Which is the better retirement visa for Thailand, Non-O or Non-OA?

Oct 24, 2024
a month ago
Dennis *************
ORIGINAL POSTER
Retirement Visa, which one is better, Non-O or Non-OA?- apply the visa from my home country- 800k in Thai bank, done.

I have full unlimited insurance

PS If this was "new to Thailand" he/she would be very confused after read all the comments😏
2,405
views
4
likes
67
all likes
46
replies
1
images
24
users
TLDR : Answer Summary
The conversation discusses the pros and cons of two types of retirement visas available for expats in Thailand: the Non-O and the Non-OA visas. Key points include that the Non-O visa is less restrictive, allowing for flexibility in health insurance choices, and can be applied for from within Thailand. In contrast, the Non-OA visa requires specific health insurance and can typically only be applied for from the applicant's home country. Many participants recommend choosing the Non-O visa for ease and reduced requirements, especially if the applicant already has the necessary funds in a Thai bank account.
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.
Kuu *****
Non O can be applied in Thailand on your 60 days visa exemption and insurance is NOT tied up. Non OA in your country required lots of paper works. Sent you the details in your inbox. Hope these info will help you
Kemal ******
I have been living in Thailand for nearly 10 years now and reading all these posts got me more than confused!! Every post is telling something different!
Sean **********
Because Non-o allow a wider selection of insurance options.
Priya **********
Do they ask you for medical certificate after the three months?

Has anyone ever received a retirement visa who had a chronic health condition that is not contagious?
James *********
@Priya *********
I'd say a good percentage of expats fit that bill 😊
Priya **********
@James ********
thats good to hear
Chang ******
Sorry to ask what's different OA an NonO
Jan ******************
@Chang *****
Non O is for 90 days, Non O-A is for one year and can only be applied for at home.
Chang ******
@Jan *****************
thank you Jan 555
Kemal ******
@Chang *****
You can apply for non OA in Thailand. I have been doing it for years.
Dennis *************
ORIGINAL POSTER
Thanks guys, decided for Non-O
Jan ******************
@Dennis ************
Good choice unless you’ll be stuck with a mandatory thai health insurance approved by the thai immigration for all your future extensions of stays.
Nick ************
The insurance you have might not meet the criteria for a non OA however good it might be. I would opt for the 90 day non o based on being over 50 but get it before you come to Thailand. With this visa it will be easier to open a Thai bank account and deposit the required funds for 2 months + before applying for a 12 month extension. You may wish to then get your next 12 month extension based on monthly income of
*****
+ baht every month for 12 months showing as coming from overseas. Don't forget that you have to meet the requirements if your first extension and keep 800k baht in your account for 3 months after application granted. Them it must not fall below 400k baht for the rest of the year. Whether you make it back up to 800k baht 3 months prior to needing a new extension (in case monthly payments go tits up) is up to you. That is what I am going to do. Always have a plan b and c.

I use Wise to transfer monthly payments from uk to Bangkok bank using funds for long term stay in Thailand. This has proved the most reliable way if getting transfers to show as international or FTT.

Good luck.
Dennis *************
ORIGINAL POSTER
I have a full unlimited insurance
Greg ***********
@Dennis ************
the problem with Non-O/A is, that as soon as you change from the visa to the "1-year Extension of Stay Permit", Immigration will not accept your foreign insurance any more. You will then have to sign a mandatory contract with one of the Thai private, tgia-listed insurance companies. They are mostly not worth the paper the contracts are written on. When you stick with the Non-O visa, your freedom of choice in regard of your preferred health insurance is ensured
Janin ******
@Greg **********
, not true, there are also (foreigner) insurances accepted ! Look at the list.
Greg ***********
@Janin *****
there are ONLY Thai private companies listed in the "tgia-list of insurances". The "Allianz" has only the name common with an European insurer - they are actually FAKING to be identical with them. Also the AXA Thailand is NOT the same as the AXA Europe
Janin ******
@Greg **********
, Pacific cross, AXA. Falcon,AETNA, are accepted and are on the list!
Greg ***********
@Janin *****
no BDAE Expat Infinity. No AXA Europe. No ALLIANZ Worldcare . . .not in the tgia-list
Greg ***********
@Janin *****
. . and they all are THAI companies. Very private profit oriented insurance companies 😉
Peter ****************
It depends how long you want to stay. If it's less than a year, the OA is nice. It's multi entry and besides the 90 day reporting, you have to do nothing. However if you want to stay longer, use a year extension, the O is better because no need of health insurance. You DO need a re-entry permit to keep the year extension alive. Ofcourse it's always good to have a health insurance but with many over here, it's tricky if they will pay.
Alessandro **********
Non O and extend it in Thailand
Paul *********
OX
Chris *******
The simplest and lowest requirements is 90 day non-o with yearly extensions in Thailand.

