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What type of Thai visa should I apply for as a retired expat with health issues?

Aug 18, 2025
6 days ago
Munich *****
ORIGINAL POSTER
I need some 'what kind of visa' advice from you for my current situation. Would be great to understand what is feasible and/or possible for myself and what you guys recommend:

- I live in Germany

- 50years old

- ready to step down from a well paid job and live from my savings for rest of my life

- own a Condo since 12years in Jomtien Beach

- have a Thai bank account

- travelled past 25yrs minimum 80x to Thailand all on 30/60 days stamps. Meaning 3-6times per year in average

- 4 stamps in my passport for 2025 so far btw...

- never extended or have any legal issues

- can provide any home financial requirements (leave my Thai bank account with necessary savings for spendings only)

- have spent money (ETF saving plan) which pays me 5.5k Euro/month for next 8years

- have a health precondition which excludes it probably from most insurances

- I spend 6months abroad from Germany with heavy travelling in and outside Thailand

What I am looking for is a visa which relieves me from checking or applying any trips in/out from Thailand most of the time. Meaning I love to travel and go to Lao, Vietnam, Cambodia etc. many times as well. So multiple entries etc. would be required.

Now I see there is DTV, LTR and other options but can't really figure out what makes sense while I don't really see a point for the Thailand privileged cards.

Health insurance I do currently for long termed travel insurance which only covers in serious situations and is better than nothing.

So for it's more health issues rather than financial aspects...
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TLDR : Answer Summary
The user is seeking advice on the most suitable visa options for long-term residency in Thailand, especially given his financial situation, health concerns, and desire to travel frequently across neighboring countries. Key suggestions include applying for a Non-O visa based on retirement before departing Germany, which allows for an easier transition to a one-year extension with a re-entry permit for travel flexibility. Other options like the LTR and DTV visas were mentioned, but there's consensus that the Non-O visa is more straightforward for someone in the user's position.
DTV VISA RESOURCES / SERVICES
Tim ******
@Glen *******
this might interest you
Glen ********
Peer *********
Been like you travelled quite a lot to Thailand as an ex. offshore worker by visa exempts with or without 30-days extensions. But also with have Non O-A Multiple Entry 1-year Visa (before the insurance requirements to have to be insured with a Thai insurance company came to force).

As you are 50 years old a Non O 90-day e-visa as retired could be a good start as travel to Thailand with. As step two do an 1-Year Extension of stay based on retirement and buy a multi re-entry permit which will give you the option to travel out/in of Thailand as you wish.

I have a health condition to which might be difficult to get a health insurance for in Thailand to cover for. I and my Thai wife spend like 50-50 in Thailand and Sweden and we are officially registered as living in Sweden. I do purchase ”extended travel insurance” via the insurance company I have my house insured in Sweden. The extended travel insurance takes over after the the common travel insurance of 45 days has past in case with the insurance company I have. The insurance company like most other Scandinavian insurance companies are using SOS International in Denmark as the contact center. I have checked with SOS that my condition is not considered as will hinder me to be free to travel as I like and without limitations for health care in for example Thailand. SOS prefer to use Bangkok Hospitals when possible. The extended travel insurance has had to be paid and registered prior to I travel from Sweden. But if decide to stay in for example Thailand longer than I originally planned it is possible to extend it as long as it’s done and paid for before it has expired.
Munich *****
ORIGINAL POSTER
@Peer ********
exactly same I do in case of insurance... I can put my mandatory German public health insurance on hold for 70€/month when longer absence from EU (as I am 'covered' in EU) than 3months continuously so I can spend that big amount of money (500€/month) on my own decisions and insurance coverage for SEA.
Ally ************
Get the 90-day non-o visa based on retirement in your home country.. ie. before you travel.. and then extend it in country.. then bolt on a multiple entry 're-entry' permit to solve your travel needs.. this approach will also avoid any difficulties at immigration that could arise if you try to enter on another visa exempt stamp.. given the many instances of immigration tightening up on this being floated in these forums!
Munich *****
ORIGINAL POSTER
@Ally ***********
thanks for advice, I was also wondering why immigration at BKK didn't mention something but that might be due I was leaving the country long time before visa exempts ever expired
Holger **************
Should BE easy...bank account already .

Just arrive with 90 day Non O

Put
*****
0 in your Bank Account and make one Year Extension at Immigration

No need for an Visa Agency
Wannikea *********
As others have said get the Non O based on being over 50, but get it before you come. Apply online with proof of 800K in your home bank, then transfer that 800K to your Thai bank. Choose your entry/extension date wisely as you will need to be in Thailand every year at that same timeframe to renew the extension.
Marianne ********
The Non-O is made for folks like you.

Get the Non-O before you leave.

Throw 800k baht into your Thai bank account within 30 days of arrival. Don't touch it!

When there is 30 days days or so left on your initial stay, go to Immigration and ask for a list of the documents you will need to provide for your extension of stay.

