Answered6 years ago
What are the insurance requirements for a retirement visa in Thailand?
What are the requirements for insurance for retirement visa
Answer summary
The requirements for insurance when applying for a retirement visa in Thailand can differ based on the type of visa. For the Non-OA visa, one must provide a health insurance policy that covers at least 40,000 THB for outpatient and 400,000 THB for inpatient. If applying for a retirement visa after entering Thailand, insurance may not be needed, while COVID-19 insurance is required for the Certificate of Entry when entering the country. The discussion clarifies that the Non-O visa does not require insurance. It's essential to check specific immigration office requirements.
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Thomas *********
I just used AA Insurance Brokers Bangkok and Pattaya. €511 euros including Chinese Flu cover. This as just been accepted by the Thai Embassy and my Non-O single entry visa. Good luck
Gene **********
This is all Clear as Mud! 🙄🙄🙄
Frank ********
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Tod *********
Jezus H Christ this thread is a cluster fuck of good and bad info
OK, first lets discount the 100K baht covid insurance <- that's needed by EVERYONE entering the country no matter the visa type.
Heres how insurance works on "retirement visas"
IF you BUY a Non-Immigrant Type O-A (Long Stay) VISA from a thai consulate in your country before you wing your way here (that's the visa that requires a police back ground check, a medical certificate, showing proof of funds in your country AND mandatory 40k/400k (outpatient/inpatient) health insurance.
IF you BUY a Non-Immigrant Type O VISA <- note there is no A after the O, from a thai consulate in your country before you wing your way here it does NOT require you to carry mandatory health insurance
IF you come here on a tourist visa or visa exempt entry and then apply IN COUNTRY for first a 90 day Non-O VISA and then a year extension of stay based on retirement at the immigration office there is no proof of insurance required.
OK, first lets discount the 100K baht covid insurance <- that's needed by EVERYONE entering the country no matter the visa type.
Heres how insurance works on "retirement visas"
IF you BUY a Non-Immigrant Type O-A (Long Stay) VISA from a thai consulate in your country before you wing your way here (that's the visa that requires a police back ground check, a medical certificate, showing proof of funds in your country AND mandatory 40k/400k (outpatient/inpatient) health insurance.
IF you BUY a Non-Immigrant Type O VISA <- note there is no A after the O, from a thai consulate in your country before you wing your way here it does NOT require you to carry mandatory health insurance
IF you come here on a tourist visa or visa exempt entry and then apply IN COUNTRY for first a 90 day Non-O VISA and then a year extension of stay based on retirement at the immigration office there is no proof of insurance required.
Richard ********
@Tod ********
I don’t have C V insurance as I arrived and started living here prior to it being required so I will not need CV insurance for my type “O” visa extension. Correct?Tod *********
@Richard *******
correct, O visa EXTENSIONS at the immigration office do not require insurance of any kind.. Richard ********
@Tod ********
OK very clear thanks for your time with this and of course I will check with immigration before. 🤔🤔😂😂😂😂Tod *********
@Richard *******
you came in BEFORE the quarantine was in effect so you did NOT need covid insurance, AND
you got a Non-O visa INSIDE the country which means you do not need the mandatory health insurance
Richard ********
@Tod ********
health insurance? Sorry mate just I could not see it above. Richard ********
@Tod ********
👍👍👍Lisa ********************
@Tod ********
I'm confused now ( doesn't take a lot) but I thought everybody needed Covid insurance cover to get a COE? Tod *********
@Li**
I said everyone COMING IN to the country now needs the 100K USD Covid insurance so I was not gonna talk about that in relation to a retirement visa No matter HOW you enter you need that.
I was only addressing the actual insurance requirements needed for the different types of "retirement visas"
Lisa ********************
OK got ya. That's what I was saying too. 👍. It's early and I had a late night 😁🥂🍹 my head hurts a bit , and I didn't read your post properly. Sorry 😊
Tod *********
Tod Daniels approves this post (y)
The guy is an asshole but he knows thingz
The guy is an asshole but he knows thingz
Adam ******
let me know i send my Insurance agent phone number
The Viriyah Insurance Company Limited
The Viriyah Insurance Company Limited
Benjamin ******
>What are the requirements for insurance for retirement visa
There are two insurance requirements:
1. For the Certificate of Entry for COVID-19. This meets the minimum 100K USD. I recommend
2. FOR Non-OA visas only (and one year extension of stay based on retirement from and Non-OA visa): This requires meeting long-stay health insurance requirements. You can find a listing of approved health insurance companies at
There are two insurance requirements:
1. For the Certificate of Entry for COVID-19. This meets the minimum 100K USD. I recommend
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2. FOR Non-OA visas only (and one year extension of stay based on retirement from and Non-OA visa): This requires meeting long-stay health insurance requirements. You can find a listing of approved health insurance companies at
**************************
Stan *******
If you apply for retirement before you arrive, O-A visa, you must buy expensive health insurance for a year plus covid insurance. If you apply for retirement after you arrive, theres currently no health insurance requirement
Richard ********
@Stan ******
Can I check this again. I applied for my retirement visa after I arrived in February, so I don't need to have insurance when I extend in April, and I didn't need insurance anyway because I applied here after arriving. CorrectTod *********
After you arrived here
@Ric****
you applied first for a 90 day non-O visa based on being over 50 (retirement) and you showed NO insurance to get it. SO when you apply for your yearly extension of stay based on holding that Non-O visa (also based on retirement) you will NOT need insurance.Stan *******
@Richard *******
if they didn't ask for proof of insurance when you applied... Then why would you worry. Though each immigration location seems to do whatever they choose, if your location didn't bring up the subject, why would you? Just take the extention they give youAndrew *******
@Stan ******
correct 
JD ********
The Non Imm O-A visa and Extensions of Stay from it - Does require an insurance policy. While the Non Imm O and subsequent Extensions from it Do Not Require Insurance.
