What are the current health insurance requirements for the NON-IMM OA retirement visa in Thailand?

August 25, 2022
2 years ago
Alain **********
ORIGINAL POSTER
I have a NON-IMM OA retirement visa that I have extended every year for a couple of years. 2 years ago they started requiring an insurance for this type of visa with a minimum of 40K outpatient and 400K inpatient coverage which I got. Recently I received an email from my insurance company saying that now, due to covid, the requirement is to be insured with a 3 million coverage which demands much higher premiums ! I am surprised as I thought they had abandoned that requirement ! Can someone confirm !
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TLDR : Answer Summary
The user is inquiring about changes to health insurance requirements for the NON-IMM OA retirement visa in Thailand. They mentioned a recent email from their insurance company stating that due to COVID-19, the required coverage has increased to 3 million THB. Responses from the community clarify that while health insurance is mandatory for the OA visa, the specific coverage requirements were set to increase to 3 million THB (around 100,000 USD) from September 2022. The community discusses the implications of renewing visas, variant insurance options, and how to navigate extensions under the current regulations.
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Dick ********
Interestingly, my OA extensions runs from Oct 1 to Oct 1. I just renewed my extension through 2023 with my Insurance coverage at
******
. LMG renewed my policy for this amount to coincide with my extension dates and no discussions about needing increased limits.
Alain **********
ORIGINAL POSTER
@Dick *******
How could you have renewed your extension more then a month in advance as they now require OA holders to renew within 3 days of expiry !
Tod *********
@Alain *********
who told you that?

Most offices allow you to apply when you have 30 days or less left on your current stamp. Bangkok and a few others allow you to do it when you have 45 days or less left on the stamp

Here's my extension done FORTY TWO days before it was due in Bangkok
Dick ********
@Alain *********
what? Where are you in Thailand?
Alain **********
ORIGINAL POSTER
Tod *********
@Dick *******
right because you got an extension because you APPLIED for the extension BEFORE the Oct 1st date
Dick ********
@Tod ********
indeed. My comment was intended to provide insight to those who are able to renew before that date. ๐Ÿ˜‰
Tod *********
@Dick *******
, I went with an elderly friend a few weeks ago with an OA extension and the
******
insurance and they made him hold up the paper that states it goes to 3 million baht and took a photo of him holding it so that next year he can't say "I didn't know" ๐Ÿ˜ฎ

This paper
Gibbs ******
Have you considered NON-O instead?
Gibbs ******
@Alain *********
what I meant is getting a Non O versus the Non OA is better since on the Non O you do not have to exit every 3 months and do not need insurance and this is of course after you leave And reenter under vida exempt on a 30 day stamp
Alain **********
ORIGINAL POSTER
@Gibbs *****
I have. But i have to go out of the country first to get a 3 month NON-O first.
Tod *********
@Alain *********
you could also exit the country, re-enter on a visa exempt entry and go to your immigration office and apply for the in country 90 day non-O visa for 2000baht
Gibbs ******
@Tod ********
this is what I did I think itโ€™s his best option in the long run
Alain **********
ORIGINAL POSTER
@Gibbs *****
Why would it be my "best option in the long run" ? Going out of the country every three months is not convenient and expensive ! Wouldn't a one year NON-O gotten at the Bangkok immigration after having gotten a 3-month NON-O overseas be better ?
Tod *********
@Alain *********
or come in visa exempt, on a 30 day stamp and go apply first for the 90 day Non-O visa for 2000baht and then two months later for the year extension for 1900baht at the immigration office

you need to have the 800K baht transferred in from abroad into a thai bank account in your name only to get the 90 day Non-O and then it has to be in the account for 2 months to get the year extension
Tod *********
@Alain *********
get a 90 day Non-O visa from abroad, come in, meet the requirements inside the country and then apply for the year extension at the immigration office. I outlined that already.
Alain **********
ORIGINAL POSTER
@Tod ********
So I have to get the 3 month non-O visa before getting the 1 year non-O visa ! Can't I apply for the one year O on a tourist visa or on a visa free 2 weeks or 1 month entry stamp ?
Tod *********
@Alain *********
nope you are confusing two different things

You either get the 90 day single entry Non-O visa, come in get stamped in for 3 months, THEN you bank the 800K baht in a thai bank account in your name only for 2 months and go to the immigration office and apply for a yearly extension for 1900baht.

