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Mandatory health insurance for Non O-A visa effective from 31 October


webfact

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They're only testing the water. But the water will recede shockingly fast, as hardly anyone will apply for O-A. Then, the drooling insurance co. and their cronies will turn their greedy eyes to the yearly extension. 

 

Mandatory insurance is fine, but outpatient is a total racket.

It gets worse: $1,000 for 400,000 TBH yearly payout? Hell, I pay $2,000 for $16,000,000 per annum and the coverage is worldwide.

 

When that hammer falls, I'll be leaving for a greener pasture. 

 

 

 

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14 minutes ago, wensiensheng said:

A non o visa is not long stay. You have to leave Thailand within 90 days.

Wrong!  I'm holding a non Imm O visa based on retirement  with one year of validity, and I do not need to leave the country within 90 days.

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1 hour ago, barryofthailand said:

If you live overseas you need health insurance. Hospital care is not cheap in Thailand 

I assume your speaking for yourself vs trying to impose your ideals on everyone else?

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2 minutes ago, roadrunner32 said:

Wrong!  I'm holding a non Imm O visa based on retirement  with one year of validity, and do not need to leave the country within 90 days.

Extension

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I have a OA visa which is due in the next 3 week, I do not have health insurance cover. Does this mean if I go to Immigration prior to 31 October and have my visa extended for another 12 months it will be okay as that will give me 12 months to sort out Health cover for the future.

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Well i checked around and found cost excessive at 65! 7k to 22k USD/year.

 

To that end i cannot afford the cost! Anyway just have to plan and leave my Thai wife.

 

 I'm convinced the "Thai Government" will take good care of her like i have been doing for the past 11 years!

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57 minutes ago, PEE TEE said:

The reason is not needed i think is the fact of the income or the 800.000 in the bank covers 

Yea a lot of good that does, if one uses any of the 800K or 400K that one has to have in the bank than one can't get an  Extension . It would be alright if one was aloud to use that money for an emergency as long as one would be able to top that up before the next extension. Some really crazy stuff happening. 

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I'm one of the unlucky ones.  Been here on a Non O-A for several years.  Others I know have changed to a Non O.
If I understand this, the options are:
1.  Pay the insurance. 
2. Leave to a neighboring country, obtain a Non O visa based on retirement or get in Thailand ?

3. Leave Thailand.
 

I have BCBS insurance that reimburses me for overseas care.  I pay upfront.
This Thai policy is not really something I want to pay for.  

It's taken me a year to accept putting money in a Thai bank (which I haven't done yet as my extension is in January) and then this.  

 

Nice short notice.   555 
 

 

 

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23 minutes ago, Thaifriends said:

Do EU allow long stay foreigners without a mandatory health insurance?  No. Even for a non EU visitors, need travel insurance.

So why TH should not implement? Comments in the thread are similar to suggesting that a govt should have first taken their permission. 

This discussion is around a year old so there was enough time.

Travel Insurance is vastly different than Health Insurance.

And EU does not mandate which insurance companies.

And anyone who gets an Retirement O-A has proven they have the money needed and are healthy.

The problem (unpaid medical costs) is tourists who arrive and get injured without insurance.

 

But it is not about solving the problem - it is about making money - and (apparently) getting rid of long-stay Expats.

Example:  You go for an extension of permission and you have to pay a 2000 Baht fine because some hotel did not report you staying there 4 months ago !?  How do you know they have not reported you staying? 

 

This is how the Thai Govt treats Expats - they obviously dont want us there. They (obviously) only want 'quality' Chinese and Indian tourists.  IMO it will only get worse before it ever (if ever) gets better for Expats.  As per my comment elsewhere, this is the final straw for me - the option of living 6-9 months in Thailand each year and 3-6 months here in Aus is gone - we will be living mainly in Australia now - I will only visit Thailand for 1-3 months at a time as a tourist.  Maybe policy will change - but unless the Govt changes this 'policy direction' they will drive most Expats out.  Forcing me to put 800K in a Thai Bank permanently for the 'privelege' of staying in Thailand as a second class citizen with no legal rights was just the start. The introduction of the TM30 scam was a big hit.  But this mandatory insurance scam is it.  I now get the message - and so does my Thai wife - she never gets upset but this insurance scam has made her angry. If we were to live mainly in Thailand for 15 years, we would have to pay over 1 million baht for very dubious health insurance - but given that the Thai insurance companies will up the premiums a lot in that time (and they will skyrocket once I hit 70-75), I estimate it will be close to 2 million baht.  Meanwhile, back in Aus the Medicare system is free and the medical system here is first class.  

 

Camel's Back - Golden Goose - however you look at it, they are destroying what was a good thing for them.

 

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I'm really thinking of selling out. Mexico sounds nice. Looks like very friendly visas too. How Mexico for retitement?

 

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19 minutes ago, roadrunner32 said:

Wrong!  I'm holding a non Imm O visa based on retirement  with one year of validity, and I do not need to leave the country within 90 days.

Wrong ! You have a retirement extension of a Non o visa, as such you just have to report to immigration every 90 days, if you just have the Non O then you have to visa run every 90 days.

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7 minutes ago, kevinmartyn said:

Well i checked around and found cost excessive at 65! 7k to 22k USD/year.

 

To that end i cannot afford the cost! Anyway just have to plan and leave my Thai wife.

 

 I'm convinced the "Thai Government" will take good care of her like i have been doing for the past 11 years!

So dump your wife over an insurance policy? its true Thailand does attract the lowest of the low.

