Health insurance for Non-O-A, O-X and LTR visas

Read the notification in force on your filing date, because the figures have changed more than once. The earlier condition was outpatient cover of at least THB 40,000 and inpatient cover of at least THB 400,000; a later notification set total cover of not less than USD 100,000. Check the requirement published by the Thai embassy or consulate-general handling your application and by the Immigration Bureau at immigration.go.th, since officers compare the sums printed on your policy schedule against the rule applying that day.

It is the central system run by the Thai General Insurance Association listing policies issued for long-stay visa applicants. When a Thai insurer issues a policy and records it there, officers can verify the policy online, which removes disputes over forged or cancelled certificates. A policy bought abroad will not appear in that system, so you must instead submit the insurer certification form the notification prescribes.

No. The criteria BOI publishes at ltr.boi.go.th allow a health policy with cover of not less than USD 50,000 valid for your stay in Thailand, or proof of Thai social security entitlement covering treatment in Thailand, or a deposit in the amount the criteria specify. A foreign policy is acceptable if it states clearly that treatment inside Thailand is covered and comes with a Thai or English translation.

If you entered on a visa category whose conditions include health cover, the officer will want proof of cover valid for the whole period you are asking to stay. Policies that expire before the requested end date are commonly rejected, so renew so the cover extends past that date and bring the schedule page showing the sums insured, the period and the insured name matching your passport.

Not in every case, but for visas where officers verify the policy through longstay.tgia.org they generally expect a policy from a participating insurer. Foreign policies are sometimes accepted with an English confirmation of benefits stating limits and cover dates as required by the applicable notification. Confirm with the embassy or Immigration office handling your file before buying.

Applicants must show a policy covering treatment in Thailand at the sums announced and in force on the filing date, for both outpatient and inpatient treatment. Thai insurers in the central scheme issue certificates that immigration can verify instantly. Foreign policies are accepted when the insurer issues the prescribed certification form stating the sums insured and a coverage period spanning the requested extension, with an English or Thai translation. Many immigration offices also ask the insured to sign every page of the copies.

Long-term resident visa conditions state the cover in US dollars and allow a deposit of the specified amount as an alternative to a policy, whereas Non-O-A extensions follow announcements denominated in Thai baht and require cover for treatment in Thailand throughout the period requested. Check that the insured name matches the passport exactly, that the coverage period overlaps the permitted stay, and that the certificate expressly confirms treatment in Thailand is covered.

LTR applicants must show health insurance with at least USD 50,000 of cover valid for a minimum of ten months from the application date, or alternatively a deposit that meets the BOI criteria. Foreign policies are acceptable when they clearly state coverage inside Thailand, and each dependant needs cover in their own name.