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Answereda year ago

Is medical insurance mandatory for all retirement visa extensions in Thailand?

Richard ********
asked Nov 28, 2025
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Is medical insurance required for all retirement "visa" renewals now? TIA
Answer summary
The general consensus among the commenters is that medical insurance is not required for every extension of a retirement visa in Thailand. Instead of 'renewals,' expats apply for a new extension of stay each year. If a non-OA visa that requires insurance was initially obtained, subsequent extensions may also necessitate insurance.
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James ******
James ******
OA
Stanley *******
Stanley *******
Only problem I’m 75 gone insurance was quoted £7.000 pounds highest lowest £4.000 that was for 4 month 😩😩😩
John **********
John **********
Check WR Life.. they insure any age I believe although limits. A friend who is in their 70s was admitted to Bangkok Hospital for heart problems and they paid out.
Stanley *******
Stanley *******
Thank 👍that was uk companies
จอห์นนี่ *********
จอห์นนี่ *********
No not at all
Patrick ********
Patrick ********
No
Ralph *******
Ralph *******
No. Depends on the visa.
Elías ********
Elías ********
Nope
Ant ***********
Ant ***********
No
Todd *********
Todd *********
Definite no
Ron *******
Ron *******
Not required
Brandon ************
Brandon ************
There's no such thing as a visa renewal.

Each year you can apply for a brand new extension of stay. You cannot renew anything.

If you applied for a 1-year non-OA visa from your Thai embassy which requires insurance as part of your application and then used that to enter Thailand, each extension afterwards will also require insurance.
Richard ********
Richard ********
OP
@Brandon ***********
I got my original extension of stay from within Thailand approx 12 years ago and have "renewed" every year since without insurance
Nongnuch ********
Nongnuch ********
@Richard *******
if you did 12 years of extensions, and never needed an insurance, you obviously started out of a Non-Imm-O Retirement Visa. . . . this means, NOTHING has changed so far. There is no mandatory insurance for extensions of the stay permit out of former Non-Imm-O Retirement visas
Nongnuch ********
Nongnuch ********
@Graham *****
correct. . .some people on extensions out of former Non-OA visa were "grandfathered" for a period, after 2019 . . . .but AFAIK Immigration, at least in Phuket, as stated on the website of the Phuket Volunteers, the grandfathering was discontinued in 2024
Richard ********
Richard ********
OP
@Graham *****
I'm not applying for a visa. I need a further year's extension of stay
Graham ******
Graham ******
@James *****
you should have already looked at the Embassy website to see their specific requirements for the visa you will be applying for
Graham ******
Graham ******
@Nongnuch *******
not necessarily as the health insurance was not added to the Non-OA until 2019 I believe
James ******
James ******
@Nongnuch *******
maybe...ok. I'll contact the embassy prior to applying and share the link if there is one. Thank you very much.
Nongnuch ********
Nongnuch ********
@James *****
maybe some embassies have changed their requirements, and ask for a 90-days travel insurance for the first 90 days of a stay permit you get stamped in when you enter on this visa-class. If you have a valid link or a valid official mentioning, then PLEASE link it! . . . . For a 1-year extension of the stay permit based on retirement/over 50, there is no mandatory health insurance - that's a fact
James ******
James ******
@Nongnuch *******
is insurance required for first 90 day non o for retirement?
Brandon ************
Brandon ************
@Richard *******
Then nothing has changed
John **********
John **********
@Richard *******
if you are on a Non-O visa there is no insurance requirement
Sue **********
Sue **********
@Richard *******
what kind of Visa do you have?
Nongnuch ********
Nongnuch ********
@Sue *********
he doesn't have a visa any more, he is on a "1-year extended stay permit"

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