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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
4 years ago
Yuri *********
ORIGINAL POSTERHello.
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?
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?
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.
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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.
Mark ************
Direct to Wrlife for all your needs ... MHF Wrlife
****************************
Lindsey **********
Puja ********
Chilli oil garlic oil n some Maggi liquid seasoning OR then - zattar
Puja ********
@Todd ********
sorry I was replying to another postTodd *********
@Puja *******
haha. That’s what I thoughtReply to
Todd *********
Reply
Todd *********
@Puja *******
best insurance plan everReply to
Todd *********
Reply
Wyn **********
Arawan Namak.
Malcolm *************
@Wyn *********
Agree Arawan is an excellent insurance agent 👍🏻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.Reply to
Nigel ********
Reply
Wayne *********
I used Bangkok insurance for my OX visa
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 yearTodd *********
@Bobby *******
O-X looks like the way to go, especially for AussiesBobby ********
@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.Todd *********
@Bobby *******
sure does. And LTR now makes Elite the poor man’s LTR.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.Todd *********
@Bobby *******
no boxes. 80k income. And 100k in the bank. And direct deal with the office in BKK , not immigration. No 90 day.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!Todd *********
Bobby ********
@Todd ********
Ah ok, I thought it was in bank, property or bonds.Todd *********
@Bobby *******
the Aussie O-X allowing you to keep the 3M baht equivalent in Aus is great. Not the same for Canadians unfortunatelyBobby ********
@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"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?
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! 🤣)Todd *********
@Bobby *******
the stop drop for me and OX from Canada is the requirement to bring in 3 million bahtTodd *********
@Bobby *******
for retirees or o/50 only have to show income from whatever source.Bobby ********
@Todd ********
But that's US$80k isn't it? I'm afraid I fall short of that!Todd *********
@Bobby *******
yes. USDBobby ********
@Todd ********
Yeah, I'm not as rich as you mate!Reply to
Bobby ********
Reply
Wayne *********
@Bobby *******
sent you a pmBobby ********
@Wayne ********
Thanks mate, got it! Looks goodReply to
Bobby ********
Reply
Wayne *********
@Bobby *******
I will look it up for youReply to
Wayne *********
Reply
Mark **********
I believe Pacific Cross can issue a compliant policy.
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
Wayne *********
@Todd ********
not for applying for OA or OX in Australia, you must supply proof of insurance or you don’t get the visaTodd *********
@Wayne ********
his question is LTR not OA or OX. No need to show insurance. Just need to show $100k in the bank somewhereWayne *********
@Todd ********
ahhh long term residence visa sorryWayne *********
@Todd ********
doesn't ltr mean long term retirement visa ? Which is OXTodd *********
@Wayne ********
I believe he is referring to the new 10 year Long Term Residency visa.Wayne *********
@Todd ********
cheaper and easier to get 5 year OXTodd *********
@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 etcWayne *********
@Todd ********
nope left my money in Australia bankTodd *********
@Wayne ********
3 million deposited in thai bank within Thailand seems clear on here. You’re saying this isn’t a requirement?Wayne *********
@Todd ********
look at the Sydney thai consulate siteTodd *********
@Wayne ********
I’m Canadian, but what does the Aus requirement state for financials?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.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 $$. ThanksWayne *********
@Todd ********
I got mine by simply showing letter of employment and salaryWayne *********
@Todd ********
go and look at the Australia website it's different requirementsReply to
Wayne *********
Reply
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.
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 awhileAlex *******
@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?Todd *********
@Alex ******
about 3 weeks just to respond to enquiresJimmy *********
@Alex ******
emailAlex *******
@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 responseJimmy *********
Ask for a quote
Jimmy *********
@Alex ******
I got a response in 24 hoursReply to
Jimmy *********
Reply
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 somewhereWayne *********
@Todd ********
says on website must have or at least 100 000usd deposit. I wonder id deposit in Thailand or home bank :)Todd *********
@Wayne ********
as clearly stated there ‘or at least $100k USD deposit’Reply to
Todd *********
Reply
Alex *******
May I ask why your travel insurance certificate was declined?
Klaus ******
@Alex ******
why do you want to know? I don't understandAlex *******
@Klaus *****
To learn from others and avoid making the same mistatkesReply to
Alex *******
Reply
Christopher **************
@Alex ******
max coverage 9f the best travel policy is 90 days.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.Yuri *********
ORIGINAL POSTER@Alex ******
¯\_(ツ)_/¯Reply to
Yuri *********
Reply
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