OR

You buy the year multi-entry Non-O visa and you bounce out and in every 90 days for the validity of the visa
Alain **********
ORIGINAL POSTER
@Tod ********
When you say "You get the 90 day single entry Non-O visa, come in get stamped in for 3 months, THEN you bank the 800K baht in a thai bank account in your name only for 2 months and go to the immigration office and apply for a yearly extension for 1900baht." does that mean that the funds can not use the 800K already existing in my Thai account as financial proof ? And if not, that they have to be transfered from overseas only once I am back in Thailand on a 3-month NON-O visa and that it has to be there at least 2 months before extention application date ?
Tod *********
@Alain *********
we seem to be having a disconnect or something ๐Ÿ˜•

This is NOT brain science or rocket surgery

You have 2 choices

exit the country and get the Non-O visa from a thai consulate BEFORE you come back (when you'll get stamped in for 90 days)

OR

you exit/re-enter without any visa (come in on a free visa exempt entry) and apply for the Non-O visa at the immigration office as soon as you get back.

The year extension process on either option is the same you need to show the 800K baht has been in a thai bank account in your name only for 2 months before you apply for the year extension
Alain **********
ORIGINAL POSTER
@Tod ********
Got You. Thank You.

Can the Non-O visa from a thai consulate be done anywhere (like Penang or KL) or does it have to be done in my country ? The reason I ask is that a friend of mine was first refused the 3-month NON-O at the Thai embassy in Phnom Penh as they suspected him of being a tourist in Cambodia. It is only when he showed them that he had a company in Cambodia that they agreed to grant him the visa.

I apolize for asking so many questions. I just want to make sure I understand it well.
Tod *********
@Alain *********
totally dependent on the consulate so start going to their websites and looking at the requirements ๐Ÿ˜•

To be honest, there's no need spinning your wheels trying to find a consulate that will do it and where you meet the requirements

You're on an OA now, just exit/re-enter on a visa exempt entry. Then get the bank letter, the updated bank book, the correct documents and go apply at the immigration office for the 90 day Non-O visa. Most offices require you have 15 days or more left on your entry stamp. SO if you come in on a 30 day visa exempt you need to get your shit together and go apply pretty fast, but it's totally doable especially seeing as you've already got the funds, etc and are ready in that regard
Tod *********
@Alain *********
as you are on an OA I think if you go the "get the 90 day Non-O inside the country they won't have any issues showing your bank account now that has the 800K in it at the immigration office.
Alain **********
ORIGINAL POSTER
@Tod ********
Can you explain what you mean by "bounce out and in every 90 days for the validity of the visa" ?
Tod *********
@Alain *********
a year long multi-entry Non-O visa that you get from a thai consulate before you come here is good for a 90 day entry stamp, that's it,

when that 90 days runs out, you go to the border, stamp out of thailand, stamp in&out of another country and stamp right back into thailand to get another 90 day entry stamp. You do that for the validity of the visa (12 months from the date it's issued) IF you time your bouncing correctly and you do one final bounce out/back before the visa itself expires you get one last 3 month entry giving you almost 15 months stay (in 3 month increments) on a visa that is valid for a year
James ********
James ********
YES...as always. Health insurance is required for the OA visa and its Extension of Stay in Thailand.

The health insurance policy required will change in September 2022 to the amount of US $100,000 or more ..3 Million Thai baht.

It can be from any insurance company. IF not a Thai insurer, a Foreign Insurance Certificate will need to be submitted along with the insurance policy at time of your application for the one year extension of stay as retired.
Greg ***********
the 3 million Baht back door was created in hindsight that expats older than 75 years old could be kicked from a private insurer, and then would be unable to sign a new contract with any other insurance due to old age. For these, the 3 million Baht bank deposit is the alternative to having to leave Thailand because being unable to get the mandatory health insurance
James ********
@Greg **********
thank you for sharing this with us.
Greg ***********
the wording of the police order. The novelty is, you can by now choose a foreign insurance for the Extension out of an old Non-OA, and you can circumvene the mandatory insurance with a deposit of 3 million Baht in your Thai bank account
Greg ***********
correct. The new police order, starting October 1st, 2022
Alain **********
ORIGINAL POSTER
@James *******
Do you know when in September it will start to be required ?
Greg ***********
@Alain *********
it will start by October 1st. Check out the new police order
James ********
@Alain *********
October 1, 2022...ask your Thai immigration office for their requirements for any extension done before October 1
Ellie *******
Insurance requirements for a 1-year extension based on retirement from Non-OA entry will be increased this September and it has nothing to do with Covid.

You are mixing the insurance requirements with the one for ENTERing Thailand during Covid chaos that had been lifted.
Alain **********
ORIGINAL POSTER
@Ellie ******
I am just repeating what my insurance company says...
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