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What insurance options are available for an 83-year-old applying for an O-A visa in Thailand?

O-A visa health insurance expat insurance Thailand health coverage elderly health insurance Pacific Cross medical insurance for seniors Elite Visa COVID-19 insurance requirements expat community advice

Oct 20, 2020

4 years ago

ORIGINAL POSTER

Does anyone know of an Insurance company who can provide the 400k inpatient heath cover for O-A visa for my 83 year old mother?  Please don’t provide standard list of insurers as their cut off age is 75.

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TLDR : Answer Summary

The original post asks for health insurance options for an 83-year-old mother applying for an O-A visa in Thailand, specifically looking for coverage that meets the 400,000 baht inpatient requirement. Responses suggest challenges in finding coverage for seniors over 75, with references to Pacific Cross as a possible provider. Alternatives such as using a family member's long-term visa or considering the Elite visa— which may not require health insurance—are discussed. The conversation includes insights on insurance requirements and experiences from other members in similar situations.

Alberto *********

Any travel insurance

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Ken ******

and elite visa does not require health insurance?

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Ken ******

the rationale for health insurance is strange, it is said many escaped the medical bills or abused the system. So why different treatment for O and OA visa? why can't clinic and hospitals charged non locals first before offering treatment?

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Ken ******

it would be very expensive to take out health insurance near 75, and not much practical use if pre-existing conditions are excluded, but probably no other way out

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Bobby ********

. O visa for retirement is finished. Those on extensions within Thailand still don't need insurance, but it's possible it will come in the future. I think any longstay visa of 12 months will require insurance at some point in the future

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John *********

ORIGINAL POSTER

I spoke to Immigration official and they said no discussion on changes to nonO retirement visas and conditions in the near future.

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Bobby ********

. I wouldn't expect it to be in the near future. I would simply advise people approaching 75 to consider taking out insurance. Not many embassies were issuing Non-O for over 50 even before Covid, now of course none are, and whether they will again remains to be seen, but it could be a major gamble for those approaching 75

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Bobby ********

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Geoff ********

Must include 40,000 baht outpatient cover also. Plus an extensive medical report which would probably come up with exclusions. I am 77 living in Thailand. Tried with Pacific Cross but found it unsatisfactory so I have upgraded my existing policy with Aetna ( formerly Bupa whom I first joined at age 59). Very expensive indeed. Even if I went to an Elite Visa would still need health insurance at my age. Immigration will only accept insurance certificate from the 12 listed Thai companies and no other.

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John *********

ORIGINAL POSTER

Thanks to all for comments - I found Pacific Cross has a special provision and can do at about

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0 baht but if you take the maximum deductible ( which I can as my mother is also covered by her home country insurance) then it can be halved to about

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0 baht. This also includes the Covid $

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0 cover that is required for COE so overall although expensive, is just manageable.

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Petrouchka ******

I did a research for my husband who is 77. Apparently the only one for people over 75 is Pacific Cross, but it is about 3000€ a year.

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Paul *******

Looking at it at a different perspective.. And there's a few if's and buts too..

Apparently, family members can come here on the back of your long term visa ( if you have one) And if you were on an 'O' visa , then your mum would be on the same visa and therefore wouldn't need the medical insurance..

But I'm not sure exactly how it would work out. Maybe someone else knows. And then of course we got the new covid restrictions. So it's a long shot, but might be worth looking into anyway.

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Janin ******

, with O visa you don’t need the insurance for

immigration. Although it’s always better to have one.

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Paul *******

. Yes. That is what I said.

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Ken ******

can one change from OA to O visa?

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Janin ******

Ken Chao, Yes you can but not as long as your OA is valuable. When it expires you can change

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Paul *******

Yes of course.

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Ken ******

thank you for the update. Is there any agency in bangkok which can help process change from OA to O visa?

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Ken ******

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Bobby ********

At 83 I doubt you'll get it anywhere. Contact each of the approved insurers and see what they say, but I think you'll find it's a no go. Look at getting elite visa instead

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Ken ******

can elite visa exempted from insurance? i doubt it

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Bobby ********

. We're talking the

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insurance here. At the moment Elite Visa doesn't need insurance. What happens in the future is anyone's guess. Elite still needs the covid insurance to enter

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Ken ******

i see, but it seems O visa does not require health insurance but OA does, different treatment

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Bobby ********

. O visa for age 50+ is finished. No longer accepting for entry.

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Ken ******

i see but O visa can renew if already got it?

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Bobby ********

. You cannot renew a visa. You can get an in country extension. For those already in Thailand it works. However, there's every possibility that all longstay extensions of 12 months will require insurance in the future

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Bobby ********

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