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

Plans with at least 3,000,000 THB of cover

Indicative yearly premium, inpatient cover only, at 50, 60 and 70. The insurer must also issue the certificate required by the embassy.

Estimated prices, not an official quote. These amounts come from the insurers' rate tables and are given for information only. The actual premium is set by the insurer after reviewing your application. Continue to receive the insurer's official quote, free and without obligation.

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Plan	Annual limit	Room / night	Area	Age 50	Age 60	Age 70
Allianz Ayudhya Smarter Health Plan 3	3,000,000 THB	6,000 THB	Thailand	32,700 THB	46,900 THB	On request
Allianz Ayudhya Smarter Health Plan 4	5,000,000 THB	7,000 THB	Thailand	35,100 THB	50,800 THB	On request
AXA Smart Care Plan 3	5,000,000 THB	10,000 THB	Thailand	43,100 THB	55,900 THB	On request
LMG Elite Plus Bronze	5,000,000 THB	5,000 THB	Worldwide	44,300 THB	59,600 THB	116,400 THB
Allianz Ayudhya Superior Plan 2	5,000,000 THB	9,000 THB	Worldwide	44,900 THB	68,400 THB	On request
Pacific Cross Premier Plus	3,000,000 THB	6,000 THB	Worldwide	47,500 THB	58,800 THB	96,700 THB
AXA Smart Care Plan 4	10,000,000 THB	12,000 THB	Thailand	48,400 THB	62,600 THB	On request
Allianz Ayudhya Superior Plan 3	10,000,000 THB	12,000 THB	Worldwide	48,700 THB	75,500 THB	On request
Pacific Cross Maxima	5,000,000 THB	8,000 THB	Worldwide	55,000 THB	68,200 THB	112,300 THB
Allianz Ayudhya Max Care Plan 6	5,000,000 THB	12,000 THB	Worldwide	55,800 THB	81,000 THB	On request
LMG Elite Plus Silver	20,000,000 THB	8,000 THB	Worldwide	57,500 THB	81,400 THB	160,300 THB
Allianz Ayudhya Beyond Care Plan 3	3,000,000 THB	11,000 THB	Worldwide	59,500 THB	88,300 THB	On request
Pacific Cross Maxima Plus	10,000,000 THB	10,000 THB	Worldwide	61,500 THB	76,300 THB	125,500 THB
Allianz Ayudhya Beyond Care Plan 4	5,000,000 THB	12,000 THB	Worldwide	64,400 THB	95,200 THB	On request
Pacific Cross Ultima	20,000,000 THB	16,000 THB	Worldwide	70,300 THB	87,100 THB	143,300 THB
Allianz Ayudhya Beyond Care Plan 5	10,000,000 THB	15,000 THB	Worldwide	71,500 THB	107,700 THB	On request
AXA Switch Care Plan 1	3,500,000 THB	6,000 THB	Asia / Worldwide	72,600 THB	119,400 THB	230,700 THB
LMG Elite Plus Gold	80,000,000 THB	16,000 THB	Worldwide	76,600 THB	103,200 THB	188,800 THB
AXA Switch Care Plan 2	7,500,000 THB	8,000 THB	Asia / Worldwide	77,800 THB	128,000 THB	247,300 THB
LUMA Hi5 Plan 1	5,000,000 THB	5,000 THB	Worldwide	79,400 THB	147,600 THB	290,100 THB
Pacific Cross Ultima Plus	50,000,000 THB	18,000 THB	Worldwide	84,400 THB	104,700 THB	172,200 THB
LUMA Hi5 Plan 2	5,000,000 THB	8,000 THB	Worldwide	88,000 THB	163,700 THB	321,700 THB
AXA Switch Care Plan 3	15,000,000 THB	10,000 THB	Asia / Worldwide	88,700 THB	145,800 THB	281,800 THB
Allianz Ayudhya Beyond Care Plan 6	30,000,000 THB	20,000 THB	Worldwide	89,900 THB	135,300 THB	On request
AXA Switch Care Plan 4	30,000,000 THB	12,000 THB	Asia / Worldwide	95,400 THB	156,900 THB	303,100 THB
LUMA Prime Plan 1	10,000,000 THB	12,000 THB	Worldwide	111,800 THB	207,900 THB	408,600 THB
LUMA Prime Plan 2	30,000,000 THB	15,000 THB	Worldwide	125,800 THB	234,000 THB	460,000 THB
LUMA Prime Plan 3	50,000,000 THB	20,000 THB	Worldwide	141,600 THB	263,300 THB	517,600 THB
April Essential	16,375,000 THB	As charged	Worldwide	On request	On request	On request
April Extensive	32,750,000 THB	As charged	Worldwide	On request	On request	On request
April Elite	65,500,000 THB	As charged	Worldwide	On request	On request	On request
AXA Easy care Visa Plan 2	4,000,000 THB	4,000 THB	Thailand	On request	On request	On request

Over 60? See health insurance for retirees.

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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

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.