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Which health insurance companies do Non OA retirement visa holders in Thailand recommend?
Non OA visaHealth insurance ThailandThai retirement visaAXA Health InsurancePacific Cross Insuranceinsurance recommendationsLong-stay visa insurance
May 2, 2025
a year ago
Michelle *********
ORIGINAL POSTERAny Non OA retirement visa holders here that can recommend which of the listed approved Health Insurance companies i should look at?
I know it's a cash grab no matter what.
I know it's a cash grab no matter what.
TLDR : Answer Summary
The discussion focuses on recommendations for health insurance companies suitable for Non OA retirement visa holders in Thailand. Several users advocate for AXA due to competitive rates and ease of application for visas. Other suggested providers include Pacific Cross and LMG. Users share personal experiences and advice on managing visa requirements related to health insurance and maintaining consistent coverage.
NON-O RETIREMENT VISA RESOURCES / SERVICES
- Go to the Retirement Visa Section for information on requirements, including age restrictions, financial requirements, and necessary documentation.
- For immediate assistance, contact Thai Visa Centre directly via LINE at @ThaiVisaCentre or Email them.
- Explore recent discussions by using the Non-O Retirement Visa tag in the search box at the top of the page.
- Join the Thai Visa Advice Facebook Group to ask your questions, and get advice from others.
Pelle Eriksson★★★★★
Absolutely Bangkok's best service I highly...recently on Facebook
Luca G.★★★★★
I used this agency for my DTV Visa...recently on Google
Trusted Retirement Visa Agent
OVER 100,000 EXPATS SERVED
#1 VISA AGENT IN THAILAND
Frank ********
*****************************************************
Chanya ********************
Contact me if you would like to use AXA, visa guarantee 🙏
David **********
Why non oa visa
Michelle *********
ORIGINAL POSTER@David *********
already answered that (scroll up) 😉Reply to
Michelle *********
Reply
Jody ********
Michelle Howlett...my 1st suggestion is to contact
@Robert ********
. He is my go-to-guru.Brian *********
I used LMG. I did the non OA for basically the same reasons. Good luck. 👌
Yorick ******
AA Insurance Brokers can assist you in finding the cheapest option, reach to us at
********************************
and of the insurance specialists will get back to you!Marty *********
I had an OA visa (2017-2022) and I have insurance from Pacific Cross. I bought the policy in 2018 when I was 62 years old. I have a 40,000 baht deductible to keep the price down and because routine care in Thailand is so affordable I would prefer to pay out of pocket. I have never made a claim so I can’t report on that but I am getting a substantial no claim discount. As a result the price of the policy not changed much in 8 years. I currently have a 10 year pensioner LTR visa and I am using the Pacific Cross policy to qualify for the LTR.
If you intend to keep your money out of Thai banks you are going to have to do a border run at the end of the first year. You will have to return to your home country after 2 years to apply for a new OA visa. If you travel to your home country frequently then that will be manageable but otherwise it sounds like a lot of trouble and expense.
If you intend to keep your money out of Thai banks you are going to have to do a border run at the end of the first year. You will have to return to your home country after 2 years to apply for a new OA visa. If you travel to your home country frequently then that will be manageable but otherwise it sounds like a lot of trouble and expense.
Charles **********
Use AXA
Keith *******
On the website where you apply there is a list of recommended companies, these are the easiest options as they know you need a cover letter and do it automatically, I went with Axa from this list.
Alex *******
AXA , works,
(I don’t think you can apply Non OA visa inside Thailand)
Just saying 😊
(I don’t think you can apply Non OA visa inside Thailand)
Just saying 😊
Alex *******
We are using AXA ,
only small issues the detectible
Min.100.-300Thousand Thb.
We had a few claims for medical issues and never reached the deductible, so always have to pay from our own pocket ,
My opinion ,if you can find other insurance Company what Thailand excepting for OA, with lower Deductible amount try it and calculate how much you will pay for your age /year may be is works better for you ,
(Unfortunately We had medical treatment few times
Ones 28Thousand Thb,other times 67Thousand Thb, hospital bill, can’t claim because didn’t reached my detectible limits,
Of course will works if you need major surgery ,
Good Luck 
only small issues the detectible
Min.100.-300Thousand Thb.
We had a few claims for medical issues and never reached the deductible, so always have to pay from our own pocket ,
My opinion ,if you can find other insurance Company what Thailand excepting for OA, with lower Deductible amount try it and calculate how much you will pay for your age /year may be is works better for you ,
(Unfortunately We had medical treatment few times
Ones 28Thousand Thb,other times 67Thousand Thb, hospital bill, can’t claim because didn’t reached my detectible limits,
Of course will works if you need major surgery ,
Good Luck 
Michelle *********
ORIGINAL POSTER@Alex ******
still in our home country! 😊Reply to
Michelle *********
Reply
Paul *********
Get OX, same as OA BUT 5yr
Look at AXA they have a special policy for OA/OX. Super cheap
Look at AXA they have a special policy for OA/OX. Super cheap
Michelle *********
ORIGINAL POSTER@Paul ********
i believe OX is a 10 yr elite. Our of our budget.Neil ********
@Michelle ********
both 5 and 10Wayne *********
AXA Easy care policy about
*****
bahtWayne *********
@Paul ********
does also go up with age and depends on what Deductible you select.Paul *********
@Wayne ********
there are cheaper policies, circa 300 audReply to
Paul *********
Reply
Wayne *********
@Michelle ********
OX is 5 plus 5 it's not the elite only cost me me 600audMichelle *********
ORIGINAL POSTER@Wayne ********
i think it requires a higher bank balance?Wayne *********
@Michelle ********
Can use your super account. But yes not sure if it's increased since I got my OXReply to
Wayne *********
Reply
Lynnette *******
Is there a reason you're using OA? I'm just curious ( nosey 😉)
Michelle *********
ORIGINAL POSTER@Lynnette ******
yes, we do not wish to hold large sums of money in a thai account. If we apply from Canada, my husband gets the Non O-A visa and I get Non O trailing spouse, which I will extend once we are in Thailand to match his visa. He needs the health insurance from one of the "approved" vendors.Ernesto ********
@Lynnette ******
easiest to get while in your home countryErnesto ********
Listen to who ? You ? You are wrong. Bye.
Tony **********
@Ernesto *******
not true at all. Non-o is much easier and has no insurance requirement not criminal background check requirement.Ernesto ********
@Tony *********
not true at all. Non-oa doesn’t need Thai bank account and easier to do from your own country.Bob **********
@Ernesto *******
you can get a non-o in your country without a Thai bank account,Thai worthless insurance,police check ,medical I’ve had both the non-o is the way to goErnesto ********
@Bob *********
no you can’tBob **********
@Ernesto *******
up to you go buy worthless insurance if you like your one of those people that never listen you see them everywhere over hereReply to
Bob **********
Reply
Lynnette *******
It is easy to get the Non-O and no insurance needed. The OA requires you to renew the insurance with one of their recommended companies every year.
Reply to
Lynnette *******
Reply
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