About switching a health insurance while being on a visa that requires a health insurance at least for the initial qualification and issuance stages. More specifically LTR visa. My existing insurance has a huge deductible, I will never benefit from it, it helped me qualify for the LTR. I like to get a much better insurance. I am curious if Thai insurance firms make a refund in case of an early termination. Do they have to notify any government entity in case of cancellation. Did anyone cancel their healthy insurance after getting the visa ? There is no mechanism or enforcement in place to monitor insurance coverage of a LTR holder once they get their visa. They just have to get a coverage during the second 5 yr qualification stage.

I have a problem with the health insurance company that issued the policy I am required to have for my long stay (OX) visa . Because I am over 65, they required me to have a very comprehensive checkup/report that cost several thousand Baht (and then listed a dozen or so conditions they will not cover, with no price reduction). They stated clearly (in an email) that a defined portion of the checkup/report costs would be refunded to me if the cover went ahead, but after a couple months they claim to have made a mistake and will not make the defined refund.

Is it possible to pursue the company for the promised ~ 5,000b ?