Answered6 years ago
What insurance options are available for an 83-year-old applying for an O-A visa in Thailand?
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.
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.
24 repliesnewest first
Click comment and we will ask for your email, then OTP, then name.
Alberto *********
Any travel insurance
Ken ******
and elite visa does not require health insurance?
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?
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
Bobby ********
@Ken *****
. 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
John *********
OP@Bobby *******
I spoke to Immigration official and they said no discussion on changes to nonO retirement visas and conditions in the near future. Bobby ********
@John ********
. 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
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.
John *********
OPThanks to all for comments - I found Pacific Cross has a special provision and can do at about
*****
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 *****
0 baht. This also includes the Covid $*****
0 cover that is required for COE so overall although expensive, is just manageable. 
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.
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.
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.
Janin ******
@Paul ******
, with O visa you don’t need the insurance forimmigration. Although it’s always better to have one.
Paul *******
@Janin *****
. Yes. That is what I said. Ken ******
@Janin *****
can one change from OA to O visa? Ken ******
@Paul ******
thank you for the update. Is there any agency in bangkok which can help process change from OA to O visa? Janin ******
Ken Chao, Yes you can but not as long as your OA is valuable. When it expires you can change
Paul *******
@Ken *****
Yes of course. 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
Ken ******
@Bobby *******
can elite visa exempted from insurance? i doubt itBobby ********
@Ken *****
. We're talking the ******
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 enterBobby ********
@Ken *****
. 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 futureKen ******
@Bobby *******
i see but O visa can renew if already got it?Bobby ********
@Ken *****
. O visa for age 50+ is finished. No longer accepting for entry. Ken ******
@Bobby *******
i see, but it seems O visa does not require health insurance but OA does, different treatmentActivity
8 joined8
people
Related
25What are the best health insurance options for a 77-year-old man applying for an O-A retirement visa in Thailand?
10.8k522236mo
What health insurance options are available for diabetics on an OA visa in Thailand?
3.1k27209mo
What are the health insurance requirements for extending an O-A visa in Thailand, and is AIA Health coverage sufficient?
1.8k14101y
What are the recommendations for affordable health insurance in Thailand for expats?
2.5k16201y
What are the best recommendations for health insurance in Thailand?
4.1k37251y
What health insurance options are available in Thailand for retirees with pre-existing conditions?
3.8k25492y
What are the recommended long-term health insurance options for New Zealanders living in Thailand?
843522y
What are the best health insurance options for someone staying in both Thailand and the USA?
1.2k832y
What insurance options are available for OA visa holders in Thailand?
1.3k984y
What health insurance options are recommended for a USA expat spending 6 months in Thailand and traveling to Vietnam and Malaysia?
60824y
What are some good and affordable insurance options for expats living in Thailand?
1.5k10104y
What are the best options for COVID insurance in Thailand?
1.7k13114y
What are the cheapest health insurance options for an O-A visa in Thailand?
3.8k35204y
What are some recommendations for reasonably priced health insurance in Thailand?
2k15105y
What are the current regulations for O-A health insurance in Thailand?
3495y
What insurance services are available for children under 1 year old in Thailand?
3205y
What health insurance options for Covid coverage are recommended for the A-O visa application in Thailand?
611315y
Is SafetyWing a reliable insurance option for expats in Thailand?
1.3k885y
What insurance companies are approved for Non-OA Retirement Visa requirements in Thailand?
1.8k1585y
What are the best economical health insurance options for expats re-entering Thailand?
2.1k17145y
What are some recommended medical insurance options for Canadians traveling to Thailand to meet visa requirements?
2.1k2075y
What are the best insurance companies for a 70-year-old expat in Thailand?
3.3k30166y
What are the best local health insurance options for short-term vacations in Thailand?
765356y
What are the approved Covid insurance suppliers for foreigners in Thailand?
745516y
Where can I find health insurance for an elderly individual to meet Thailand's visa requirements?
6.2k59426y
Resources
Need help with your Thai visa?
#1 visa agent · 4,000+ reviews · 100,000+ expats served