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What is the cheapest health insurance acceptable for the LTR visa application?

LTR visa health insurance for visa Thai health insurance visa requirements expat insurance in Thailand pensioner visa international health insurance

May 14, 2025

2 days ago

Bipin *******

ORIGINAL POSTER

I have applied for LTR visa under pensioners  category. The folks at Thai Board of Investment are unwilling to accept balance in the money market fund with Fidelity and asking me to provide proof of Thai insurance with minimum coverage of $50K. I am seeking your suggestion for the cheapest health insurance provider acceptabtle for visa purpose. I am looking for the cheapest one as my current insurance coverage will continue indefinitely and I don’t want to pay for expensive coverage when I already have one. 

Also if I get the coverage, can it be from a future date as I don’t plan to move to Thailand until November. Those who have got OA visa from US may know this as they may have obtained health insurance. Thank you all!

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TLDR : Answer Summary

A user is seeking advice on obtaining the cheapest health insurance that meets the requirements for an LTR visa under the pensioner category in Thailand. The Thai Board of Investment requires proof of insurance with a minimum coverage of $50K. Users in the comments suggest options like AXA insurance for affordability and raise questions regarding the timing of insurance acquisition relative to the user's planned relocation in November. Clarifications about insurance requirements for LTR vs OA visas are also discussed.

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James *******

May I ask if BOI rejected a Fidelity Investment account with CASH balance of more than $100k over 12 months of period even though the CASH has never been used to purchase any company shares ? If yes it is very strange because these CASH balance fetch more than 5% interest, better than a bank savings account.

a day ago

Tom *********

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maybe a good option.... As you state you only need this insurance for your visa therefore you can increase the excess to significantly reduce the cost.

a day ago

Bipin *******

ORIGINAL POSTER

@T**

, Thank you!

a day ago

Reply to

Bipin *******

Tabby ***************

The cheapest insurance for OA visa is AXA, can buy directly online, not need to go to an agent.

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a day ago

Bipin *******

ORIGINAL POSTER

@Ta***

, Thank you so much!

a day ago

Reply to

Bipin *******

Bo ******

What is your age? That will help to get a better answer. You may may also ask your question on the LTR Facebook group.

2 days ago

Bipin *******

ORIGINAL POSTER

@Bo *****

, I am 59 turning 60 in July

a day ago

Reply to

Bipin *******

Brandon ************

Why are you applying for a visa now if you plan to move in November? You're going to be wasting many months of the visa. Once you're approved you only have a limited amount of time to obtain the visa before the approval letter expires. And you cannot get the visa without the insurance.

And the non-OA insurance has nothing to do with LTR. The non-OA has a $100,000 minimum and must be from a specific list of Thai insurance carriers. The LTR insurance does not have to be that much and also does not have to be from that list.

2 days ago

Bipin *******

ORIGINAL POSTER

@Brandon ***********

, I will have 60 days after BOI approval to apply for Visa and that will be in the timeframe I plan to move

Insurance requirement for LTR is $50K as I noted in my post. It can be from the specific list you are referring to so I am looking for advice from those who obtained insurance for non-OA visa from US

2 days ago

Brandon ************

@Bipin ******

those companies are all overinflated because they have a captive customer base. Find your own cheapest insurance possible to meet the requirement.

a day ago

Reply to

Brandon ************

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