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What are some recommended health insurance options for retirees in Thailand to meet visa requirements?
health insuranceretirement visaNon-Immigrant O-Ainsurance requirementsexpat adviceThailand immigrationfamily insurance optionsbroker recommendations
Feb 14, 2026
2 months ago
Dave **********
ORIGINAL POSTERLooking for health insurance to meet retirement visa requirements. Family of 3, all healthy. Adults are 66 and 50. Does anyone have reasonably priced recommendations? Thank you in advance
TLDR : Answer Summary
The post discusses finding health insurance for a family of three to meet retirement visa requirements in Thailand. Key points include the need for health insurance for the Non-Immigrant O-A visa, which mandates a minimum of 400,000 THB inpatient and 40,000 THB outpatient coverage. Comments suggest various insurance providers like A1A, AXA, and AIA, and recommend consulting brokers for clarity and reliability in insurance options.
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.
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Phil ******
Which visa Dave?
Andries **********
There is no good insurance only expensive ones that do not want to PayPal out.
Fred **********
I used AA broker in Hua Hin. Very good and fast.
Saowaros ***************
Just to clarify the visa side —
For the Non-Immigrant O-A (Long Stay) retirement visa, health insurance is mandatory with at least 400,000 THB inpatient and 40,000 THB outpatient coverage, and it needs to stay valid for the duration of the visa.
The Non-Immigrant O (Retirement) visa obtained inside Thailand currently does not require insurance, but requirements can change.
For the 10-year LTR visa, the minimum requirement is USD 50,000 coverage (or meeting one of the alternative financial criteria).
It’s worth confirming which visa you’re applying for first, as that will determine what type of policy makes sense. Happy to share more details if helpful
For the Non-Immigrant O-A (Long Stay) retirement visa, health insurance is mandatory with at least 400,000 THB inpatient and 40,000 THB outpatient coverage, and it needs to stay valid for the duration of the visa.
The Non-Immigrant O (Retirement) visa obtained inside Thailand currently does not require insurance, but requirements can change.
For the 10-year LTR visa, the minimum requirement is USD 50,000 coverage (or meeting one of the alternative financial criteria).
It’s worth confirming which visa you’re applying for first, as that will determine what type of policy makes sense. Happy to share more details if helpful
Kim *********
Saowaros Sarakarnkosol the non o does not require health insurrance whether obtained inside Thailand OR outside - as you probably know.
Dave **********
ORIGINAL POSTERSaowaros Sarakarnkosol thank you
Andy ********
Saowaros Sarakarnkosol great advice on the Non Immigrant O visa. It is also available at most Thai Consulates. The problem with trying to apply in Thailand is you can't open a bank account without a long term visa.
Graham ******
Saowaros Sarakarnkosol The insurance for a Non-OA does not need to cover the 12 month period of the visa to get the visa approved. If, foe example, your insurance covers only 6 months you will be issued with a Non-OA but, on arrival in Thailand, your entry stamp will only be to the expiry of the insurance.
Dave **********
ORIGINAL POSTERGraham Seal thank you for that information
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Dave **********
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Chris ********
I would speak to a broker - this isn’t something you want to do yourself - it could get very complicated - the guys at
@Expat******
can help with this sort of thingBC ********
Which one are you talking about ? There are several which may or may not need insurance.
Sean **********
Non O does not need health insurance requirements. However, I too am looking for a reputable insurance agency. I have heard horror stories of people paying into insurance and not having their bills paid for. So Hopefully I will find a reputable insurance company. I have been leaning to A1A and AXA..
Saowaros ***************
Sean Franjesh It really comes down to choosing a reputable insurer and working with someone transparent.
These days, most companies allow you to pay premiums directly to the insurer, which adds security.
From there, it’s about selecting the coverage that fits your needs and understanding it clearly.
These days, most companies allow you to pay premiums directly to the insurer, which adds security.
From there, it’s about selecting the coverage that fits your needs and understanding it clearly.
Sean **********
Saowaros Sarakarnkosol tyvm
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Sean **********
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Sebastian ********
Sean Franjesh our family is insured with AIA. Never had a problem with any claims. Some have been rather large!!
Sean **********
Sebastian Barrow tyvm
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Sean **********
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Sebastian ********
Insurance only required on a Non-OA.
Not required on a Non-O.
Not required on a Non-O.
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Sebastian ********
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