phil ******
@Victor ***
ok also talk to
@Tabby **************
if you require health insurance
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Phil ******
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Mark ************
***************
094 583 4305 (Bangkok)
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Mark ************
Hello Victor Ag

from
***************
... OFFER of Health & Life insurance premiums fixed 5

years… Please check messages from
**************
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Mark ************
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