They will also tell you how many days in advance you can apply for your extension.

Asking about the documents and timeframe a month in advance gives you plenty of time to prepare.

Rock up with your documents in the timeframe given to you by Immigration, and apply for your one year extension.

Not sure if you need to apply for the multi-entry re-entry permit separately, but this is something you could ask on your initial visit when you ask about documents required.

When your extension of stay is granted, and you have your re-entry permit... Go enjoy the Thailand and the world as you wish.

However, you can't touch the 800k baht for 3 months after the extension of stay was approved. and the amount can NEVER dip below 400k during the year. And it will need to be put back up to 800k 2 months before you apply for your next extension of stay.
Phil ******
Non o with multiple re-entry visa. Apply in Thailand
Munich *****
ORIGINAL POSTER
@Phil *****
2nd one for this! Cheers!
Phil ******
@Munich ****
yeh best apply here not in Germany or you'll need long term insurance
Jesper *******
Straight forward....come to thailand visa exempt and apply for a 90days nonO retirement with 800k already in thai bank den after extent for 1 yr and also the multiple re entry permit you can move in and out of thailand freely.....btw u said u have been stamp in 4times already in 2025....have u been pulled aside? If YES it's better to apply your 90days nonO at your home country before coming
Kim **********
If you qualify for ltr that is your best bet.
Munich *****
ORIGINAL POSTER
@Kim *********
health insurance required
Kim **********
@Munich ****
or cash in the bank
Maitin *******
Absolutely based on what you have posted, non O
Maitin *******
@Kim *********
$100,000 usd
Lynnette *******
Avoid having to leave country, just get non O based on retirement before you arrive. Deposit the 800,000 tb in advance. . Then do the 12 month extension for 1900tb. Plus buy a re-entry permit so you can go back and forth on trips.
Christopher ***********
@Lynnette ******
Some conflict in Tom’s requirements. He wishes to avoid border bounces most of the time but goes to adjacent countries many times. Would agree that if his health condition is unpredictable in nature, a DTV isn’t suitable. As you suggest, a non-0 retirement visa only involves one annual trip to immigration with a 30 day window for extensions.
Thomas *******
@Christopher **********
you have 90 day check-ins so that's at least 2 visits and then check-in online after the first one. If he gets a multi-entry permit for the non-o he can travel every 85 days and never have to do a 90 check-in.
Christopher ***********
@Thomas ******
Good thinking Thomas! It’s the nature of Tom’s health condition that concerned me. Would he always be able to travel when necessary to avoid complications and keep things simple? It has been debated whether the first 90 day report after entry must be done physically in person or whether in person also includes via post. Visa agents offer 90 day reporting service. Alternatively, Immigration Offices have been known to keep a book where, for a fee, they will stamp you in every 90 days as if you were physically present.
Munich *****
ORIGINAL POSTER
@Christopher **********
yes I am...I am still alive and need medicine...that's it... Diabetes Type 1...
Thomas *******
@Christopher **********
all good points. He can do his first 90 day check-in in person and online after that. Just one extra trip to immigration for that is worth what ever an agent would charge. Also, if that immigration agent who kept a book to help people out ever got hemmed up, what would it do to his extension if he was caught up in their mess? As far as his health goes if it does go south reporting online is much less stressful than traveling. I go to Nong Khai immigration and it's a completely different world up here. Hope you're having a great night.
Ian ********
Bronze Elite visa for a 5 year no-brainer.

Extended yearly and 1 extension allowed every time so basically a 90 day reporting and leave country every 2 years
Max *************
@Ian *******
That's the worst advice ever to a 50 year old guy with money, a Thai bank account and a condo. He does certainly not need a crappy Bronze Elite Visa.
Ian ********
@Max ************
he hasn't said how many days this year and when was last exit.

He may have difficulties getting in on an exempt, hence his post seeking other considered options.

From outside he could go tourist then try to change once here or DTV / LTR as he mentioned.

I suggested a cheaper option than an LTR which he thinks he is precluded from anyways.

I'm shocked but not surprised you bagged it however the poster was after constructive advice and without anything to offer I consider your point mute.

As you were, All-star.
Pertti *************
Just load thai account 800k and come here visa exemption and apply non o here and no need health insurance and you can get what insurance you want.
Graham ******
@Pertti ************
Easier to get the Non-O before arriving to limit the Immigration visits
Munich *****
ORIGINAL POSTER
@Graham *****
so what now please? Before or after? Chicken or Egg?
Graham ******
@Munich ****
as I said, before unless you have a thing for visiting Immigration
Munich *****
ORIGINAL POSTER
@Pertti ************
seems reasonable... Thanks!
Ian ********
@Munich ****
Hope you can get in on an exempt based on history and the bronze doesn't have most of the privileges crap we don't require.
Pertti *************
Non o 👍
Pete *******
A straight forward Non-O based on being over 50 then a one year extension of stay with a reentry permit. Nice and simple.
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