Not sure if immigration will approve LMG and Luma with 200,000 baht inpatient deductibles, its abit of cheating really. But I believe my own insurance from my home country provides overseas accident coverage.
I looked up the cheapest available insurance for oa visa with deductibles, lowest price option is offered by Luma and LMG with 200,000 baht deductibles
i would prefer not to shift money to Thailand, my uncertainty really is, can I buy a 9month insurance for oa visa if I only intend to stay 9months and not 1 year.
thanks garret, you have been most helpful, really appreciate it. I have just survived first 3 months of retirement in Thailand, slowly getting used to the traffic and immigration bureaucracy...