Navigating Thailand’s Long Stay Visa: A Guide to ‘ Health Insurance ‘ [ Beyond Care Plan ]

Understanding the Long Stay Visa

The Long Stay Visa, also known as the “O-A” visa, is designed for retirees and individuals wishing to spend an extended period in Thailand. This visa is valid for a duration of one year and can be renewed annually, offering a convenient option for those looking to make Thailand their home away from home.

Importance of Health Insurance

As part of the visa application process, the Thai government mandates proof of health insurance coverage. This requirement is in place to safeguard visitors and reduce the potential burden on the country’s healthcare system. It ensures that individuals have access to medical care without placing undue strain on local resources.

Key Features of Long Stay Visa Health Insurance Plans

1. Coverage Limits

   • Long Stay Visa health insurance plans typically provide coverage ranging from 1 to 3 million Thai Baht. This ensures that policyholders have sufficient financial protection in case of medical emergencies.

2. Inpatient and Outpatient Coverage

   • Comprehensive plans cover both inpatient and outpatient medical expenses, including hospitalization, surgeries, doctor’s visits, and prescription medications.

3. Repatriation Coverage

   • Many plans include coverage for repatriation, ensuring that in the event of a severe medical condition, policyholders can be safely transported back to their home country for further treatment.

4. Age Restrictions

   • It’s important to note that age restrictions may apply, with certain plans tailored to specific age brackets. Be sure to choose a plan that aligns with your age and health status.

5. Network of Hospitals and Clinics

   • Look for insurance providers with an extensive network of affiliated hospitals and clinics across Thailand. This ensures that policyholders can access medical care conveniently.

6. Coverage for Pre-existing Conditions

   • While coverage for pre-existing conditions may be limited, some plans offer partial coverage or specific conditions after a waiting period. It’s crucial to disclose any pre-existing conditions during the application process.

Care for your health at the highest level with comprehensive worldwide health cover of up to THB 30m per illness or injury.

Table of benefits

• Coverage / Benefits

*Each hospitalization as Inpatient for medical treatment(s), or each major surgery treatment without the hospitalization as inpatient (day surgery), in a hospital or medical facility. In this regard, hospitalizations as Inpatient for treatments, or major surgery treatments without hospitalization as inpatient (day surgery) in a hospital or medical facility, regardless of how many times, due to the same injury or sickness which has not been cured, including related or continuous complications, within 90 days from the date of last discharge from the hospital or medical facility will be considered as a single confinement.

**Full cover, not over maximum coverage per confinement.

*** Applicable to the Insuring Agreement for Personal Accident, Death, Dismemberment, Loss of Sight, Loss of Hearing, Loss of Speech or Permanent Disability Benefits (Or.Bor.2). 50% coverage in case of motorcycle accident.

Remark :

– Worldwide coverage (excluding the United States of America where the benefits will be paid for the injury from an accident only). Medical expenses for treatments of chronic kidney disease by hemodialysis and organ transplantation are covered in Thailand only.

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Optional benefits

*Deductible is applicable to an inclusion of inpatient coverage (all 13 Sections), special nurse care at home and specialist’s consultation fees. It excludes maternity, annual health check-up, outpatient, and personal accident (Or.Bor.2) coverage.

**For maternity benefits, policyholders must make an advance payment for medical services.

***Applicable to the Insuring Agreement for Personal Accident, Death, Dismemberment, Loss of Sight, Loss of Hearing, Loss of Speech or Permanent Disability Benefits (Or.Bor.2). 50% coverage in case of motorcycle accident.

​Remark:

– Maternity coverage will be provided following a waiting period of 280 days, except in the case of miscarriage, which will be covered following a waiting period of 90 days.

Tax benefits

Remarks