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What are some recommended health insurance providers for acquiring an LTR visa in Thailand?

LTR VisaHealth InsuranceExpat InsuranceThailand Visa RegulationsTravel InsurancePacific CrossAxaBangkok InsuranceExpat Health Insurance
Oct 20, 2022
2 years ago
Yuri *********
ORIGINAL POSTER
Hello.

I need to buy 1-year health insurance policy for issuing LTR visa - "with coverage for hospitalization treatment of no less than 50,000 USD".

My travel insurance certificate was declined, could you please suggest any good companies to acquire suitable certificate?
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TLDR : Answer Summary
The user is seeking a health insurance policy that meets the LTR visa requirements of at least $50,000 coverage for hospitalization treatment. After an unsuccessful attempt with a travel insurance certificate, several commenters suggest various health insurance providers like Axa and Pacific Cross, and mention consulting local brokers for ready LTR plans. It's also noted that showing $100,000 in assets could negate the need for insurance. There's discussion on related visas like the OX visa and opinions about the best strategies for fulfilling visa requirements.
LONG TERM RESIDENT (LTR) VISA RESOURCES / SERVICES
Chris *****
I'm not sure *travel* insurance will cover you for living somewhere on a non-tourist visa. Call and check with the insurer you choose, explaining the visa, (in the event of a big claim you can be sure the insurer will look into this before paying). You probably need expat health insurance for living somewhere. If you ever need to claim, they might just have done you a big favour.
2 years ago
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Mark ************
Direct to Wrlife for all your needs ... MHF Wrlife
****************************
2 years ago
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Lindsey **********
@Joanna **********
2 years ago
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Puja ********
Chilli oil garlic oil n some Maggi liquid seasoning OR then - zattar
2 years ago
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Puja ********
@Todd ********
 sorry I was replying to another post
2 years ago
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Todd *********
@Puja *******
 haha. That’s what I thought
2 years ago
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Todd *********
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Todd *********
@Puja *******
 best insurance plan ever
2 years ago
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Todd *********
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Wyn **********
Arawan Namak.
2 years ago
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Malcolm *************
@Wyn *********
Agree Arawan is an excellent insurance agent 👍🏻
2 years ago
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Nigel ********
@Malcolm ************
, she didn't know about the LTR when I contacted her a few days ago and kept trying to sell me insurance for an OA visa.
2 years ago
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Nigel ********
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Wayne *********
I used Bangkok insurance for my OX visa
2 years ago
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Bobby ********
@Wayne ********
 Can I ask what your premium was? As you know I'm now looking at the OX visa (Sydney of course!) for next year
2 years ago
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Todd *********
@Bobby *******
 O-X looks like the way to go, especially for Aussies
2 years ago
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Bobby ********
@Todd ********
 Well it's 5+5 years, up there with the Elite Visa (although us Aussies already consider ourselves pretty elite anyway 🤣). The insurance is a pain, but
@ **************
s has found a cheapish one that'll tick the box, although I'll still carry my 12-month credit card insurance. But it beats the shit out of transferring money to Thailand and having to park it here.
2 years ago
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Todd *********
@Bobby *******
 sure does. And LTR now makes Elite the poor man’s LTR.
2 years ago
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Bobby ********
@Todd ********
 Too many boxes on that one! I go for the simple life. If I can deal directly with the Sydney Consulate (the best on the planet trust me), I'm happy.
2 years ago
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Todd *********
@Bobby *******
 no boxes. 80k income. And 100k in the bank. And direct deal with the office in BKK , not immigration. No 90 day.
2 years ago
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Bobby ********
@Todd ********
 Shipping money into Thailand is my biggest problem, which the LTR calls for. 90 day report now it's online is easy, 30 seconds. It's all what suits each individual, and the OX is great for me because I can leave my dosh in Aus getting good returns. But if it works for you it's great!
2 years ago
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Todd *********
@Bobby *******
 agree, but LTR required NO money into Thailand.

Clarification- for ‘wealthy retiree’
2 years ago
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Bobby ********
@Todd ********
 Ah ok, I thought it was in bank, property or bonds.
2 years ago
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Todd *********
@Bobby *******
 the Aussie O-X allowing you to keep the 3M baht equivalent in Aus is great. Not the same for Canadians unfortunately
2 years ago
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Bobby ********
@Todd ********
 That's the winner. And only through the Sydney consulate. Canberra doesn't have that one. Strange anomaly, but Sydney always has "gone it alone"
2 years ago
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Todd *********
@Bobby *******
 wow. Very interesting. I checked our RTE and the consulates just in case. That would be the way to go.

