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What are the health insurance requirements for extending an O-A visa in Thailand, and is AIA Health coverage sufficient?

O-A visa health insurance Thailand AIA Health visa extension expat living insurance requirements

Aug 20, 2025

8 months ago

Álex ********

ORIGINAL POSTER

AIA Health Happy and O-A visa extension. 

Hi, I'm gonna extend by second time my O-A visa. For the first 2 years I got AXA Easy Care but it has a very high deductible what make it basicly useful only for visa purposes.

I want to get a better health insurance and AIA matches feels quite interesting.

However they don't have a plan designed for O-A as AXA has.

If I'm not wrong insurance requirements are 400k for inpatient and 40k for outpatient.

AIA offers 25M coverage but about outpatient it says "2k per visit up to 30 times a year". I wonder if this is accepted by immigration.

Anybody else with similar case?

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TLDR : Answer Summary

The discussion revolves around extending an O-A visa in Thailand and the health insurance requirements associated with it. The original poster seeks advice on using AIA Health, which offers substantial coverage but may not meet specific outpatient requirements. Key points include the need for insurance providing 3 million baht coverage for O-A extensions and opinions on alternative providers like Pacific Cross. Participants shared insights about mandatory insurance coverages, encouraged consulting with brokers, and clarified that new regulations have been established, impacting prior requirements.

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8 months ago

Rob **********

OA extensions require 3 million baht health insurance coverage, the old rule was 400,000 baht inpatient coverage, but that changed a few years ago.

8 months ago

Loic *******

Pacific Cross is one of the approved OA visa insurance providers and would be worth looking into.

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8 months ago

Ant ***********

Non OA requires having

IPD - inpatient cover

&

OPD - outpatient

8 months ago

Frank ******

@Ant **********

not true.

8 months ago

Reply to

Frank ******

Wannikea *********

Speak with

@Robert ********

8 months ago

Max *************

I would suggest checking out Pacific Cross. I've been with them for years. Loads of priceworthy plans/covers. Their customer service for expats is really good.

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8 months ago

Jody ********

Alex Franco....please reach out to

@Robert ********

. My insurance guru. Knowledgeable. Honest.

8 months ago

John **********

A Non-OA based extension of stay requires 3 million baht insurance cover, no separate covid insurance required. The requirements changed a few years ago.

8 months ago

Sue **********

2k per visit up to 30x per year = 60k/year 😉

8 months ago

Graham ******

Easier and better to exit then start again on a Non-O as extending a Non-OA means you have to meet two requirements every year, the mandatory Thai insurance and the financial requirements such as 800k seasoned.

8 months ago

John **********

@Graham *****

*800k

8 months ago

Graham ******

Thanks, edited

8 months ago

Reply to

Graham ******

Phil ******

@Álex *******