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It was announced previously that for Expats who cannot qualify for Insurance (too old or pre-existing conditions... Then these people would be required to have Extra money in a Thai Bank Account. How much?  No announcement yet 

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4 minutes ago, RBOP said:

I'm really thinking of selling out. Mexico sounds nice. Looks like very friendly visas too. How Mexico for retitement?

 

American??  If you are, then look at the countries from Sth Mexico down to Ecuador.  Lots of Americans have been retireing down that way for the last 15-20 years.  Like Spain and Italy for the Poms - full of them.

  

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1 hour ago, TDCNINJA said:

Who wants to bet how long before this applies to all Non-Immigrants visas?

It possibly will happen. Its no if but when. Those of a certain age will be very unlikely to qualify for cover from an insurance company. So the question then will be, who will provide the cover? If not the insurance companies, will the government? Or will those unable to acquire cover be deported? I feel sure there are those who will be unable to afford the premiums and are trusting their family will help. Not such a good idea. The government should give very, very serious consideration to enforcing health insurance on long term expats.  

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20 minutes ago, Barry343 said:

I have a OA visa which is due in the next 3 week, I do not have health insurance cover. Does this mean if I go to Immigration prior to 31 October and have my visa extended for another 12 months it will be okay as that will give me 12 months to sort out Health cover for the future.

Probably. And it does not apply to extensions in country - at this stage. 

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36 minutes ago, Miami007 said:

One question.. will you not have any insurance while living in Thailand? Or have insurance from your home country?

The older we get, the more likely we will need medical services at one point 

I've got better coverage from home country.... but I agree all should have health insurance when getting older. I just dont agree with a policy that forces sub standard coverage from a tiny pool of providers on those that want to stay.

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I really wish people would follow the links in the articles posted. The cost of the insurance to meet the requirements is about 20,000 baht a year. Less than 400 baht a week. For someone contemplating spending 12 months in Thailand it is the proverbial drop in the ocean. That is with major insurers like AXA and Pacific Cross.

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1 minute ago, emptypockets said:

I really wish people would follow the links in the articles posted. The cost of the insurance to meet the requirements is about 20,000 baht a year. Less than 400 baht a week. For someone contemplating spending 12 months in Thailand it is the proverbial drop in the ocean. That is with major insurers like AXA and Pacific Cross.

and quite a bit more expensive if you are not 50 years old +1 day... entry price on 65 yr olds for example is ridiculous

 

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Good luck to those wanna to stay in Thailand.For those wanna leaves, I would say it is very good idea. Spend your money for something that can make your life happier and freedom.

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3 hours ago, Scot123 said:

Yet. And this was the number 1 reason we left Thailand. 20 days notice.... How can you really live your life and plan a future (...)

I hope Thailand will find many "aliens" (perhaps from Mars) who will still be interested in such a visa. This foreigner is not!

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22 minutes ago, AussieBob18 said:

American??  If you are, then look at the countries from Sth Mexico down to Ecuador.  Lots of Americans have been retireing down that way for the last 15-20 years.  Like Spain and Italy for the Poms - full of them.

  

Costa Rica and Panama - most common Central American destination for Expat American retired folks - second to Mexico. 

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32 minutes ago, Surasak said:

It possibly will happen. Its no if but when. Those of a certain age will be very unlikely to qualify for cover from an insurance company. So the question then will be, who will provide the cover? If not the insurance companies, will the government? Or will those unable to acquire cover be deported? I feel sure there are those who will be unable to afford the premiums and are trusting their family will help. Not such a good idea. The government should give very, very serious consideration to enforcing health insurance on long term expats.  

They don't want that. Other, more welcoming countries in the region will profit.

 

Thailand only wants tourists who stay two weeks at the most, but doesn't want to become a retirement or expat destination. Good for them, as long as world tourism- and economic trends are on their side.

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2 hours ago, POMRAKSIAM said:

I just paid my premium for my new health insurance. Its Pacific Cross "long stay for retirement in Thailand" policy. Seriously no advertisement ....just happy to get that one out of the way. It is 40/400 and at 54 years old cost me $1000 USdollars😉😁(not sure any good ....555)

Ok if your in that lower age category, try being 67, I got a quote from pacific cross for 125,000B ($4120.00 USD) one year. Not many health insurance companies will cover over 65 now, if they do, the premium is over the top for most expats. Watch your premiums jump significantly every 2 years.

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I'm still confused...

 

I entered Thailand on a Non O-A Long-stay Visa 20 years ago and have been living here ever since. I get an Extension of Stay every year, and use the Retirement criteria, but could use the Marriage (Thai Wife) criteria.

 

If anyone can answer these questions about the necessity to have health insurance with any level of certainty, I would appreciate it:
 

1. Does this new law apply to someone (like me) already in Thailand and just applying for an Extension of Stay based on Retirement criteria?

2. Does this new law apply to someone (like me) already in Thailand and just applying for an Extension of Stay based on Marriage (Thai Wife) criteria?

3. I am 73 so cannot buy health insurance. Could I post a THB440K bond (THB400K for inpatient plus THB40K for outpatient) with the government or a health insurance company to satisfy the insurance requirements?

 

Thanks...

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This follows reports last week, that the Government has now introduced DUAL PRICING in ALL PUBLIC Hospitals.

 

 The Government ORDER, reportedly instructed All Government Hospitals to basically charge DOUBLE for services to the Ferang/ALIENS.

Just wondering if THAIVISA has any further info ?

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I think this just puts another nail in the coffin for future 'Farangs looking at retiring here. With all the BS Immigration is handing out towards 'Farangs' it will become a "no go zone'.

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