What is the best Thai insurance company for a Retirement O-A visa?

Feb 1, 2023
2 years ago
Ralphy *****
ORIGINAL POSTER
I am applying for Retirement O - A visa from Australia so which best Thai insurance company please
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TLDR : Answer Summary
The original question seeks recommendations for Thai insurance companies suitable for a Retirement O-A visa application from Australia. Several comments provide alternative insights, suggesting that the O-A visa might not be the only option for retirees, and that some individuals prefer using their home country’s medical insurance instead. Others mentioned contacting an insurance broker named Arawan for assistance.
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Graeme **********
Falcon
Ralphy *****
ORIGINAL POSTER
I have compared O and OA and I reckon O A is better ie 90 days for O, 1 year for O A. Probably because I get a good pension
Bobby ********
Contact Arawan. Insurance broker in Thailand
@https://www.facebook.co************************
Robert ************
@Ralphy ****
Like I said, I don't recommend nor use it. And, I do not believe in "Travel Insurance" either. I have Medical Insurance from my home country (USA) that includes $USD 50K for Emergency Treatment; and if I required more, I would return to USA were that necessary. In addition, for ordinary Medical Care, Thailand is relatively inexpensive compared to Western Countries.
Robert ************
@Ralphy ****
Then you get treated in Thailand, where Medical Care is 1st Class, and cost is a fraction of USA.
Ralphy *****
ORIGINAL POSTER
What happens if you not fit for travel back to USA
Ralphy *****
ORIGINAL POSTER
@Robert ***********
I am using my country insurance. UNLIMITED funds for treatment in hospital. Any company have this
Ralphy *****
ORIGINAL POSTER
No one has answered my question of which insurance company is recommended and it's better to have insurance anyway isn't it
Robert ************
@Ralphy ****
STEP-BY-STEP DO-IT-YOURSELF INSTRUCTIONS -- APPLYING FOR RETIREMENT STAY AFTER ARRIVAL IN THAILAND (Must be over age 50): i. You may arrive either Visa Exempt (currently 45-days), or on a 60-day Tourist Visa. ii. Then, immediately after your arrival, you must promptly open a Thai Bank Account, and transfer 800,000 Baht into Thai Bank Account (if married, some Immig. Offices like CM, accept Joint Account with 1.6 Mil. Baht. Also Note, that either Passbook Savings or Fixed Deposit is acceptable, but not Investment Account. Finally note, that some Immig. Offices, but not all - e.g. CM, require proof of foreign source of funds. WISE is an inexpensive, easy & reliable service to transfer funds). iii. Then, you apply for a 90-day Non-O Visa at local Thai Immigration Office. If on Visa Exempt, you use Form TM87, if on Tourist Visa TM86. You are required to apply with minimum 15-21 days remaining on permitted Stay, depending on Office (Chiang Mai, requires 21 days). Requirements: TM87 or TM86 (Note: Fear not, only 1-page Form simple to fill out in English with only basic info., name, address, passport info., arrival info, and stated purpose: "For Retirement"), Must be Over Age 50, 2000 Baht, Copy of all relevant pages of Passport (i.e. Facepage, and Entry Stamp); copy of TM30 (that is the required arrival form that is either completed by your Hotel or Condo, or you do yourself at Immig. Office w/i 24 hrs of arrival); copy of proof of residency (Rental Agreement, or Hotel Reservation -- some offices may not allow if only staying at a HOtel); and most importantly proof of the money in Bank (Copy of Bank Book, and a certified Letter from the Bank usually costing 100 Baht). Above is all simple and straightforward, so no need for spending money on a Visa Service. iv. If all docs. in order, Immig. Office will put a Sticker in your Passport that you are "under consideration", and a date to return to pick up your Visa Stamp (prior to your Stay expiration). v. Next, when you have 30 days remaining on the Non-O (and your Bank Money has "seeded" 60 days -- i.e. stayed on deposit), you go back to Immig. Office to apply for the 1-yr Retirement Extension. Requirements.: TM7 (Req. for Extension of Stay); 1900 Baht, and all other same docs. as above (newly updated of course). And, you will receive 1-yr Extension of Stay -- usually same day, if you arrive in morning. Note: For both processes above, your Bank Passbook Balance must be updated same date as application, and the Bank Letter should be no more than 7 days old -- easiest just to do both same day just before going to Immig. Office). vi. Finally, you should/must get a Re-Entry Stamp -- easiest/best to just do immediately after you get your 1-yr. Extension stamp. It can be single Re-Entry for 1000 Baht, or 3800 Baht for unlimited multiple Re-Entry. The Re-Entry Stamp allows you to leave and return to Thailand, without invalidating your 1-yr Extension. If you fail to do that, then your Extension of Stay is nullified, and you must start the process again. (IMPORTANT: If you want or need to leave Thailand while on the initial 90-Day Non-O, same thing -- must get Re-Entry Stamp.). Hope that is all clear.
