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

Health Insurance Retirement Visa Non OA Visa Insurance Requirements Pacific Cross AXA Thai Visa Categories

Apr 29, 2025

10 hours ago

Jason ********

ORIGINAL POSTER

What health insurance do i look for 

With the retirement visa

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TLDR : Answer Summary

When considering health insurance for a retirement visa in Thailand, it's crucial to identify the exact type of visa you're applying for, as requirements can vary. Only the Non OA and OX visas mandate insurance coverage. Options like Pacific Cross and basic retirement insurance from AXA have been recommended. Many expats opt for a Non O visa, which does not require insurance upon arrival, and then choose suitable local insurance. It's advisable to consider policies that offer comprehensive coverage for unexpected medical expenses.

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.

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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.

6 hours ago

Alan **********

wrlife

9 hours ago

Chanya ********************

Easy Visa from AXA can help guaranteed to apply visa. Message me for more details.

9 hours ago

Gaz ********

Check with Mon at

@Abacus ***********

she is excellent and offers a variety of policies

@facebook.com/a***************

9 hours ago

Colin **********

***********************************************************

this the approved list

10 hours ago

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.

10 hours ago

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.👌🏼

9 hours ago

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.

8 hours ago

Marty *********

@Laurie **************

Thanks. That is good to hear.

9 hours ago

Reply to

Marty *********

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

10 hours ago

Kenny *****

Depend on what u need, if only to satisfy the visa requirements, than axa has basic retirement insurance for OA visa.

10 hours ago

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?

10 hours ago

Jason ********

ORIGINAL POSTER

@Stuart ********

thanx mate im in australia planning things. I dont ave or need health care yet . Im 55 very fit

10 hours ago

Simon ******

@Jason *******

yes I was 55 very fit and had major heart attack in CM cost my insurance company $60,000 Australian

9 hours ago

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.

10 hours ago

Reply to

Brad *******

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What are the recommended companies for compulsory healthcare insurance for the non-OA visa in Thailand?

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