The insurance demand smells fishy to me. The motive should be to get tourist, retirees, and expats to have sufficient insurance, so they do not become a liability for hospitals in Thailand. I have been admitted to hospitals four times in Thailand and my insurance has paid all expenses. When my heart stopped, I was brought to Bangkok hospital. My insurance cover it. if I had insurance in one of the Immigration recommended insurance companies, I would have had to pay it all due to a preexisting condition.

For example, Pacific Cross insurance does not even cover treatment at Bangkok hospital, Bumrungrad and some other private hospitals. The approved insurance options look like a scam to enrich insurance agents and “others”. Thailand will lose out in the international competition to attract retirees at the time the Thai economy need us the most.

Nice loop-hole! If the legal fees is not to hefty we can sue each other and stay for ever! LOL

Thailand should re-consider their insurance demands. I have an excellent Government insurance accepted by Bangkok Hospital and other private hospitals. Sadly, it is not accepted by Thai Immigration. They want us to buy a Thai insurance that for me is worthless since I have pre-existing condition. The insurance demand will discourage A-O visa applicants and Thailand will lose revenues on the profitable retirees. Covid-19 should prove it is a good idea to have more retirees and expats, because viruses come and go, while we do not abandon ship.