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Answered2 years ago

What is the approximate cost of health insurance for the OA visa in Thailand for a married couple aged 57 and 50?

David ************
asked May 7, 2024
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Health Insurance for OA Visa.

Would some of you kind people who have recently had to get this insurance for their visa mind sharing the cost?

I presume there are factors that may determine the cost, like age, but just some general ideas would be great at this point so I know what ball park i'm looking at. (married couple 57 & 50). Many thx in advance.
Answer summary
The cost of health insurance for the OA visa can vary significantly based on factors such as age, health status, and coverage amount. Some users have shared their experiences, noting costs from about AUD $350 per year for basic policies to approximately 79,000 Baht per year for comprehensive coverage. Options like AXA and Pacific Cross are frequently recommended, with AXA specifically noted for its policies catering to OA visa holders. It's essential to compare different plans to find the most suitable one.
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Wyn **********
Wyn **********
If you want insurance just to get the visa then Falcon around 8000bht for a 62yr old with a 200,000 deductible.
Tony *********
Tony *********
@Wyn *********
I looked at Falcon plans and premiums and was puzzled ... I don't have it in front of me right now, but it seemed to say something like "max claim per incident 200k baht, with deductible 200k baht". I couldn't understand how there would ever be a payout on a claim, under that scenario, making the annual 3 million cover somewhat problematic. Or maybe I missed something 🙂.
Wyn **********
Wyn **********
@Tony ********
Like I said it gets you the OA visa on the cheap.
Marty *********
Marty *********
I bought Pacific Cross insurance in 2018. I was 62 then and am 68 now. My US insurance was not going to cover me to live full time in Thailand. It does have a few exclusive based on preexisting conditions, like kidney stones, and some based on age, like cataracts. I bought a 10 million baht policy with a 40,000 baht deductible. I have never had a hospital bill over 20,000 baht so I have never made a claim. Consequently I am getting a no claim discount. I am currently paying about 79,000/year. You pay for one year at the beginning of the policy year.

I look at this as being a catastrophic health insurance policy. Most medical care here is excellent and low cost and I pay out of pocket. If something really bad happens healthwise then I have the insurance to help with really big expenses.

In general you can expect the cost of your policy to depend on your age, the amount of coverage and the deductible you choose. Your health status will determine what exclusions you have to plan on paying yourself.

This policy qualified for my insurance requirement for my OA visa and now I use it to qualify for my pensioner LTR visa.
David ************
David ************
OP
@Marty ********
thx Marty.
Neil *********
Neil *********
Hi David dm me I’m an independent financial adviser with 25 years uk experience who lives and works here. I have access to the whole market so will find the most suitable one for you
Rob **********
Rob **********
Try AXA they have a policy designed specifically for OA visas, a few of my friends use them.
David ************
David ************
OP
@Rob *********
I did an online quote, was just AUD$350/year! That is cheap, is that all I need?
Rob **********
Rob **********
@David ***********
yes that is all you need to satisfy the insurance requirements for the OA visa.
Ian ********
Ian ********
Check out different policies for your visa at CheckDi

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J ******************
J ******************
Many variations based on age general health and so on .It is not one price for all
Graham ******
Graham ******
Are you planning on getting a Non-OA for yourself and a Non-O trailing spouse for your wife if your Embassy sells them?
David ************
David ************
OP
@Graham *****
yes, that is one option
Wayne *********
Wayne *********
Axa easy care policy is what I use

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