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What health insurance options do retirees on a Non-OA Visa in Thailand recommend?

Non-OA Visa Thailand Insurance Retirement Insurance Health Insurance for Expats Insurance Companies in Thailand LMG Insurance Pacific Cross April Insurance Falcon Insurance

Jul 8, 2021

3 years ago

ORIGINAL POSTER

My question is for those in Thailand on a Non-OA Visa based on retirement. What insurance did you choose and why?

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TLDR : Answer Summary

The discussion focuses on health insurance choices for expatriates in Thailand on Non-OA Visas, particularly for retirees. Various insurance options are shared, with many mentioning LMG, Pacific Cross, and Falcon as viable alternatives. Users reflect on their experiences, highlighting factors such as ease of dealing with providers, cost, and the necessity of specific coverage to meet visa requirements. There is mention of mandatory insurance regulations that have evolved in recent years, impacting the choices available for retirees.

NON-O RETIREMENT VISA RESOURCES / SERVICES

Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.

Lisa ********************

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Tod *********

Most people (especially ones who have good health coverage already but one that isn't on the list of the 15 approved companies) just get that 200K baht deductible policy from LMG to "tick the box" and show you have the mandatory 40K/400K out/in-patient coverage required.

It's basically a 'throw away' policy because you're going to pay the first SEVEN THOUSAND USD of any claim before the insurance kicks in BUT the premiums are low and once you're covered on it you can keep renewing it year after year with no age limit

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Bruce *****

I got April underwritten by lmg a Thai company thro aa insurance Hua hin pricey but competitive and went for outpatient only all good so far but not needed to make a claim

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Roy ***********

Just like

I got LMG, 200k deductible, to meet OA requirements and most likely will never have any other use for it. Cigna inpatient is my key insurance, but not certified for OA requirements - but that might change later this year. This image shows rates from about July of last year.

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Marlene ******

@Roy **********

wow ..are these in dollar or baht?

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Roy ***********

baht

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Marlene ******

@Roy **********

not too bad….if they will only cover the elderly…..

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Marlene ******

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Ken ******

i am curious immi dept accepts deductible insurance as the reason given by the authority on compulsory insurance was that expats incurred and not settled large amount of medical bills (i don't know how possible) so how to ensure people pay up if large amount of deductible allowed?

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Ken ******

and my insurance company is in immi list of insurers, it is cheaper than AXA CIGNA and almost all others in the list, some/most do not accept applicants aged over 65 or with pre existing undesirable health conditions

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Ken ******

@Roy **********

seems pretty cheap to me, i paid 6 times as much for another company, i am 67

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Edna *******

@Roy **********

outrageous!

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Frank ********

@Roy **********

- Do you mran this:

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Frank ********

And what does that mean for us exactly?

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Roy ***********

and...

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Roy ***********

Yes, and...

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Roy ***********

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Graeme **********

Falcon insurance meets the requirements. Cheapest one I could find for people over 65

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Bob **********

Shady insurance just to get the extension

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Frank ********

I came to Thailand in 2013 with the OA visa and there was no special compulsory insurance. Therefore I only took out insurance with APRIL for inpatient treatment (coverage $ 1,000,000) Since the end of 2019, a special Thai insurance has been compulsory, APRIL was not recognized. Just to get the certificate for the one-year extension, I then took out an actually pointless insurance with LMG. Cost per year (I'm 73 years old): 11,400 baht with a deductible of 200,000 baht.

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Robert ********

Pacific Cross. I don’t remember doing a huge assessment but easy and cheap enough to deal with in English.

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Alan ***********

Following

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Ken ***********

Following. I am interested in people's experience with insurance in Thailand.

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Ken ***********

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The Thai Visa Advice And Everything Else group allows for a broad range of discussions on life in Thailand, beyond just visa inquiries.

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