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

LTR Visa Thailand Visa Rules BOI Requirements Health Insurance Financial Requirements Passive Income Expat Life in Thailand

Aug 11, 2025

19 hours 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 post discusses challenges faced by an expat applying for Thailand's Long-Term Resident (LTR) visa as a wealthy pensioner. The BOI has requested additional documentation: either a health insurance policy valid for at least 10 months or proof of having $100,000 in the bank for the past year. The original poster expresses frustration, suggesting that most people don't keep such sums in cash, instead maintaining assets like stocks. Several comments reflect similar experiences and frustrations related to the financial proof and insurance requirements for the visa application.

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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?

17 hours ago

Jim ********

I had $100k in a HYSA.

18 hours ago

John ******

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

18 hours ago

Mark ********

@John *****

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.

18 hours ago

John ******

Forget: 80.000 dollar in one year

18 hours ago

Reply to

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

18 hours ago

Bo ******

@John *****

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.

17 hours ago

Reply to

Bo ******

Marty *********

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

18 hours ago

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.

19 hours ago

Peter **********

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

19 hours ago

Maitin *******

@Peter *********

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

18 hours ago

John ******

@Maitin ******

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

18 hours ago

Reply to

John ******

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

19 hours ago

Peter **********

@Kim *********

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?

18 hours ago

Reply to

Peter **********

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! 😊

19 hours ago

John ******

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

18 hours ago

Reply to

John ******

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.

19 hours ago

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

18 hours ago

Andrew *******

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

Silence, William, you codswallop

19 hours ago

Reply to

Andrew *******

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

@Steve *********

19 hours ago

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

Nope 100k that's it?