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What kind of medical insurance is suitable for someone living in Thailand with a DTV Visa?

DTV Visa Medical Insurance Visa Rules Immigration Expat Health Insurance Thailand Insurance Options

Elan **********

Elan **********

OP

asked Oct 6, 2025

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Hi DTV Group. My wife and I received our DTV visa 4 months ago.  As we all know, the DTV Visa is not a typical tourist visa, as it allows us to stay in the country for up to 180 days before undergoing a visa run, and 90-day check-ins with immigration.  My question is, for those of us who spend six months in Thailand before doing a Visa run, what kind of medical insurance is suitable for someone living in Thailand with a DTV Visa?

Answer summary

A user seeks advice on suitable medical insurance for expats holding a DTV visa in Thailand, which allows a 180-day stay before requiring a visa run. Comments suggest options like Allianz for up to a year of coverage, backpacker insurance offering 12-month coverage, and mentions of using personal insurance from their home countries.

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Phil ******

Phil ******

@Elan *********

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@Tabby **************

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Shaughn ***********

Shaughn ***********

Allianz which I believe is fairly global travel insurance as far as I know will do travel insurance policies up to 1 year.

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Ade ********

Ade ********

I’ve seen backpackers insurance. Covers 12 months.

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Elan **********

Elan **********

OP

Backpackers? Wow.. I never knew that.

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Anonymous ******************

Anonymous ******************

Genki.world

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Elan **********

Elan **********

OP

Awesome. Checking this out. Thanks

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Anonymous ******************

Anonymous ******************

You don't need to do a visa run, a simple border bounce will suffice, and you'll get a new 180-day stamp

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Elan **********

Elan **********

OP

I like the Visa runs.. I'm also an expat who lives in the Philippines and needs to go back occasionally. However, I prefer to call Thailand home.

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Tore *********

Tore *********

@Elan *********

for insurance I personally use AXA global as i travel often.

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Tore *********

Tore *********

@Elan *********

yes definitely you are wrong. Travel insurance only covers accidents and travel related stuff. Travel insurance typically also covers a limited timespan.

If you plan to spend most of the year in Thailand, get a health insurance. At least inpatient coverage to safeguard against financial ruin. Healthcare isn’t cheap in Thailand for foreigners.. Doesn’t have to be axa, that was just an example of what I use. Local thai ones would be cheaper obviously

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Elan **********

Elan **********

OP

Well, if AXA is global, and AXA Thailand is not, then the Global coverage doesn't work for me. I do have coverage in the US, but the same US coverage does not extend to Thailand. If I do a visa run, or a border bounce, as defined here in this group 🤨, an inexpensive travel insurance policy would be sufficient. Or am I wrong about this?

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Tore *********

Tore *********

@Elan *********

all countries? No I obviously pay 1 policy, but via the company AXA global, not AXA Thailand.

Global coverage is slightly more than Thailand only. But I don’t spend all my time in Thailand.

My policy is inpatient only. Global coverage (except US)

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Elan **********

Elan **********

OP

, so you use AXA for all countries? I find those expensive. As though I am paying for coverage for a country I will never go to. I may be wrong because I don't know enough about the topic. I am more interested in "inpatient" coverage. I heard of AXA and heard they are pretty good.

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Tore *********

Tore *********

@Elan *********

you are misunderstanding. Visa run means going to another country to get a NEW visa. You are talking about border bounce. No need for a visa run as DTV is valid 5 years….

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Elan **********

Elan **********

OP

, Ok. We can call it border bounce. 😊

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Elías ********

Elías ********

I use own from my home country

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Elan **********

Elan **********

OP

Hi Elias. I found the link below for Thailand, geared for DTV users. I am from the US, and going home every three months is not an option. I would appreciate someone's help in solving this. My knowledge of insurance is virtually nonexistent. Thank you for your feedback.

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Elías ********

Elías ********

@Elan *********

I'll check about it. The issue, I personally see, it's about reimbursements of payments? Supposedly, DTVers aren't allowed to have Thai bank accounts, fine then. But I like my home country insurance because if something happened, I get reimbursed very quickly (if not super high amounts, the money is wired within 24 hours). I also wonder how would we get money from a Thai insurance company even without having a local bank account.

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Elías ********

Elías ********

It seems they won't cover more than 3 months IF continuous, but every time you enter again their (the insurance company) clock resets. As I go home at least a few days every two to three months, and I haven't had problems using that insurance over and over.

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