OA Visa extention if cannot get insurance

[GeorgeCross]

21 minutes ago, pennine said:

But what is the situation if original O-A visa, several years extension of stay based on retirement and too old to get insurance?

 

currently options are:

1 extension will be refused as there is no clause covering this eventuality

2 get a non-o from a neighboring country then extend that after 90 days

3 talk to an agent

4 hope and pray its all been one big misunderstanding & current oa's do not require insurance after all 

 

[TallGuyJohninBKK]

17 hours ago, TallGuyJohninBKK said:

 

They still list and offer the three high-priced, low-coverage, no deductible Platinum policies that were the original ones under the O-A program, as part of their now-broader list of O-A certified policy lines that includes all the other general public policy lines -- Premier, Maxima, Ultima, etc.

 

Pacific Cross has clearly and publicly said the Premier, Maxima and Ultima policy lines (along with Standard Extra) are all OA-certified, provided the policy holder doesn't opt out of OPD. All of those same policies also normally allow deductibles.

 

 

Since the issue arose here of whether Pacific Cross policies for O-A certification purposes can have premium-reducing deductibles, Sheryl got clarification and posted in her "cheat sheet" thread that Pacific Cross had clarified to her that YES, deductibles are perfectly fine with their general public-Lifestyle series plans. And those are certified for O-A purposes.

 

Meaning Standard Extra, Premier, Maxima and Ultima series policies.

 

So, if someone HAS to obtain insurance under the new Immigration requirements and doesn't have any other better options, the annual deductible options Pacific Cross offers with their policies can reduce the annual premiums anywhere from 25% to 50%, potentially making them very much more affordable, while still protecting against major medical expenses.

 

[Max69xl]

46 minutes ago, TallGuyJohninBKK said:

 

Since the issue arose here of whether Pacific Cross policies for O-A certification purposes can have premium-reducing deductibles, Sheryl got clarification and posted in her "cheat sheet" thread that Pacific Cross had clarified to her that YES, deductibles are perfectly fine with their general public-Lifestyle series plans. And those are certified for O-A purposes.

 

Meaning Standard Extra, Premier, Maxima and Ultima series policies.

 

So, if someone HAS to obtain insurance under the new Immigration requirements and doesn't have any other better options, the annual deductible options Pacific Cross offers with their policies can reduce the annual premiums anywhere from 25% to 50%, potentially making them very much more affordable, while still protecting against major medical expenses.

 

"can reduce the annual premiums anywhere from 25% to 50%, potentially making them very much more affordable, while still protecting against major medical expenses." 

While still protecting against major medical expenses?? 

Yeah,right! At a government hospital maybe,but I seriously doubt it. 

[TallGuyJohninBKK]

25 minutes ago, Max69xl said:

 

While still protecting against major medical expenses?? 

Yeah,right! At a government hospital maybe,but I seriously doubt it. 

 

I have no idea what you're on about.... The Pacific Cross policies above cover against medical expenses up to 5 million or 10 million baht or more per incident, and include full OPD coverage within those limits. 

 

If I can reduce my annual premiums by 25% to 50% by accepting a 40K to 300K annual deductible, meet Immigration's O-A insurance requirement and still have multi-millions of medical coverage after the deductible, that seems a reasonable deal to me.

 

And one that protects against major medical expenses....as I said.

 

[Wake Up]

The health insurance requirement is only for obtaining an O-A nonimmigrant visa in your home country. Not for any extension of stay obtained in Thailand. So I don’t understand all the health insurance worries on TVF.  Am I mistaken as health insurance would not apply to the OP if he is getting an extension of stay? 

[TallGuyJohninBKK]

4 minutes ago, Wake Up said:

The health insurance requirement is only for obtaining an O-A nonimmigrant visa in your home country. Not for any extension of stay obtained in Thailand. So I don’t understand all the health insurance worries on TVF.  Am I mistaken as health insurance would not apply to the OP if he is getting an extension of stay? 

 

There have been quite a few reports here from members who have been told by their local Immigration officials that the new insurance requirement WILL be applied to them the next time they apply for a retirement extension of stay, if their most recent actual visa was an O-A, even if many years back.

 

Whether that's going to really be the truth or not remains a bit fuzzy for the time being. But there certainly have been enough reports from enough different Immigration offices to make it a legitimate concern.

 

[LivinLOS]

17 minutes ago, Wake Up said:

The health insurance requirement is only for obtaining an O-A nonimmigrant visa in your home country. Not for any extension of stay obtained in Thailand. So I don’t understand all the health insurance worries on TVF.  Am I mistaken as health insurance would not apply to the OP if he is getting an extension of stay? 

LOL.. Not been following this topic for the last week I guess. 

Extensions needed.. Arrival to the country needed.. Etc.. 

[Max69xl]

6 hours ago, TallGuyJohninBKK said:

 

I have no idea what you're on about.... The Pacific Cross policies above cover against medical expenses up to 5 million or 10 million baht or more per incident, and include full OPD coverage within those limits. 

 

If I can reduce my annual premiums by 25% to 50% by accepting a 40K to 300K annual deductible, meet Immigration's O-A insurance requirement and still have multi-millions of medical coverage after the deductible, that seems a reasonable deal to me.

 

And one that protects against major medical expenses....as I said.

