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What additional documents are required for a Long-Term Resident visa in Thailand for wealthy pensioners?

LTR Visa Thailand Visa BOI Requirements Health Insurance Wealthy Pensioner Visa Financial Proof Immigration Expat Life

Aug 11, 2025

2 months ago

Robert ********

ORIGINAL POSTER

Warning (and question) about LTR. 

The BOI has asked further documents from me after I provided the normal required information for wealthy pensioneer (80k passive income, health insurance, etc). 

Either a health insurance covering at least 50k USD and running 10 months more

Or

Proof that I had 100k USD in my bank for the last 12 months. 

Now I don’t know anyone having 100k in the bank for a year. People having that amount have it in assets - like I have my savings in stocks. 

And insurance? Mine covers up to 1 million (a big heart surgery) and runs 12 months before being renewed. But  it will be renewed next January, so it’s not covering 10 months from now. I had to get another (lots cheaper) one just for that. 

Has anybody had a similar experience?

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TLDR : Answer Summary

The original poster seeks advice regarding additional documentation required for the Long-Term Resident (LTR) Visa in Thailand. Despite providing the standard documents for wealthy pensioners, they were asked to prove either ongoing health insurance coverage for the next ten months or maintain a bank balance of $100,000 for the past year. This requirement raises concerns as many expats have their savings in assets rather than liquid cash. Several commenters share experiences and challenges faced with insurance requirements and bank balance verification, highlighting the strict regulations imposed by the BOI for visa applicants.

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Mark ********

A warning that you need to actually comply with requirements? Wow,who would have thought that...

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Robert ********

ORIGINAL POSTER

Did you even read my post?

I gave all documents to the agency (which btw wouldn’t start without having checked that everything is good), but they asked for more than the requirements.

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Mark ********

@Robert *******

Yes and your whining. What exactly in the post is more?

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Mark ********

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Josh *********

I think you need to learn some fucking respect towards people… YOUVE clearly got some sort of mental instability if you’re responding to comments like this…

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Peter **********

And on which level does your type of comment put you?

Can you write normally or do your limited language capabilities not allow you to write without using swearing and f-words?

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Peter **********

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John *******

I mean it is in all of their materials that this is the third requirement for the LTR for wealthy pensioners. Not sure why you would be surprised. Did you not read the 3 requirements?

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Robert ********

ORIGINAL POSTER

Did I not post that I have a health insurance covering 1m USD?

It renews every January.

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John *******

@Robert *******

- Mine renews each Jan as well, but they still drafted this letter for me

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John *******

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Jim ********

I had $100k in a HYSA.

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John ******

It is either have 100.000 $ in bank or have an passive income of i believe $80.000.

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Bigd **********

BOI confirmed with me the passove income alone is enough, don't need the 100l

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Mark ********

you have to have 80 k passive income and you have to have health insurance or 100k in the bank to cover the health insurance.

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John ******

I know. My remark was made because somebody wrote that he needed to have 800.000 in bankaccount and 80.000 passive income. I am fully aware of the requirements got it about two years ago as one of the first appicants

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John ******

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John ******

Forget: 80.000 dollar in one year

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John ******

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John ******

Yes had similar problem with my insurance .not enough months. Was quite easy to solve. Contacted insurancecompany asking for a new insurance starting that day. Took some time to convince insurance company but after some explanation I receive a canceling of the insurance and same insurance for one year. Problem solved

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Bo ******

I had the same problem and my insurance company agreed to renew early. But in further conversations with the LTR staff, they asked me for evidence of insurance for the current year (2 months left, not 10 months) - certificate of coverage and paid receipt, certificates of coverage and paid receipts for the previous 2 years, and the policy showing automatic renewal upon receipt of payment. With those documents, I did not need to do an early renewal. Having said that, I worry about the insurance paperwork for my five year extension and maybe not having the same understanding LTR staff. Thus, I will renew my policy early before my five year extension.

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John ******

Maybe a misunderstanding from your side. Is not conform.requirements. yes I believe 10 months insurance from the date your application..the other requirements maybe misunderstanding. Two years before today I believe the ltr visa did not exist.

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John ******

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Marty *********

Sounds like you bought insurance. What more is there to talk about?

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Robert ********

ORIGINAL POSTER

@Marty ********

Right. I have a very good insurance that I pay for every year. That’s why I wondered that they ask for one that’s covering the next 10 months.

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Marty *********

@Robert *******

I have Pacific Cross insurance. I needed to synchronize my insurance with my OA visa dates. They understand the situation and found a way to do this. The BOI wants you to have 10 months of insurance when they approve your application. Hopefully you can explain what you are trying to do to your insurance company and they can accommodate your request. If not then you are stuck doing something else.

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Marty *********

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Ian **********

WP LTR-Visa is the golden visa but the conditions to be met are strict, and it's 5+5 years meaning at the 5-year point, a check will be made to ensure you still meet the financial criteria. The BOI will pose questions during the application process to ensure the applicant can meet the LTR-visa requirements over the 10 year period.

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Peter **********

Pfff… I have 2 mln in a bank. It’s called self-insurance.

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Robert ********

ORIGINAL POSTER

@Peter *********

You don’t have 20 million USD in a bank. People who have that much never ever would let it rot in a bank.

I have 800k in assets, not as USD in an account!

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Peter **********

@Robert *******

20 million usd? Where did you get that from?

You have a wild imagination. 🤣

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Peter **********

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Maitin *******

@Peter *********

you need $100,000 USD in a Thai bank. That costs me around $10,000 a year

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John ******

i believe that you can get a full covering healtinsurance for that $ 10.000

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Peter **********

Or make a nice trip in Thailand and self-insure. 🤣

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Maitin *******

I am uninsurable due to a health condition.

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Maitin *******

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Kim **********

@Peter *********

why would you have cash just sitting in a bank? Unless it is at least a high yield account you are throwing away free money

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Peter **********

Who said it’s “just sitting in a bank”?

Who gave you the idea that you are in any way smarter than the average JD?

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Peter **********

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Tom **********

I am going through the LTR WP process now. Hoping my health insurance in the U.S. satisfies the requirement as it does cover international travel. However, I pay monthly and the coverage continues until I stop paying or change insurance. So I have no way to prove the 10 month requirement. I did send my entire Summary of Benefits and Health Insurance Verification Letter. I will follow additional posts to your inquiry. Good luck! 😊

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John ******

Covering international travel so it maybe a travelinsurance. You need a policy with i believe at least 8 months left

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John ******

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William ***********

Welcome to the regular guy world. Then you don’t meet the qualifications just like 99% of the rest of us. There are plenty of people with 100k in the bank. Middle class yahoos don’t deserve that visa.

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Robert ********

ORIGINAL POSTER

@William **********

So you have 100k USD for a year in your bank?

Well I have 800k in stocks. I wouldn’t keep 100k cash.

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Maitin *******

@William **********

I'm uninsurable and it will cost me about $10,000 to ritte up $100,000 for a year with no interest.

That actually makes Elite visa make sensebvv although I've had a retirement via for a while

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Andrew *******

@William **********

Silence, William, you codswallop

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Andrew *******

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Daniel ************

@Steve *********

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Steve ***********

Nope 100k that's it?

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Robert ********

ORIGINAL POSTER

@Steve **********

100k USD. You have that much in your bank for a year?

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Steve ***********

@Robert *******

which account..... Yes

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Robert ********

ORIGINAL POSTER

@Steve **********

Well that’s up to you.

I have my money in assets that give me around 20k dividends a year and grow by about 10%.

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Steve ***********

@Robert *******

so true, I'd prefer to be liquid

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Steve ***********

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