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O-A Visa insurance for elderly - 75-80 years old

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What's the procedure for someone older than 75 but not quite 80 yet?

Specifically regarding the insurance - based on things I've read on the past for someone taking out a new policy over the age of 75 there may be all sorts of roadblocks and it could either be declined or incredibly expensive due to pre-existing and in fact current health issues.

So what's the procedure to get the insurance required for the O-A visa here when someone is like 78 or 79 years old ?

Do they want to do a medical?

Do they want to see medical records?

Do they want a Doctors statement from the home country (Western nation) on the health of the person to be insured?

We are talking about people with various pre-existing conditions who simply want to visit a few times a year for a few months at a time - but due to the recent changes limiting visa free entries they have got caught up in the trap as I'm sure many have.
 

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18 minutes ago, ukrules said:

We are talking about people with various pre-existing conditions who simply want to visit a few times a year for a few months at a time - but due to the recent changes limiting visa free entries they have got caught up in the trap as I'm sure many have.

Simple answer is at that age and likely existing medical conditions you do not opt for a Non O-A. 

A non O retirement does not require health insurance. 

At that age I would also consider use of an agent. 

1. To avoid funds tied up in bank account

2. Mobility and other health issues. 

14 hours ago, DrJack54 said:

At that age I would also consider use of an agent

A 80+ yr old friend in Jomtien was told something like 10000 Baht for the insurance.

Must be some pro forma / extreme deductible accepted by immigration.

Have a look here, some only cover to age 80    https://longstay.tgia.org/

most you have to contact for quote, when i gave mine up 2 years ago i was paying 36 000 baht with a large deductable, and no one will cover pre existing condidtions

 

I would avoid this type of visa, how about the DTV SOFT POWER  VISA, or the Non o retirement

 

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For the OP ...

 

Some years back  when on a type-0A, I applied for Thai Health Insurance ( as my superior European insurance was not accepted by Thai immigration). The Thai health insurance company I applied to wanted a medical. I sent them my medical results ( I go for a medical every year as my superior European health insurance covers such medicals). But in Thailand hospitals,  in the medicals report results,  the Thai doctors typically recommend a number of unnecessary followup checks,  to be done months later, .. checks that are medically unnecessary but make more $$ for the private hospital.   While my European insurance pays for such later tests , I never go for such as its a pia and more importantly a 2nd informal opinion from my Thai nephew and niece ( both are Thai  doctors) , after reviewing my medical report , advised me was such extra tests were unnecessary. They both know private hospital doctors are pressured by hospital management to recommend unnecessary tests that cost more $$ to the private foreign patient who is perceived wealthy.

But because I didn’t do extra tests the Thai health insurance company ( which I applied to for my type OA insurance) inserted a caveat in my Thai health insurance that I had a precondition they wouldn't cover. Still, with that caveat I was insured by the Thai insurance and Phuket immigration accepted the insurance coverage despite that precondition caveat.

That was years ago. I don't know if true today. If you are healthy enough to leave Thailand,  kill off Type-OA by leaving Thailand , reenter visa exempt and apply for a Type-O ( per DrJack54 suggestion) .  That approach makes a massive amount of sense to me.

If you have a Thai wife then perhaps get your extension on Type OA for reason of marriage ( instead of retirement). No health insurance needed in the marriage extension case ( at least it used to be that way).

Good luck.

8 minutes ago, oldcpu said:

If you have a Thai wife then perhaps get your extension on Type OA for reason of marriage ( instead of retirement). No health insurance needed in the marriage extension case ( at least it used to be that way).

For the initial Non O-A application insurance would be required and insurance for another year also required if a 12 month stamp was obtained just prior to expiry of the Non O-A visa (by exit and reenter) 

In addition for the very first extension (3rd year) immigration should make you do the first extension based on retirement. 

So in all not good option for the 80yr old with pre existing medical issues. 

 

Note that for others with an initial Non O-A that extensions based on marriage do not require insurance. 

20 hours ago, KhunBENQ said:

A 80+ yr old friend in Jomtien was told something like 10000 Baht for the insurance.

Must be some pro forma / extreme deductible accepted by immigration.

No Thai insurance company will start a new policy for someone who us over 75 that would be accepted by immigration. You would have to use an insurance policy from your home country that would be accepted by immigration at time of application. 

