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What should I do if my insurance was rejected for the Thailand Pass application?

Thailand Pass Insurance Covid Insurance Visa Requirements Immigration Expat Advice

Dec 3, 2021

3 years ago

Nick **********

ORIGINAL POSTER

My insurance got rejected when applying for Thai Pass .My insurance covers $1m but it rejected it saying it must be at least $50,000

It asks for an image upload - i don't have an image to upload, just an email and policy wording PDF - so I screen grabbed the confirmation on the web page. This had (£102 in it as that's how much I paid) - I can only assume the automated system mistook that for the coverage level?!

Any advice on what image to use / how to get through this?

Thanks

(ever feel like an unpaid beta tester LMFAO)?

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TLDR : Answer Summary

A user faced issues with their insurance being rejected for the Thailand Pass application, despite it covering $1 million, due to a requirement of a minimum coverage of $50,000. The post included insights and suggestions from the community, advising the user to obtain a cover letter from their insurance company clarifying covid coverage, take screenshots or convert the policy document to acceptable formats, and recommended purchasing specific insurance policies known to be accepted by Thailand authorities. Ultimately, the user succeeded by acquiring an AXA insurance policy that met the requirements.

Nick **********

ORIGINAL POSTER

AMAZING - got accepted in 2 mins after obtaining and uploading a digital QR code for vaccine and getting the AXA insurance

Thanks A LOT to everyone who helped me - I'll buy any of you a beer if I ever see you.

Good luck....

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John ********

I have a CDC Vaccine card. Is there an inexpensive way to get a QR code for that card?

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Karim ***************

@Nick *********

yea the AXA Thai insurance seems to help you breeze through...

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Michael ********

@Nick *********

cool, safe trip

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Michael ********

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Aung *****

Thai က covid အသစ် ကြောင့်ပိတ်လိုက်တဲ့အထဲ မြန်မာပါသွားပြီလို့ကြားရတယ် ... အဲဒီသတင်းဟုတ်လားလို့သိချင်မိပါတယ်....၃.၁၂.၂၀၂၁ မှာထပ်ထွက်တဲ့သတင်းလို့သိရပါတယ်....ဟုတ်/မဟုတ် သိသူများကျေးဇူးပြုပြီးပြောပေးကြပါ...

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Mitchell *******

Honestly, I found it easier to use one of the main Thai ones. Then again, I went/am only going for just under a month. If you are going for longer than 3 months, this may get expensive however.

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David *******

AXA TRAVEL INSURANCE PEOPLE ONE OF THE ONLY ONES THEY ACCEPT

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Nick **********

ORIGINAL POSTER

Is there a list of what they accept somewhere? Says NOTHING about this on the form LMFAO

I saw this somewhere, was below the required $50k and no higher option

Also got a link to the insurance?

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David *******

@Nick *********

let me know how you go if you need anymore info 🤘

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Nick **********

ORIGINAL POSTER

Thanks man - it accepted after 2 mins when I got a digital QR code - and paid for AXA insurance.

Their 1 page PDF needs converting to a 1 page PNG/JPG - and you upload their 2 page AXA document below it - that worked for me anyway.

I assume it got through an automated system.

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Nick **********

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David *******

@Nick *********

***********************************

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David *******

@Nick *********

also remember to book you PCR test at Phuket airport before you leave you country

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David *******

@Nick *********

direct.axa.co.th

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David *******

@Nick *********

when you book it automatically has got Covid insurance attached to it once you pay it’s quite cheap around $75.00 AUS for 14days and gives you a certificate at the end which covers you for Covid and valid for the Thailand pass

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Nick **********

ORIGINAL POSTER

Know which of the 3 documents they send needs to be conferted to an image and uploade?

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David *******

@Nick *********

Don’t understand what you mean about your 3 documents?

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Nick **********

ORIGINAL POSTER

Cheers just bought AXA (will try to get a refund on my other one)

Hopefully that and the digital vaccine QR code will make my second application go through fast

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David *******

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David *******

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Chris ****

Yes it’s likely scanning for “50,000” so call them and explain.

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Kevin ***********

Automated scanning is for QR codes, and that's limited to certain countries. This is a human error.

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Kevin ***********

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Kevin *******

Only looking for covid insurance 50k you can buy for about 12k for the year ! Bs pang !

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Nick **********

ORIGINAL POSTER

I've done a screen grab of the first 2 pages of the insurance document - page 2 contains coverage amounts - we'll see if their Alpha Test web page accepts them lool

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Jeffrey *******

Look for the “Declarations” Page. This is where policies have the coverage summary.

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Nick **********

ORIGINAL POSTER

@Jeffrey ******

They allow a PDF upload after the PNG/JPG upload - so who knows why it was rejected - or what they even expect in the image upload part?!

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Nick **********

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Ronald *****

My suggestion is to buy a thailand insurance...if I'm not wrong, you buy a foreign country insurance,when you hospitalized in Thailand,you will have to pay the bill first then you submit a claim right ..if you use Thailand insurance,they will settle directly with the hospital.. correct me if I'm wrong

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Adrian ********

So true , just take one of their insurance , thats what their adv. for and what they really want . I took the Axa Thailand , was about 2,500 baht , had the insurance in less than 10mins , the Thailand Pass in less than 6 hours.

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Nick **********

ORIGINAL POSTER

@Adrian *******

I found an AXA Thailand thing but it didn't seem to offer enough coverage?! Either way I've already purchased another one

Where did you see it?