The only real requirement for extension is the 800k in Thai bank.

The OA has mandatory health insurance, medical and criminal checks.

Is a 1 yr+ multientry visa only requiring money in your home country.

BUT if extending in Thailand you need the 800k money in Thailand AND always health insurance accepted by Thai immigration.

*ALL should have health insurance* BUT the OA requires specific accepted insurance from a list and becomes an issue for many.
Tim *******
non oa if u need dependant
Marty *********
The OA requires insurance. The O doesn’t require insurance. Aside from the insurance requirement they both have the same exact 1 year extension requirements. Go for the O visa.

I had an OA for 6 years. As for the better visa . . . I switched from my OA to a 10 year pensioner LTR visa.
Michael ********
The OA is good initially till you get the lay of the land and want to truly commit to Thailand

Cons need insurance (not a bad thing) pros you dont need money in Thai bank
Graham ******
@Michael *******
You cannot get an extension without the 800k so it gets you up to two years with one border bounce (and new insurance) then you leave and start again with a new Non-OA from "home"
Michael ********
@Graham *****
yes so thats why personally i think its a good visa for initial retirement, gives you time sort out bank account and get an idea if you want to truly stay. Seen so many people give up after a year and decide thailands not for them for whatever reason
Janin ******
@Michael *******
O also require the money!
Michael ********
@Janin *****
Yes but not in Thai bank as I said. Thats the benifit can keep overseas probably earning interest
Tony **********
Apply for non-o from home country.
John **********
If you've already got the 800k in a Thai bank I'd go with the Non-O
Bob **********
Non-o no worthless insurance
Kari *******
@Bob *********
You must be a "moneyman"

When You can, for example, in the event of an accident, book a medical flight back to your home country.

The flight costs tens of thousands of euros or dollars.

Lucky You...
Bob **********
@Kari ******
yes some people are lucky I wouldn’t have moved here if I had to watch every dime
Kari *******
OA is better.

BUT WTF...

Why are some people here talking about insurance.

It's completely stupid to travel anywhere without comprehensive insurance.

How can anyone, for example, in the event of an accident, book a medical flight back to their home country.

The flight costs tens of thousands of euros or dollars.

Stop that bullshit.
John ********
@Kari ******
because of the insurance in Thailand is so expensive for the service you get 🙄 we are robbed 😤
Bob **********
@Kari ******
because the insurance required is from Thai companies and cover very little get the non-o and buy whatever insurance you want,most people self insure over here
Kari *******
@Bob *********
I've had insurance from my home country Finland, for eight years now.

My insurance covers everything, unlimited, anywhere in the world, and only costs around €550 a year.
Bob **********
@Kari ******
good luck with that OA visa
Kari *******
@Bob *********
OA is the second best option when your second home is in Thailand.

It is valid for two years, if you know how to time your trip correctly.

The best option is the DTV visa for five years.
Bob **********
@Kari ******
I went from non-o to OA and after extending 1 year total three immigration told me to go out come back and start non-o much better 15 years no problem and no shoddy insurance
Dennis *************
ORIGINAL POSTER
@Bob *********
I have unlimited insurance
Bob **********
@Dennis ************
it has to be approved by the Thai consulate and most insurance doesn’t work over here
Tom ***********
Following
Thai Visa Advice and Everything Else
... members · 60% approval rate
The Thai Visa Advice And Everything Else group allows for a broad range of discussions on life in Thailand, beyond just visa inquiries.
Join the Group
Thai Visa Advice and Everything Else
View the Conversation
Thai Visa Advice and Everything Else