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In this case, any kind of examination of current health and / or pre existing conditions with proof from home Doctors would result in no health insurance from any sane insurance company anywhere in the world. This visa isn't appropriate, I agree fully.

3 hours ago, flexomike said:

No Thai insurance company will start a new policy for someone who us over 75 that would be accepted by immigration.

LMG has a policy tailored for OA visa holders. No medical exam required. Can apply up to age 80 -- and renew 'til age 100. High deductible, so basically you're self insuring, but having the policy does meet Immigration's OA policy.

https://www.lmginsurance.co.th/en/long-stay-visa-plus-premium-plan-100000-usd

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21 hours ago, JimGant said:

LMG has a policy tailored for OA visa holders. No medical exam required. Can apply up to age 80 -- and renew 'til age 100. High deductible, so basically you're self insuring, but having the policy does meet Immigration's OA policy.

https://www.lmginsurance.co.th/en/long-stay-visa-plus-premium-plan-100000-usd

Interesting, will look at it - could make it viable.

Last year had been in Thailand on the OA Retirement for 15 years.

Immigration would not accept my medical insurance.

Last year I crossed over into Cambodia without a re entry permit.

I came back into Thailand on a 30 day entry and went through the process to apply for a Non o Retirement.

It was successful and now on the Non O Retirement.

3 hours ago, ukrules said:

Interesting, will look at it - could make it viable.

If you are unable to obtain/refused Health Insurance due to age, Immigration will accept a letter from an Insurer stating such to issue an extension.

As you age, you become a higher risk for submitting a claim, hence the premium hikes.

 

There may come a point whereas already advised, it's in your interest to kill off the permission of stay from an 0-A visa by exiting Thailand without a reentry permit and apply for the Non 0 in Vientiane/Savannahket. You can then apply directly for the 1-year extension again without any compulsory Insurance requirement, OR, if married to a Thai, change the reason of the extension application from retirement to Thai spouse.

On 12/1/2025 at 4:50 PM, DrJack54 said:

Simple answer is at that age and likely existing medical conditions you do not opt for a Non O-A. 

A non O retirement does not require health insurance. 

At that age I would also consider use of an agent. 

1. To avoid funds tied up in bank account

2. Mobility and other health issues. 

At 84 no chance of insurance. Family have agreed no hospitalisation when I eventually begin to expire. If needed they have access to strong pain killers. To date I've never used an agent even when posted to Thailand years ago by a multi-national. Having said all that, so far so good. 

4 hours ago, Mises said:

LMG have a cheaper policy, THB22,700

https://www.lmginsurance.co.th/en/long-stay-visa-plus

 

 

I don't need insurance for my old bloke visa, but I had a look anyway.

 

Age 69, premium 20,800, baht a year. (level 2)

 

But a year later will jump to THB 31,200

 

Total cover per year is 500k baht.

 

But we have to pay the first 100k of any claim meaning we pay for any minor claim which I would be doing now if I went to a hospital.

 

So we are covered for 400k per year after that.

 

We may just as well not have any insurance and pay as we go?

 

What do most people think about such insurance at the figure above?

 

I have access to £100k, emergency get me home to the UK available at any one time so that is part of my survival plan.

 

 

On 12/2/2025 at 12:52 AM, KhunBENQ said:

A 80+ yr old friend in Jomtien was told something like 10000 Baht for the insurance.

Must be some pro forma / extreme deductible accepted by immigration.

10,000 baht for how long? 

9 hours ago, DrJack54 said:

Fake insurance. Not suitable for OP friend situation

Quite obvious.

The agent route.

57 minutes ago, DrJack54 said:

If the OP friend was to use agent then a Non O-A would be ridiculous when he can just have a Non O 

The OP has already ruled out Non O-A

I misunderstood the OP completely.

So old fellow is in his home country and wants to apply for a visa .

Sure: avoid Non O-A whenever possible.

My remark is about extension.

7 hours ago, KhunBENQ said:

So old fellow is in his home country and wants to apply for a visa .

Yes. 

Previous MO was to visit Thailand using visa exempt entries. 

Now concerned with "rule changes" 

He could obtain a Non O eVisa retirement. 

Enter with that and open bank account. 

Next (IMO) deal with  agent for extensions, reentry permit etc. 

Better option than visa exempt entries in current climate. 

 

FWIW: Even if I didn't live in Thailand and just visited often, I would go the Non O + annual extension route. 

 

 

 

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