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Adrian ********

@Nick *********

oh btw i found the insurance at thaiembassy.com theres all the infos you need , helped me alot this page

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Adrian ********

@Nick *********

Strange , it did for me , was even offering like Plan 1 or Plan 2 both covering the 50,000 usd . Anyway hope works out for you / us . Good Luck

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Adrian ********

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Marc *******

that depends on the insurance you have. In many cases the insurer will pay to the hospital directly.

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Nick **********

ORIGINAL POSTER

I've already paid for insurance specifically for this trip.

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Ronald *****

@Nick *********

then you have to look for your insurance representative to help you get a one page summary stating it covers how much for Covid..your details all included in the page..😅😅😅

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Ronald *****

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Ron *********

If for some reason they give you what you need but it spans 2 pages, tile the pages in the pdf reader and screenshot it, if I recall you can only upload 1 file

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Nick **********

ORIGINAL POSTER

The policy document with cover amounts is 20 pages

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Nick **********

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Ron *********

I would contact the insurance company and ask them to make a certificate like this, at the bottom they clarify the coverage specific to covid.

Open it and screenshot it

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Nick **********

ORIGINAL POSTER

lol I have to contact my insurance company to make me a document? My confidence that I'll even be able to contact them, or that they'll do it in any sensible time frame is basically zero

I've replied to their email - we'll see if they respond.

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Nick **********

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Garrett ***********

Screenshot the pdf, save as Jpeg

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Nick **********

ORIGINAL POSTER

@Garrett **********

The policy is 20 pages long, how would you screenshot 20 pages and put them into 1 PNG (PNG is better for documents than JPG btw)?

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Garrett ***********

You just need the page that says your name and the amount covered.

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Nick **********

ORIGINAL POSTER

@Garrett **********

They didn't provide any page that says my name and amount covered

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Nick **********

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Carl ********

@Nick *********

apparently jpegs are best format for them to open. Thai immigration still in the dark ages. Doubt they know what a pdf or png is.

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Nick **********

ORIGINAL POSTER

The form below asks for a PDF - and the forms say they accept PNGs lol - all computers have been able to open those for 10-20 years so should be fine.

Source of JPEG info out of interest?

JPEGs are designed for photographic information, they're bad at encoding text - so for readability PNG is a better idea.

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Nick **********

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George *******

Download Adobe Scan. It will let you convert pictures and documents to JPEG files

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Nick **********

ORIGINAL POSTER

Thx. I'd much rather use a web service, I don't like installing software I rarely use it fills your machine with cruft...

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Nick **********

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Michael ********

Try and get a cover letter from insurance company specifying it covers covid etc etc up to a certain amount.

There might be some samples in previous posts

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Nick **********

ORIGINAL POSTER

@Michael *******

lol I have to contact my insurance company to make me a document? My confidence that I'll even be able to contact them, or that they'll do it in any sensible time frame is basically zero

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Nick **********

ORIGINAL POSTER

@Michael *******

Thanks. Then convert it to an IMAGE LMFAO. They don't accept a PDF for the insurance document.

We should be paid to be beta testing this form.

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Michael ********

@Nick *********

yes apparently JPEG only was PDF previously for a COE.

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Nick **********

ORIGINAL POSTER

COE?

This form is obviously untested.

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Michael ********

@Nick *********

Certificate of Entry it was used previously for all entries now only for land border. Thaipass is mark 2 lol

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Nick **********

ORIGINAL POSTER

@Michael *******

lol - in 6 months this will probably work properly - just in time for the rules to change lol

I'm going to have to download a browser plugin to convert a PDF to a PNG just so I can upload it - what chance would a non technical person have to make this work?!?! Basically zero.

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Jon *****

@Nick *********

You can do it on line... For instance ilovepdf.com

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Nick **********

ORIGINAL POSTER

@Jon **********

I looked at several online tools - one did it in the end (multi page PDF into multi page PNG) - though in the end just buying the correct AXA insurance got me through the form instantly

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Edna *******

@Nick *********

get a computer nerd or student to help you, I did. Need to use Jpeg. Don’t feel bad, I didn’t even know what that was. Take a deep breath you’ll get through it. Also lots of advice on YouTube.

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Nick **********

ORIGINAL POSTER

Converting a multi page PDF to a single JPG (actually PNG is much better here - and they do accept those too) is actually quite a faff (I can do it - its just not a normal thing to ask

Do you know if you converted your entire policy document to a single image file?

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Michael ********

@Nick *********

all you need is that cover letter, the Thai insurers know and give it as standard never submitted whole document except for first one which i did at embassy back in July 2020

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Nick **********

ORIGINAL POSTER

@Michael *******

My insurance provided various documents. Nothing called 'cover letter'. 2 are multiple pages, 1 is a single page 'terms of business' that doesn't seem to say how much cover is provided.

Is there an explanation for what they expect that I've missed somewhere?

They rejected my first application for not covering $50k (when it covers $1m)

I submitted a screen grab of the payment confirmation with policy number the first time.

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Michael ********

@Nick *********

yep you need contact them, explain for Thailand they may have had previous experience

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Nick **********

ORIGINAL POSTER

@Michael *******

thx emailed them - though I have little confidence

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Nick **********

ORIGINAL POSTER

The insurance form doesn't accept PDFs -

Am I missing something?

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Nick **********

ORIGINAL POSTER

I am a computer nerd lol - I'm just saying - most people aren't and requiring one is obviously not acceptable lol

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Nick **********

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