Benoit *******
@Robert ***********
great explanation thanks. Can I apply at the same time for a non-IMM O visa for dependent (my wife is not Thai)

Thank you
Robert ************
@Benoit ******
If you are not working and applying for Non-O based based on Retirement, then I believe the answer is no. Wife would have to wait until you are actually on the 1-yr Extension, for Dependent app. inside Thailand.
@Brandon ***********
: Is this correct?
Brandon ************
@Robert ***********
can't get the non-O trailing spouse visa in Thailand. The wife has to go to a consulate outside Thailand to get it after the spouse is on the 1 year extension.
Robert ************
@Brandon ***********
Yup, that's what I said. Thanks for confirming.
Benoit *******
@Robert ***********
thank you for this info
Robert ************
@Todd ********
Since all you seem capable of is Trolling and Insults, you are not worthy of further communication, and will be Blocked. Bye Bye.
Todd *********
@Robert ***********
good riddance Bob. Thx for the laughs. Rare to meet someone so utterly incapable of understanding basic concepts.
Robert ************
@Ralphy ****
In answer to your question, transferring 65K Baht/month to Thailand from Pension is acceptable alternative to the 800K Baht Bank Deposit. Problem is, that for 1st Retirement Extension Application they also require Letter/Certificate from Embassy, which is no longer available for USA, UK, and AUS. So, if you are from one of those countries, that is not an option 1st time, and you must then provide proof of 12 monthly Deposits for prior year.
Leon ****
@Robert ***********
by any chance, do you know which immi office doesn’t require proof of foreign source of fund? Thank you 🙏
Robert ************
@Leon ***
Yes, Chiang Mai for one.
Leon ****
@Robert ***********
didn’t you write CM is required proof of foreign source of fund.
Robert ************
@Leon ***
NO, just the opposite! CM definitely does NOT require Proof of Foreign Source of Funds for either the initial Non-O nor the 1yr Retirement Extension. You misunderstood my Post you quoted, the Parenthetical "e.g. CM" was intended to apply to an Office that does NOT require proof of foreign source of funds. If that was not clear to you, my apologies.
Leon ****
English is not my first language. Very appreciate for your reply. Thank you very much 🙏
Todd *********
@Leon ***
I don’t think it’s his either
Ralphy *****
ORIGINAL POSTER
@Robert ***********
So have to have
*****
0 baht in Thai account ? I get high pension per month
Robert ************
@Ralphy ****
Sorry, cannot be any clearer. You are the first person I've encountered who was "confused" by my Instructions. If you cannot follow, then sadly you may have to spend several Thousand Baht for assistance of an Agent.
Robert ************
@Ralphy ****
Agent is waste of money. What
@Todd ********
continues to fail to realize, is that not everyone is as Wealthy as he is. LTR and O/X Visa have substantial financial requirements, and can take many months for approval. In addition, LTR Visa application fee is 50,000 Baht (compared to 1900 Baht for ordinary 1yr Retirement Extension) and again requires mandatory Health Insurance (or USD $100,000 tied up in Bank Account -- again compared to Non-O/Retirement requirement of only 800K Baht= USD$24-25K).
