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What are the insurance requirements for a Non-O visa application in Thailand, and what recommendations do you have for insurance providers?

Non-O Visa Thai Visa Types Health Insurance Insurance Requirements Expat Life in Thailand Visa Application Process

Apr 16, 2025

3 days ago

Ivan ********

ORIGINAL POSTER

Hello to everyone, 

Hope this is the right platform to ask & seek advice for my question

In the process of completing my Visa application for Non-O, 12 month stay with multi entry. 

UK born, though lived in Australia all but 6 months of my life. Seeking feedback as to insurance policies held by fellow members which comply with Visa / application requirements. 

I am trying to understand how Thai policies work & decide which is best for me. I have top private health cover in Australia (covers private/public hospitals, ambulance, medical visits, medication, dental, optical, injury rehab etc) 

Those here from Australia who know Medibank Private Health that’s who I am with, so looking for similar cover

Any recommendations of Insurance companies to speak to is greatly appreciated 

Thankyou in advance for any responses 

Keep smiling and have a wonderful day 🙏

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TLDR : Answer Summary

The user seeks advice regarding insurance policies that comply with the requirements for a Non-O visa application for a 12-month stay with multi-entry. Commenters clarify that there is no such thing as a 12-month Non-O multi-entry visa; instead, the appropriate path is to secure a 90-day Non-O visa, followed by a one-year extension and a re-entry permit. They note that the Non-O visa does not have strict insurance requirements, allowing for personal choice in insurance providers, but suggest the Non-O-A visa does require approved health insurance.

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Graeme ******

As Brandon has already mentioned there in no 12 month non O multi entry visa. However there is a non O-A visa that is multi entry for the first 12 months and can be extended 12 months as a single entry. This does have an insurance requirement from an approved insurance company as well as a police check and health check. You don't need money in a thai bank, it can be in your home bank, it still needs to have 800k baht equivalent or 65k baht monthly equivalent. If you plan to stay longer term it's easier getting a 90 day non o as Brandon has suggested

3 days ago

Ivan ********

ORIGINAL POSTER

@Graeme *****

thank you for your response. It is greatly appreciated. And I do apologise for misinterpreting the type of Visa . And yes, everything you said is correct As I mentioned above with my current circumstances, this is the most suitable Visa for me for the next 12 months, I have satisfied all other requirements and completed all of what is required. The only thing left to address is getting the correct health insurance and certificate signed by the insurance company to which I have asked my fellow members for recommendations on health insurance companies.

Thank you once again

3 days ago

Mike ******

@Ivan *******

we are on the same page and I never saw the 90 day visa they mentioned, I am also very confused about the insurance and certificate stuff, that’s why I said it’s hard to get a retirement visa from Thailand than Mexico and Portugal

3 days ago

Graeme ******

@Ivan *******

I would suggest you look at the limited number of approved insurers mentioned on the e visa website as an example AXA are one of the approved insurers, you can get a quote online and they will provide you with the appropriate certificate for your visa

3 days ago

Ivan ********

ORIGINAL POSTER

@Graeme *****

thank you for the advice as it turned out Axa was one of the insurance companies that I was reviewing on the website as approved for this Visa.

3 days ago

Michelle *********

@Ivan *******

live in Australia too.. great question and thankyou for finding out... we will be over to stay in Jan..looking forward to seeing your journey

3 days ago

Reply to

Michelle *********

Brandon ************

There is no such thing as a 12 month non-O multiple entry visa.

You have to get a 90 day non-O visa, which is single entry. Then once you are in Thailand you open a bank account, transfer the required funds (800,000 baht) within 30 days of arriving to Thailand, and then after the money has been in the bank for 2 months, you can apply for the 1-year extension (not a visa anymore, an extension).

Once you're on the 1-year extension, you can apply for a multiple re-entry permit. That does not make your extension multiple entry, it makes it multiple re-entry. Multiple entry is a completely different thing.

What a re-entry permit does is keep your extension alive if you leave Thailand. So normally if you left without one, your extension is cancelled as soon as you leave, and when you came back you would have to return as a tourist and start all over.

With a re-entry permit, your stamp stays alive, but you do not gain any extra time, and the time keeps ticking while you are out of Thailand.

So if your extension ends July 30, and you leave on March 30 with a re-entry permit, and then return on April 30, you'll be stamped back into Thailand until July 30th. If you're not back in Thailand before July 30th to apply for your next extension, you would lose it and have to start over.

The non-O visa does not have an insurance requirement. You are free to choose any insurance you want.

3 days ago

Ivan ********

ORIGINAL POSTER

@Brandon ***********

thank you for your response. I do apologise. It was a non-immigrant Visa (O-A) that I have applied for under a long stay for foreigners aged over 50

The THAI E-VISA Official website is telling me under section 4 to provide documents for health insurance

Question six says I must have health insurance issued by a tie or foreign insurer for general illnesses including COVID-19 with a some insured of no less than 3 million Thai baht.

Question seven says I must also supply a foreign insurance certificate as stipulated by the office of insurance commission and health insurance of Thailand And this must be completed signed and stamped by the insurance company to which that form is on the website

I hope this helps for clarifying my advice sort

3 days ago

Ivan ********

ORIGINAL POSTER

With my current circumstances, this is the Visa that is most suitable for me at the moment for a long-term stay in Thailand from June this year for the next 12 months

I have completed and satisfied all other requirements for this Visa. It’s just the health insurance that I need to address.

3 days ago

Wayne *********

@Ivan *******

buy policy from AXA Thailand called easy care get Doctor to sign the other form. Forget Aussie heath insurance

2 days ago

Reply to

Wayne *********

Brandon ************

@Ivan *******

Okay, so you applied for non-OA visa. The first question is, are you sure this is the visa you want, with the required health insurance, and the other things like background check, health check, etc? If you start with an OA visa, you will be required to keep this insurance forever, every year if you want to extend in Thailand, you have to purchase another year of the mandatory insurance.

Most people want a non-O, so there is no insurance requirement, and they extend annually with the 800,000 in a thai bank account.

But to answer your specific question, the only way you can use your own insurance is if they fill out the certificate from the embassy website and sign it. 99.9% of insurance companies will not do this, which means you must buy a policy from one of the Thai insurance companies on the approved list from the embassy.

3 days ago

Reply to

Brandon ************

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What are my options for health insurance with a Non-OA visa in Thailand considering my medical conditions?

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