 

"meet Immigration's O-A insurance requirement and still have multi-millions of medical coverage after the deductible"

Show me a thai insurance which still has "multi-millions" of medical coverage after the deductible. And for a reasonable price for a retiree. Showing fake policies to immigration hiding the deductible, is that the correct way to go? 

[TallGuyJohninBKK]

Just now, Max69xl said:

"meet Immigration's O-A insurance requirement and still have multi-millions of medical coverage after the deductible"

Show me a thai insurance which still has "multi-millions" of medical coverage after the deductible. And for a reasonable price for a retiree. Showing fake policies to immigration hiding the deductible, is that the correct way to go? 

 

Pacific Cross Maxima policy is one example. 5 million baht coverage per incident maximum. Includes full OPD coverage up to the maximum amount, if needed.

 

Annual deductible choices from 40K to 300K, with corresponding premium reductions of between 25% and 50% depending on the amount of the deductible chosen.

 

The deductible discounts would come off the rack premium rates shown in the chart below:

 

 

Thus with the maximum 300K annual deductible, a person age 61 to 65 could get that Maxima coverage for about 41,000 baht per year. A person age 66-70 could get that coverage for about 56,000 baht per year.  For folks in those age groups, those annual costs ARE pretty reasonable for legitimate health insurance.

 

There's nothing "fake" about the policies. Immigration is simply looking at the total coverage for IPD and OPD, and not other details. 

[Wake Up]

23 hours ago, LivinLOS said:

LOL.. Not been following this topic for the last week I guess. 

Extensions needed.. Arrival to the country needed.. Etc.. 

Thank you for your response. But what you carefully underlined does not require insurance for an extension of stay based on retirement even if you entered initially on an old O-A immigrant visa. The O-A visa has expired and now you are in the Kingdom based on an extension of stay for retirement not based on the O-A expired visa.
 

Have you heard reliable reports of CW requiring health insurance for extensions of stay based on retirement?

 

No question exists that the written portion of the text you underlined does not require health insurance except for issuance of an O-A non immigrant visa which can only be issued in your home country. 

[LivinLOS]

2 hours ago, Wake Up said:

 

Have you heard reliable reports of CW requiring health insurance for extensions of stay based on retirement?

 

Where have you been the last week.. 

 

Yes there are reliable reports all round the country, CW, the central helpline, and pretty much every district in the kingdom. 

 

[TallGuyJohninBKK]

3 hours ago, Wake Up said:

No question exists that the written portion of the text you underlined does not require health insurance except for issuance of an O-A non immigrant visa which can only be issued in your home country. 

 

You seem to be missing the topic heading up at the top of the page where the insurance requirement is explained for retirement extensions based on O-A visas.

 

 

[jacko45k]

On 11/7/2019 at 2:17 PM, TallGuyJohninBKK said:

 

Since the issue arose here of whether Pacific Cross policies for O-A certification purposes can have premium-reducing deductibles, Sheryl got clarification and posted in her "cheat sheet" thread that Pacific Cross had clarified to her that YES, deductibles are perfectly fine with their general public-Lifestyle series plans. And those are certified for O-A purposes.

 

Meaning Standard Extra, Premier, Maxima and Ultima series policies.

 

So, if someone HAS to obtain insurance under the new Immigration requirements and doesn't have any other better options, the annual deductible options Pacific Cross offers with their policies can reduce the annual premiums anywhere from 25% to 50%, potentially making them very much more affordable, while still protecting against major medical expenses.

 

That is perplexing. To qualify in the eyes of immigration there has to be included a 40,000 baht out-patient cover. If a policy has a 40,000 baht deductible, it surely no longer has 40,000 baht out patient cover? 

[ubonjoe]

7 hours ago, TallGuyJohninBKK said:

 

You seem to be missing the topic heading up at the top of the page where the insurance requirement is explained for retirement extensions based on O-A visas.

 

 

That really means nothing. It is only the title of the original police order that was modified to show the the OA visa requirements so they could enforce it on entry to the country.

[Expattaff1308]

On 11/6/2019 at 9:27 AM, ubonjoe said:

Did you enter the country using a OA visa and then do a extension of stay based upon retirement at immigration?

If yes and were asked to show insurance you could leave the country and then get a new entry from a non-o visa and then apply for a new extension of stay based upon retirement which would not require insurance.

 

If married could he not extend his OA on the basis of marriage instead of retirement thereby doing away with the need for Insurance? Is this allowable?

[roobaa01]

On 11/6/2019 at 9:46 PM, Max69xl said:

Which Pacific Cross insurance did cost 73k with 40k deductible when 66 years old? It's much smarter to skip the outpatient entirely and get 20% off and 0 deductible. Then pay cash for eventual OPD cost. 

thats what i did now i pay ipd 450.000 at 64 yrs thb 24 k pacific cross standard plus but im on extension of stay marriage out of original non-oa.

 

wbr

roobaa01

[ubonjoe]

17 minutes ago, Expattaff1308 said:

If married could he not extend his OA on the basis of marriage instead of retirement thereby doing away with the need for Insurance? Is this allowable?

It is possible since the rules only state you need a non immigrant visa to apply for the extension.

But some offices might refuse to the do extension based upon marriage with a OA visa entry.