Todd *********
@Robert ***********
I clearly realize it Bobby. Which is why I highlight the use of agents as an excellent alternative to the time, money and life enthusiasm sapping maneuvres your lengthy, time wasting post provide. The LTR approval is under 20 working days. Your 'months' is simply you lying again. Weird as hell. It's clearly on their own website. And you would have to be an absolute idiot at math to compare the 50k baht for 10 year multi entry visa to a one year zero-entry visa. But we have already established your math incompetence with clarity.
Robert ************
@Todd ********
TODDY, we've had this silly debate already. Stop being a TROLL. An LTR Visa only works for the Wealth, and incurs a 50,000 Baht upfront App. Fee, plus either Mandatory Health Insurance -or- USD$100K "tied up" in a Bank (albeit in your home country versus Thailand), compared to only 800K Baht (USD$24K) in Thai Bank and/or 65K/mo. money transfers. BTW -- According to the many Posts I have read from folks who have or are applying for LTR Visa, it is a big Pain in the Arse, with multiple repeated requests for documentation, and months for approval. Indeed, a personal friend of mine, actually had to go to fly to BKK personally (from CM, and stay in Hotel for several days), and hire an expensive Agent, to get it done. So take your "advice' and Stuff it with the Sun Don't Shine. P.S. And, insofar as "Lying", you were already proven to be a Liar in our last lengthy debate, when you ludicrously claimed to be earning "11% p.a." on your mandatory $100K Bank Account required (in lieu of mandatory Health Insurance) for your LTR Visa.
Todd *********
@Robert ***********
people who are challenged to grasp the system (like yourself) have difficulty in understanding what is written in front of them, are still allowed unlimited FB posts, so there is plenty of garbage to read. As someone who understood what was written, my LTR was approved in 16 days. And stamped in my passport 10 days later. I 'tied up' exactly zero dollars in my own country to meet the $100k requirement. And as you have read, i strongly advocate against tying up money at low interest rates. It makes you a financial fool. Don't do it. Not for 800k (in thailand) or for $100k USD in your homeland. Just be smarter. For some odd reason, your education seems to have handicapped your intellectual abilities. I'm just pointing out the obvious so others can read and understand the foolishness you post without comprehending the situation of others. If your 'personal friend' (considering your personality this seems highly unlikely) had to hire an agent to get an LTR he is utterly incompetent. There is nothing an agent can bring to the table for LTR unless your income situation is difficult to prove. If you meet the requirements it’s a 15 minute application and upload your supporting docs. Wait for approval within 20 business days.
Robert ************
@Todd ********
In another Posted Debate we had, you said you did not have to pay for the mandatory Health Insurance required for LTR Visa, because you used the alternative method of $100K in home Bank for minimum of 12 months prior (I call that "tied up", same as my 800K). You also ludicrously claimed you earned "11% p.a." on that money. Which is it? Because you only have those 2 options according the stated Rules of the program. As for your false claim of the ease with which you can obtain an LTR, see the Post today by another member in this Group, corroborating the Truth of what I say (versus your unsubstantiated claims).
Todd *********
@Robert ***********
i'm utterly embarrassed for you. How many people in their 50's don't have $100k somewhere in their accounts? Do you seriously think that any LTR applicants don't have $100k invested? Are you serious? Or just immensely ignorant? How is a supposedly 'harvard educated' person so utterly ignorant of the world around them. Mind boggling. Just shut up Bobby. I have explained it to you in great detail.
