What are the insurance requirements for the NON-IMM O-A visa in Thailand, and is the Emirates all-risk policy acceptable?

Oct 4, 2021
3 years ago
Geoff *******
ORIGINAL POSTER
Looking ahead to applying for a NON-IMM O-A visa, I note that, regarding financial requirements, the UK embassy now states:

'Financial evidence showing monthly income of not less than 65,000 THB (approx. £1,625) or having the current balance of 800,000 THB (approx. £20,000), e.g. bank statements, proof of earnings, for at least 1 month

Copy of evidence stating that applicants have insurance as per stipulated by the Office of Insurance Commission and health insurance of Thailand which covers COVID-19 related medical expenses, both inpatient and outpatient, no less than 100,000 USD for the whole period of your stay in Thailand.'

Specifically, the insurance requirement now seems to say that a single policy is acceptable provided that it covers the whole of the stay (one year). Does this mean that, for example, the free Emirates all-risk policy, with stated cover for 365 days, would be now be acceptable?
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TLDR : Answer Summary
The financial requirements for the NON-IMM O-A visa in Thailand include a monthly income of 65,000 THB or a bank balance of 800,000 THB, alongside health insurance covering COVID-19 with a minimum of 100,000 USD for the entire stay. There's uncertainty regarding the Emirates all-risk insurance policy's acceptability due to its terms and the insurer AIG's unwillingness to provide a Foreign Insurance Certificate. Further verification of the Emirates policy's compliance with specific inpatient and outpatient coverage is necessary.
James ********
This very question is bring discussed on other forums. The insurer of the Emirates policy is AIG and they are unwilling to sign the needed Foreign Insurance Certificate verifying that the policy meets the required insurance for the OA visa. This is a common practice by insurers as their legal department does not like to have to warranty coverages without claims review etc.
Nongnuch ********
the Emirates insurance is issued by the AIG, based in Luxembourg. The Emirates insurance only covers the TRIP duration - from the day of departure thru the day of return flight. If you have no return flight, you have no insurance! It is all in the fine print
Geoff *******
ORIGINAL POSTER
@Nongnuch *******
Of course, the trip can be up to 365 days...
Nongnuch ********
@Geoff ******
okay, but the insurance still doesn't qualify for a Non-Imm-O/A visa
Geoff *******
ORIGINAL POSTER
@Nongnuch *******
Emirates was just an example. There are other similar 'free' airline sponsored policies out there. Maybe they all refuse to sign..
Nongnuch ********
does the AIG issue a certificate of insurance for a Non-Imm-O/A ? You need to ask them. If they don't sign the "foreign insurance certificate", this insurance cannot be used for entry with a Non-Imm-O/A
Nongnuch ********
this answers his question regarding the Emirates insurance
James ********
@Nongnuch *******
they will not sign the foreign insurance certificate.
James ********
@Nongnuch *******
it's good for 31 days on a one way ticket.
Benjamin ******
I got interested reading this post, so I looked it up on the website. According to the website:

"Financial evidence showing monthly income of not less than 65,000 THB (approx. £1,625) or having the current balance of 800,000 THB (approx. £20,000), e.g. bank statements, proof of earnings, for at least 1 month

Copy of evidence stating that applicants have insurance as per stipulated by the Office of Insurance Commission and health insurance of Thailand which covers COVID-19 related medical expenses, both inpatient and outpatient, no less than 100,000 USD for the whole period of your stay in Thailand.

****Please check <
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> for more information regarding the insurance requirement."***

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(Emphasis mine)

A quick look over at the longstay.tgia.org website says the following:

"Applicant must be aged 50 years old and over (on the day of visa submission application)

This visa is allowed to stay in Thailand for 1 year each time.

Health insurance policy must have coverage not less than 400,000 Thai Baht per policy year for Inpatient, and not less than 40,000 Thai Baht per policy year for outpatient.

In the case where the accompanying spouse is not eligible to apply for the O-A visa, he or she will be considered for temporary stay under Category “O” visa. A marriage certificate must be provided as evidence."

(Source:
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Does Emirates all risk policy meet the coverage of 400K THB for inpatient, and 40K THB for outpatient, and will they be able to give that certificate? I have no idea.
Geoff *******
ORIGINAL POSTER
@Benjamin *****
Good question. Still hypothetical for me at the moment. Last time I got an O-A, I just squeaked in before any insurance requirement was imposed. The Emirates policy was certainly good enough to get my present sandbox COE, albeit with a visa exemption.
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