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What health insurance options should I consider for a retirement visa in Thailand?

Retirement VisaHealth InsuranceNon-O VisaNon-OA VisaOX VisaPacific Cross InsuranceAIA InsuranceInsurance ProvidersMedical Insurance Requirements
Apr 29, 2025
21 days ago
Jason ********
ORIGINAL POSTER
What health insurance do i look for

With the retirement visa
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TLDR : Answer Summary
When looking for health insurance for a retirement visa in Thailand, consider your original visa type. The Non-OA and OX visas require mandatory health insurance, while the Non-O visa does not. Pacific Cross is recommended by several users for its coverage, while AXA offers a basic policy that meets visa needs. Local recommendations include AIA as a reliable provider, particularly for higher coverage limits. It’s important to choose a policy that fits your budget and needs, regardless of visa type.
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.
Pelle Eriksson
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Bob **********
If you go with the non-o no need to buy there insurance but you can do whatever you want a buy a company you like that will actually pay
19 days ago
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Alfred ***********
@Bob *********
 crap. Regardless of visa typ. Read my comments above. Medical Insurance under any visa type is mandatory. Do you understand the term mandatory
19 days ago
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Bob **********
@Alfred **********
 no you are totally wrong period an O-A or OX are the only two visas that insurance is mandatory been living here 26 years I know
19 days ago
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Bob **********
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Wayne ******
Do not use regency,
20 days ago
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Alfred ***********
@Wayne *****
 I agree 💯 they cancelled my policy not because I didn't pay my premiums. But I claimed 6,000 Usd after 5 years and they said they wouldn't pay because I'd never given them a full medical history. I did. I went to bkk hospital in 2020 had a full medical at my cost. Gave them the entire report in 2020. Then in 2024 was admitted to hospital. They refused my claim after 5 years because I didn't give them a full medical history. They had it from bkk hospital pattaya 5 years ago. wtf seriously. Worst insurance company in the entire universe. Please nobody go with Regency. They aren't thai based, they aren't UK based they are a shell company based in Nassau. Zero jurisdictional basis
19 days ago
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Alfred ***********
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Greg *********
I have a mid-tier policy through Pacific Cross. A lot of people self pay for their medical bills, but I don’t want hit with a huge bill in case I have a catastrophic accident or a terminal illness where I’m in a hospital for months and it drains my life savings. That happened to a friend of mine here.
20 days ago
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Alfred ***********
@Greg ********
 change seriously Pacific Prime are terrible I've had a ton of experience with them change to AIA
19 days ago
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Alfred ***********
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Alan **********
wrlife
20 days ago
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Chanya ********************
Easy Visa from AXA can help guaranteed to apply visa. Message me for more details.
20 days ago
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Gaz ********
Check with Mon at
@Abacus ***********
 she is excellent and offers a variety of policies
@facebook.com/a***************
21 days ago
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Alfred ***********
@Gaz *******
 don't you need a thai insurance company. End of
19 days ago
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Gaz ********
@Alfred **********
 itnis a thai company
19 days ago
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Gaz ********
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Colin **********
***********************************************************
this the approved list
21 days ago
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Alfred ***********
@Colin *********
 seriously you are quoting thai local advice. Have you ever dealt with immigration here. You ask 20nimmigeation officers thecsame question you'll get 20 different answers. No immigration officer or office follows the rules, they interpret them them themselves, zero consistency none at all. You've obviously not been to immigration in thailand or not seen the same person twice. Fool
19 days ago
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Colin **********
@Alfred **********
 take some chill pills bro, or were your supplies cut off? What I said is the correct, but if immigration don't follow the rules the advice on this group should be "ask the immigration officer" and sometimes that correct and sometimes not necessary. I've been here 15 years and have experience of 3 offices, the list a good sound starting point.
19 days ago
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Colin **********
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Marty *********
Even if you are fit accidents do happen here. I originally came here on an OA in 2017. I got Pacific Cross insurance. I’ve never made a claim with them so I can’t say anything about that. I am also using PC insurance for my LTR visa.