Robert ************
@Todd ********
100K "somewhere in their accounts"?? NOT what the Rules require -- must be in A BANK ACCOUNT for at least 12 mos. prior. So, TODDY, let me explain it to you again: If my "tying up" a mere 800K Baht (i.e. about USD$24.K) at 1% interest is so financially "ignorant" as you have said, then what should we say about your tying up USD$100K in A BANK ACCOUNT (even if earning a little more currently than Thai -- i.e. avg. Aussie Bank Account paying 4%), when as you previously boasted you can earn at least 11% p.a. ? Even if I could consistently earn same on my investments (which I don't claim), my lost opportunity cost would be $24K X 10% lost interest= $2,400. Yours, on the other hand, would be $100K X 7% lost interest= $7,000. Assuming you can understand simple math -- a pretty big assumption, then it is pretty obvious who is more "ignorant" and the bigger Embarrassment! And, of course, that doesn't even account for your having "tied up" another 50,000 Baht in up-front LTR Fee. 😂
Todd *********
@Robert ***********
why are you repeatedly capitalizing ‘BANK ACCOUNT’ like the pedantic troll you are? NOWHERE in the LTR literature is that term used. I can see why you failed hervard.
Robert ************
@Todd ********
Wrong-O Toddy Boy. 100K must be held in Thai or Foreign BANK Account.
******************************************************************************
Todd *********
@Robert ***********
😂😂😂exactly why are you (with no ability to qualify for an LTR) telling the guy with what the rules state? As I said - shut up. Listen and learn. You clearly fail to grasp what they accept. Not surprising at all. Now go back and read. With an intelligent mind. Or get your girlfriend to translate it for you. My gawd. She must be in absolute agony. What an absolute imbecile.
Todd *********
Bobby, here is my main investment account returns. As you struggle to understand, that’s 11.5% AVERAGE over 14 years. Do you understand Bobby? You are very, very bad at basic finance. Do not give any advice here. You simply have no clue. And if you can’t find 5- 6% on a term investment right this second, you are even worse off than I thought. And you are really, really bad. You are getting absolutely trashed here. Just walk away. You have no idea what you are doing.
Robert ************
@Todd ********
Ha Ha. That self-made Chart is what you call Proof of your investment genius.
Todd *********
@Robert ***********
Jesus. Ur a dim light. 😂 it’s simply what millions of portfolios will reflect over last 15 years. I buy and hold large cap, multinationals with increasing dividends. This is Hardly investment genius. Just competence. Which is clearly not familiar to you.
Robert ************
Ha Ha. This is what you call Proof.
Ralphy *****
ORIGINAL POSTER
@Robert ***********
which Thai Insurance agency is best to satisfy visa OA
Robert ************
@Ralphy ****
Per above I don't recommend nor use O-A, so I wouldn't know.
Ralphy *****
ORIGINAL POSTER
@Robert ***********
I am confused with your previous long reply. What are requirements for this recommended visa
Todd *********
@Ralphy ****
much better financially to ignore Robert anyway. Keep your 800k baht well invested at home
Todd *********
If you don’t love lineups, headaches and hassle here is step by step for agent assisted visa.

1. Contact Thai Visa Centre.
@https://m.facebook.********************
2. Send them your payment and passport for stamp.

3. Receive stamped passport. And enjoy cocktails.
Todd *********
@Ralphy ****
better off with O/X or LTR visa then.

*********************
Kev **********
@Robert ***********
thanks for that clear explanation..have copies..great cheers
Robert ************
@Kev *********
Welcome; my pleasure.
Robert ************
Why "O-A", versus Non-O and subsequent annual Retirement Extensions? No Insurance requirement. If you would like to consider this alternative option, I can Post easy Instructions for you. Just ask.
Ralphy *****
ORIGINAL POSTER
@Robert ***********
I am getting O visa from Australia. I understand it is initial 90 days so what is required if I want to extend a 90 days
Robert ************
@Ralphy ****
If you are getting single-entry, there is no 90-day extension. The Extension, if based on Retirement criteria I've outlined, would be for 1-yr. Follow Instructions from step "v." onward.
Robert ************
@Ralphy ****
Per your request, see below.
Ralphy *****
ORIGINAL POSTER
@Robert ***********
yes please. This is initial retirement visa I am applying. O states for family options isn't it. Also what about Non Immigrant O-X – 10 Year Retirement Visa. Actually yes, I have just read up about O, so a likely alternative. More info please.
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