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

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.

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

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

(-non-immigrant-visas?page=5d6636cd15e39c3bddd&menu=5f4b6eb3f6ae4b2c562)

(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:

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.