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What level of health insurance do I need for marrying my Thai fiancée and living in Thailand?

Visa Requirements Marriage Visa Health Insurance Non-O Visa Thailand Immigration Expat Advice

Jan 11, 2026

4 months ago

Alistair *************

ORIGINAL POSTER

Apologies if this is not the right forum to ask this question although it is visa related.

I am marrying my Thai fiancée in February. I have been in Ubon Ratchatani since the end of October. I had a 60 day tourist visa and did a visa run to Kuala Lumpur before that expired and was given a new 60 day tourist visa which is sufficient time for me to get married, particularly if I pay my 1,900 THB for a 30 day extension.

My question relates to private health insurance:

I have heard that the level of cover that I am required to have to satisfy Thai Immigration visa requirements is not enough and I should budget for a higher level of cover. I am currently covered by my travel insurance.

I would very much appreciate any advice from members of this group who live in Thailand and have experience of the private health system here. 

What level of cover should I get?

Cheers.

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TLDR : Answer Summary

The user is seeking advice regarding the necessity of private health insurance when applying for a marriage visa in Thailand. They mention that they are currently on a tourist visa and plan to marry their Thai fiancée. Several community members respond, clarifying that health insurance is not a requirement for the marriage visa (Non-O visa), but advise caution regarding travel insurance and to check local immigration office regulations.

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Chris *********************

Not required for marriage

4 months ago

Steve *******

Obviously it's a good idea to have some form of health insurance but it's not a mandatory requirement for a Non Imm O visa based on marriage

4 months ago

John **********

While you don't need any health insurance you do need to check the marriage visa requirements of your local office. Some can't issue Non-O visas at all and some others won't issue a Non-O based on marriage until you have been married for 2 months

4 months ago

Michael ********

Be careful with the fine print on travel insurance sometimds doesnt cover for extended time.

4 months ago

Alistair *************

ORIGINAL POSTER

@Michael *******

good point. Mine is with Virgin and I made sure it covered my long enough for me to get private health insurance once I decided to stay.

4 months ago

Michael ********

@Alistair ************

yes seen someone get burned bought a yearz travel insurance but only covered 45 day trips at a time

4 months ago

Reply to

Michael ********

Daniel ******

Not well informed, ask your embassy!

4 months ago

Alistair *************

ORIGINAL POSTER

@Daniel *****

we’ll excuse me for having the audacity to ask a question in a forum which I thought had been set-up for people like me who don’t know the ins and out to ask questions 🙄

4 months ago

Reply to

Alistair *************

Graham ******

Why did you think you need mandatory health insurance, what was the source of this information?

4 months ago

Alistair *************

ORIGINAL POSTER

@Graham *****

yes I was.

4 months ago

Alistair *************

ORIGINAL POSTER

@Graham *****

I was originally applying for a retirement visa until I met my Thai fiancée and we decided to get married.

She was previously married to a Danish guy and thought he had to get private health insurance as part of the application process.

4 months ago

Graham ******

@Alistair ************

There are more than one kind of retirement visa and it seems you were looking at the 12 month Non-OA not the 90 day Non-O

4 months ago

Reply to

Graham ******

Pete *******

There is no health insurance requirement for a marriage visa.

4 months ago

Alistair *************

ORIGINAL POSTER