Retirement visa · Updated 2026-10-23
O-A visa health insurance: 3,000,000 THB, not 400,000
The 400,000 THB figure is the 2019 rule and is still quoted on many sites. Here is the current requirement, and how to get a compliant certificate.
Current rule · O-A visa
USD 100,000
or 3,000,000 THB
- • Covers all medical expenses, including COVID-19
- • Thai or foreign insurer accepted
- • Foreign policy: Foreign Insurance Certificate signed by the insurer
- • Rule in force since 1 October 2021
Old rule · 2019
400,000 THB
inpatient + 40,000 THB outpatient
- • Replaced by the USD 100,000 / 3M THB rule (amendment of 2021)
- • Listed by the Thai General Insurance Association as the extension standard before September 2022
- • Still quoted on many websites: do not rely on it
- • Extending your stay in Thailand? Ask your immigration office which documents it requires
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Questions
How much health insurance do I need for a Thailand O-A visa?
For an O-A application at a Royal Thai Embassy or Consulate, the requirement is insurance covering all medical expenses, including COVID-19, of at least USD 100,000 (3,000,000 THB) for the length of the stay (rule in force since 1 October 2021). The 40,000 THB outpatient / 400,000 THB inpatient figure still quoted online is the 2019 rule: the Thai General Insurance Association lists it as the extension standard before September 2022. For an extension of stay today, ask your immigration office which documents it requires.
Is a foreign (non-Thai) insurance policy accepted for the O-A visa?
For the application at the embassy, yes: a foreign policy is accepted with the Foreign Insurance Certificate signed and stamped by the insurer. Some embassies also ask for that certificate to be notarised or legalised. For an extension in Thailand, ask your immigration office whether it accepts your policy before relying on it.
Does the O-A insurance have to cover the whole year?
Yes. The certificate must cover the period of stay granted by the visa or extension, which is up to one year for the O-A.
Who can apply for the O-A visa?
The O-A (long stay) visa is for applicants aged 50 or over, for a stay of up to one year, renewable by extension in Thailand. Financial requirements also apply; check the official guideline of the embassy where you apply.
Does Waisiam charge a fee?
No. Comparing plans on Waisiam is free. Waisiam is a comparison platform, not an insurance broker: your request is handled by All Risk Consultant Co., Ltd., an insurance broker licensed by the Office of Insurance Commission (OIC) of Thailand.
Official sources
- Ministry of Foreign Affairs: amendment to the O-A health insurance criteria (1 Oct 2021)
- Thai General Insurance Association: O-A guideline
- Thai General Insurance Association: O-X guideline
Rules can change and requirements differ between embassies and immigration offices. Always confirm with the office handling your file. Waisiam is a comparison platform, not an insurance broker; policies are arranged by our OIC-licensed partner broker.