I am trying to get back to Thailand, but struggling with Covid Insurance cover.
I want 6 months in Thailand and I was going to apply for a multi tourist visa, which requires 60 day insurance cover, leave the country and need another 60 days insurance cover and finally leave the country and another 60 days insurance cover. Hence a total of 90 days insurance cover required.
The quotations (age 65) are all around £1,000. The cost seems excessive in addition to the amount I usually pay for Thailand visits.
I then looked at obtaining a Non-O Visa in London which would allow 90 days and would transfer the 800k Bhat required for making the application for extension when in Thailand. After getting an extension I would leave Thailand 3 months later, while returning to Thailand 6 months after that - using the existing Non-O Visa extension to return - Then extend again when I arrive back in Thailand and continue this cyclic process in the future.
Getting insurance cover for this is not clear. London Thai Embassy requires the application for the Non-O as the following.. “Copy of health insurance that covers COVID-19 related medical expenses, both inpatient and outpatient, no less than 100,000 USD for the whole period of your stay in Thailand”. The 100,000 is out of date, but “The whole period of stay as defined by the permission to stay is 90 days, but actual stay is intended as 180 days and the allowable stay if an extension is done is 90 (Non-O) + 365 (ext) days. How can this situation be covered for “the whole period of stay” with insurance cover?
The same question would arise if entering Thailand on Visa exempt and then making Non-Immi O application / change to Visa exempt status. The Visa exemption would provide 30 days and yet “the whole period of stay” for insurance cover is unclear if 30 days cover would suffice or any further application to visa change on the exemption and indeed the extension would then be checked for Insurance for “the whole period of stay” at Thai immigration.
Best case would be just 30 days insurance for Visa exempt (Insurance cover quoted £390 - £570) or worst case 12 months (Insurance cover quoted £1,320 - £1,570)
Am I missing something here - Or are the 65yr and overs now facing a large insurance cost just to return after many years living there?