I also recommend you come here with an O visa. Insurance though is still a good idea.
21 days ago
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Laurie ***************
@Marty ********
 I got Pacific Cross for my retirement visa. Unfortunately, had a pretty bad scooter accident 3 months after arriving! Long hospital stay, orthopedic surgery on my ankle – covered everything.👌🏼
21 days ago
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Alfred ***********
@Laurie **************
 go with AIA and I'm not even with them. But best thai local insurance company. Been here 6 years and no one will cover you for more than 100,000 USD. only AIA will
19 days ago
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Alfred ***********
@Laurie **************
 luck is all I can say
19 days ago
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Craig **************
@Laurie **************
 Did you have a motorcycle license?
20 days ago
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Joe ********
@Laurie **************
 yeah, thanks. it’s one thing to find a company with helpful customer service and reasonable rates, but you never really know what you’re buying until you need it.
20 days ago
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Marty *********
@Laurie **************
 Thanks. That is good to hear.
20 days ago
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Marty *********
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Jesper *******
You don't need insurance if u are applying for the non O but u do need a insurance if applying for non OA.....many choose the route of non O and after arriving in thailamd they choose a local insurance that suits their needs although it's not required
21 days ago
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Alfred ***********
@Jesper ******
 for anyone no matter their visa status you need comprehensive medical insurance. It is,a requirement for any an all visa types. End of
19 days ago
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Alfred ***********
Bullocks pure and simple
19 days ago
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Jesper *******
@Alfred **********
 it's up to individual preferences of having a insurance or not....what I'm sharing is certain visa needs insurance as requirement to get approved and some visa doesn't need
19 days ago
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Jesper *******
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Kenny *****
Depend on what u need, if only to satisfy the visa requirements, than axa has basic retirement insurance for OA visa.
21 days ago
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Alfred ***********
@Kenny ****
 axa I have London. Axa thailand is a rep office only only. If you have insurance for 100,000 usd it works. Try getting comprehensive cover for 2.5 million USD they'll show you the door and say sorry NO WAY
19 days ago
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Alfred ***********
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Stuart *********
One that suits your budget and payout options.

Only the Non OA and OX Visa require mandatory insurance.

Since a “retirement visa” can be many things it would help to know what you mean.

Do you have a Non O Visa, A Non OA or OX Visa or an LTR Visa or do you have an extension of stay - and if so based on what original visa?
21 days ago
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Alfred ***********
@Stuart ********
 sorry Stuart we have communicated before but I'm afraid you are seriously misguiguided every visa type of which there happen to be like 50 in thailand require mandatory medical insurance. And only thai based companies are accepted for tax purposes. And as I've said this forum is for visa advice and anything else.
19 days ago
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Stuart *********
@Alfred **********
 You are correct that this forum is for visa advice and anything else. However you are wrong on everything else. Where are getting such garbage information from?
19 days ago
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Stuart *********
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Jason ********
ORIGINAL POSTER
@Stuart ********
 thanx mate im in australia planning things. I dont ave or need health care yet . Im 55 very fit
21 days ago
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Charles *******
@Jason *******
 well the very point of an insurance is to be preventive. You do not know what can happen to you tomorrow. Discarding the idea is quite silly
20 days ago
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Simon ******
@Jason *******
 yes I was 55 very fit and had major heart attack in CM cost my insurance company $60,000 Australian
21 days ago
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Martin ********
@Simon *****
 which company?
19 days ago
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Simon ******
@Martin *******
 just an Australian travel insurance company which I did before I left Australia and got a 8 months coverage
19 days ago
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Simon ******
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Brad *******
@Jason *******
 I thought the same thing. Was in the gym every day and running a couple hours a day and doing martial arts 4 days a week. The next thing I knew I was bedridden for two years. You never know when things are going to go south.
21 days ago
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Brad *******
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Thai Visa Advice and Everything Else
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Thai Visa Advice and Everything Else
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