On O-X is it unlimited re-entry?
2 years ago
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Bobby ********
@Todd ********
 Yes it's multi-entry for five years.
@Wayne ********
 is the guy to talk to, he's actually on the OX and he's a FIFO guy, so he's in and out all the time (and I'm not talking about his sex life either! 🤣)
2 years ago
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Todd *********
@Bobby *******
 the stop drop for me and OX from Canada is the requirement to bring in 3 million baht
2 years ago
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Todd *********
@Bobby *******
 for retirees or o/50 only have to show income from whatever source.
2 years ago
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Bobby ********
@Todd ********
 But that's US$80k isn't it? I'm afraid I fall short of that!
2 years ago
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Todd *********
@Bobby *******
 yes. USD
2 years ago
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Bobby ********
@Todd ********
 Yeah, I'm not as rich as you mate!
2 years ago
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Bobby ********
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Wayne *********
@Bobby *******
 sent you a pm
2 years ago
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Bobby ********
@Wayne ********
 Thanks mate, got it! Looks good
2 years ago
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Bobby ********
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Wayne *********
@Bobby *******
 I will look it up for you
2 years ago
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Wayne *********
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Mark **********
I believe Pacific Cross can issue a compliant policy.
2 years ago
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Todd *********
Axa. Check with a local broker, some already have pre-made LTR plans available. You can also simply show $100k in assets in a bank somewhere for last 12 months and not bother with the insurance
2 years ago
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Wayne *********
@Todd ********
 not for applying for OA or OX in Australia, you must supply proof of insurance or you don’t get the visa
2 years ago
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Todd *********
@Wayne ********
 his question is LTR not OA or OX. No need to show insurance. Just need to show $100k in the bank somewhere
2 years ago
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Wayne *********
@Todd ********
 ahhh long term residence visa sorry
2 years ago
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Wayne *********
@Todd ********
 doesn't ltr mean long term retirement visa ? Which is OX
2 years ago
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Todd *********
@Wayne ********
 I believe he is referring to the new 10 year Long Term Residency visa.
2 years ago
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Wayne *********
@Todd ********
 cheaper and easier to get 5 year OX
2 years ago
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Todd *********
@Wayne ********
 it is cheaper to get 5 or 10 years O-X. But does that not require bringing the money into Thailand? And criminal record check. And medical etc
2 years ago
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Wayne *********
@Todd ********
 nope left my money in Australia bank
2 years ago
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Todd *********
@Wayne ********
 3 million deposited in thai bank within Thailand seems clear on here. You’re saying this isn’t a requirement?
2 years ago
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Wayne *********
@Todd ********
 look at the Sydney thai consulate site
2 years ago
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Todd *********
@Wayne ********
 I’m Canadian, but what does the Aus requirement state for financials?
2 years ago
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Wayne *********
@Todd ********
2 years ago
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Todd *********
@Wayne ********
 sadly that option appears only available to Australians. But good on ya. Canada RTE has same wording as within Thailand. The amount must be here in Thailand. So LTR it is 🙂 But no insurance requirement, no criminal record check, no 90 day check in, fast track at airport, and multiple entry. So it's still a lot more expensive (50k vs 10k) but has a few advantages.
2 years ago
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Todd *********
@Wayne ********
 very interesting. Will check the Canadian one also. Had only read the Thai site, but makes sense that each of the 14 nations may allow equivalent in their $$. Thanks
2 years ago
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Wayne *********
@Todd ********
 I got mine by simply showing letter of employment and salary
2 years ago
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Wayne *********
@Todd ********
 go and look at the Australia website it's different requirements
2 years ago
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Wayne *********
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Yuri *********
ORIGINAL POSTER
@Todd ********
 "simply show $100k in assets in a bank" - it's not so simple 😃

Thanks for Axa advice, I'll check their website.
2 years ago
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Jimmy *********
@Yuri ********
 i am going with AXA..if you have some questions..let me know..I will be applying on November 1 and have been talking with them awhile
2 years ago
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Alex *******
@Jimmy ********
 How are you "talking" to LTR? I sent them some emails and never got a response and other people said they also do not answer the phones at the numbers mentioned on their website?
2 years ago
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Todd *********
@Alex ******
 about 3 weeks just to respond to enquires
2 years ago
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Jimmy *********
@Alex ******
 email
2 years ago
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Alex *******
@Jimmy ********
 And how long until you get a response? I got an auto response they would respond in 2-3 business days, but now already nearly two weeks have passed without any response
2 years ago
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Jimmy *********
Ask for a quote
2 years ago
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Jimmy *********
@Alex ******
 I got a response in 24 hours
2 years ago
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Jimmy *********
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Todd *********
@Yuri ********
 12 easily available monthly statements seems more simply than chasing down the insurance. Seems likely that most people qualifying for LTR have that sitting around somewhere
2 years ago
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Wayne *********
@Todd ********
 says on website must have or at least 100 000usd deposit. I wonder id deposit in Thailand or home bank :)
2 years ago
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Todd *********
@Wayne ********
 as clearly stated there ‘or at least $100k USD deposit’
2 years ago
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Todd *********
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Alex *******
May I ask why your travel insurance certificate was declined?
2 years ago
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Klaus ******
@Alex ******
 why do you want to know? I don't understand
2 years ago
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Alex *******
@Klaus *****
 To learn from others and avoid making the same mistatkes
2 years ago
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Alex *******
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Christopher **************
@Alex ******
 max coverage 9f the best travel policy is 90 days.
2 years ago
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Wayne *********
@Alex ******
 probably because many travel insurance policy do not cover for 1 year of stay in one country. My policys always said either 60 or 90 days per trip even though it was a annual policy.
2 years ago
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Yuri *********
ORIGINAL POSTER
@Alex ******
 ¯\_(ツ)_/¯
2 years ago
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Yuri *********
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