Sammy *******
Google is your friend!!
Tod *********
@Sammy ******
not always. The sad fact if the matter is there is so much bad information and wrong terminology used out there on the inter-web that you have a *****
chance of getting the wrong info even from thai government websites :( Andrew *******
@Sammy ******
trueAndrew *******
I have had a retirement visa for a few years and never required insurance. I suggest you check the govt website for factual advice.
JD ********
It is all a matter of Terminology... The Non Imm O (when used for retirement) comes in as 90 days. At 45 down to 30 days remaining the Expat applies for an Extension of Stay - One Year. Then every one year anniversary after that the Expat applies for another Extension of Stay. Many people consider this 2nd, 3rd. year, etc. to be a Renewal - but it is not. If one watches closely all the same forms newly filled out and copies of things are same as the previous year. An actual renewal would imply using some of the documents from last year to shorten the application preparation - but that does not happen... new bank records, etc.
JD ********
Actually under normal times when the Thailand and neighbor border counties borders were open - and Border Runs / Border Bounces could actually happen - a person holding a Non Imm O-A visa could near the end of the First Year bounce out and back in (example Malaysia) and get stamped back into Thailand for another 12 months of the Visa. The second year of the O-A under these circumstances is not an Extension of Stay
Philip **********
@Andrew ******
sameJD ********
The Non Imm O-A visa and Extensions of Stay from it - Does require an insurance policy. While the Non Imm O and subsequent Extensions from it Do Not Require Insurance.
Steve *******
@Andrew ******
I'll bet you havent had a "retirement visa for a few years", I'll bet it's an extention of stay and NOT a visa. I suggest you check your passport for facts before trying to be a smartass!Andrew *******
@Steve ******
happy to have a bet with you. How much would you like to bet?Steve *******
@Andrew ******
So you've got a Non Imm O visa? Post a picture of it please. The Non Imm O visa only allows you a stay of 90 days yet you claim to have had a retirement visa for a few years. Very strange.Andrew *******
@Steve ******
incorrect Steve *******
@Andrew ******
So I win the bet. You dont have a visa, you have an extention of stay.Andrew *******
@Ken ******
totally agree with you and the challenges. That’s why anybody who thinks they can give advice should be in the position of knowing all the facts. It’s not easy for anyone to navigate this and do the right thing. 
Ken ***********
@Andrew ******
we are all just trying to navigate a very bureaucracatic, non transparent system with little guidance provided. It puts most on edgeAndrew *******
@Ken ******
. Ken that is exactly my point. Without knowing all the facts people should not give advice. Thank you for highlighting that. Ken ***********
@Andrew ******
Steve Greir is correct. If you have extended your visa many years without showing proof of insurance, then your original visa was a Non-O and not a Non-OA and you are currently on a yearly extension not your original Non O which expired years ago.Lisa ********************
@And***
essential for COE now. Andrew *******
@Lisa *******************
yes. That is making the assumption that the person is not in Thailand Lisa ********************
@J**
not sure now. They've changed the rules since Covid. But I'm not talking about extensions. I'm saying to enter Thailand now Covid insurance is required for the COE. In case you test positive during quarantine and get shipped to hospital.
Joe ***********
@Lisa *******************
Not Correct...The Non Imm O-A visa and Extensions of Stay from it - Does require an insurance policy. While the Non Imm O and subsequent Extensions from it Do Not Require Insurance.
Andrew *******
@Lisa *******************
shouldn’t provide advice without all the facts. Also 99% is an overstatement Lisa ********************
@And***
99% of people asking questions in this group are trying to enter Thailand. Andrew *******
@Lisa *******************
correct. And that’s why people should not give advice without all the factsLisa ********************
@And***
yes to enter Thailand now, you need Covid insurance. If you're already here and not intending to leave and return in the next 12 months , you don't necessarily need insurance.Lisa ********************
Email:
Great service.
Arawan Namak
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Great service.
Arawan Namak
Kool *******
For an OA retirement visa it is bt40,000 out patient coverage, and bt400,000 impatient coverage, if I remember right.
Kool *******
David Broadfoot you passed the interview. You're hired...lolol
Stephen ******
@Kool ******
"impatient" coverage is the cutest typo I've seen in a while.Kool *******
@Stephen *****
wow, my spell checker usually catches that. Going to have to delete Google, and use you...lololol.
Michael **************
OP@Kool ******
Thank you
Steve *********
Which type of visa?
Xaynaly **************
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Phone number +6626653600
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*****
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Daniel ************
depends there is non o - none - oa needed
Wyn **********
365 days.
Michael **************
OP@Wyn *********
Yes 365 on OA visa Activity
23 joined23
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