Denied Health Insurance for O-A

[hml367]

Has anyone had experience with this?  I thought I saw a thread on this, but now I cannot find it.

 

6.3 In the event that the insurance company refuses to purchase all or part of the health insurance
Must have a deposit balance in a commercial bank account located in Thailand for not less than 3,000,000 baht
before applying for at least 2 months or have a deposit in a commercial bank account located in Thailand
and other health insurance limits are not calculated together. Less than 3,000,000 baht for medical treatment
There must be proof of refusal to purchase health insurance certified by the insurance company.
or certified by a foreign embassy in Thailand or certifying the signature of the person authorized
to sign the documents presented (Notary) from the Ministry of Foreign Affairs of the applicant, as the case may be.

[ubonjoe]

I have not seen any post about that specific part of the immigration order.

You would not be denied by a insurance company unless you have some preexisting conditions that they would not insure.

[Crossy]

I'm sure I saw something about them adding the ability to self-insure (which is what I think this section is about) if you can't get the required health insurance.

 

[howerde]

It mentions it here in this police order. section 6.3, dated dec 2021

https://www.immigration.go.th/wp-content/uploads/2022/02/RTP-Order-No.654-2564.pdf

[pablo el sueco]

I posted my experience on page 2 of the topic entitled "Latest requirements to extend Non-OA visa".  Here is a link to my post --

 

[Jen65]

The requirement to obtain a certified letter showing the refusal of an Insurance Company seems to be a bit "one sided" in favour of the  Insurance companies .    An Insurance Company can take into account pre-existing conditions or it may be that the insured has received a large payout under his/her current policy and the Insurance Company no longer wish to insure the ember so they Wack up the premium due to an exorbitant level .   The insurance company then don't have to say they refused insurance as it then puts the burden on the applicant to accept or reject an exorbitant premium and in most cases such premium cannot be afforded by the applicant/member.

Premiums paid whether reasonable or exhorbitant go in the Insurers pocket and are non refundable / lost capital if unused .     

Why can the authorities / Immigration not just accept the permanent deposit in a Thai Bank of say 2 or 3M baht for medical insurance purposes ?? They can set a minimum  !!   At least the money remains yours to be kept, moved on or left to heirs if unused .     

This issue seems like a bit of a rip-off  for O-A visa holders who , in all due respect , are trying to help the Thai social security / hospitals/ medical system by HAVING  adequate due medical care funds  to pay Hospital bills unlike those on "O"  visas .   

If I get to the situation of refusal of continued medical insurance OR unreasonable /exhorbitant premiums , it will force me down the route of exiting the country and returning to obtain an "O"  visa , which realistically is not in the governments/immigration/Thailands  interest .   

    

[JimGant]

2 hours ago, Jen65 said:

Why can the authorities / Immigration not just accept the permanent deposit in a Thai Bank of say 2 or 3M baht for medical insurance purposes ??

Or, adopt what the new BoI LTR visa has as an option, namely, $100k in your home country bank account, i.e., no need to bring that money to Thailand for self-insurance purposes. And no need to show proof of insurance denial to use this self-insure option.

 

BoI's approach is rational, namely, self-insurance requirements are purely to protect Thailand from dead beats. Unlike with Police and Insurance Mafia requirements, that force buying a Thai issued insurance policy; but if somehow you can't, then you must park your money in a Thai financial institution. Either way, the emphasis is NOT on precluding health dead beats -- but on making sure the foreigner pads the wallets of self-promoting Thai entities.

 

But, this is Thailand -- and Asia -- land of individual 'rice bowls.' You're not going to merge rice bowls in the interest of efficiency and fairness -- not if one or more of those rice bowls get broken.

[Deerculler]

4 hours ago, Jen65 said:

The requirement to obtain a certified letter showing the refusal of an Insurance Company seems to be a bit "one sided" in favour of the  Insurance companies .    An Insurance Company can take into account pre-existing conditions or it may be that the insured has received a large payout under his/her current policy and the Insurance Company no longer wish to insure the ember so they Wack up the premium due to an exorbitant level .   The insurance company then don't have to say they refused insurance as it then puts the burden on the applicant to accept or reject an exorbitant premium and in most cases such premium cannot be afforded by the applicant/member.

Premiums paid whether reasonable or exhorbitant go in the Insurers pocket and are non refundable / lost capital if unused .     

Why can the authorities / Immigration not just accept the permanent deposit in a Thai Bank of say 2 or 3M baht for medical insurance purposes ?? They can set a minimum  !!   At least the money remains yours to be kept, moved on or left to heirs if unused .     

This issue seems like a bit of a rip-off  for O-A visa holders who , in all due respect , are trying to help the Thai social security / hospitals/ medical system by HAVING  adequate due medical care funds  to pay Hospital bills unlike those on "O"  visas .   

If I get to the situation of refusal of continued medical insurance OR unreasonable /exhorbitant premiums , it will force me down the route of exiting the country and returning to obtain an "O"  visa , which realistically is not in the governments/immigration/Thailands  interest .   

    

Next year I am seriously thinking of leaving the country and return on a O Visa.

That way I can have my own insurance.

[Jonathan Swift]

1 hour ago, Deerculler said:

Next year I am seriously thinking of leaving the country and return on a O Visa.

That way I can have my own insurance.

I didn't know they were still issuing the O. I got it about 4 years ago, but I don't know why I got it rather than the OA

[Jen65]

On 12/1/2022 at 5:25 PM, Jonathan Swift said:

I didn't know they were still issuing the O. I got it about 4 years ago, but I don't know why I got it rather than the OA

You got a visa and you don't know why you got an O rather than O-A  ?????   Your lack of knowledge is astonishing 

[Jen65]

On 12/1/2022 at 3:45 PM, Deerculler said:

Next year I am seriously thinking of leaving the country and return on a O Visa.

That way I can have my own insurance.

Join the club !!!

[JimTripper]

Is this for an O-A extension?

You need the 3 million in a thai bank anyhow for an extension so keep shopping for insurance until you find it, or not.

[OJAS]

8 hours ago, Jen65 said:

You got a visa and you don't know why you got an O rather than O-A  ?????   Your lack of knowledge is astonishing 

But I bet that @Jonathan Swift is now mighty relieved that he did!

 

[OJAS]

On 12/1/2022 at 8:09 AM, howerde said:

It mentions it here in this police order. section 6.3, dated dec 2021

https://www.immigration.go.th/wp-content/uploads/2022/02/RTP-Order-No.654-2564.pdf

@ubonjoe or @Maestro - might be worth adding this Police Order to the pinned Laws, regulations, Police Orders, etc thread??

 

[ubonjoe]

6 minutes ago, OJAS said:

@ubonjoe or @Maestro - might be worth adding this Police Order to the pinned Laws, regulations, Police Orders, etc thread??

 

It is already there.

[Jen65]

On 12/7/2022 at 8:19 AM, OJAS said:

@ubonjoe or @Maestro - might be worth adding this Police Order to the pinned Laws, regulations, Police Orders, etc thread??

 

Thank you for that .  So 3M baht total if using Thai bank/Medical Insurance Policies  OR certified foreign insurance . Good to know that Thai Insurance Companies do not have a monopoly on the medical insurance requirements .