Health Insurance for Thailand Retirement Visa (O-A, O-X) and LTR Visa｜Pacific Cross Health Insurance

This article is provided by Pacific Cross Health Insurance PCL, a health insurance company in Thailand.

For specific inquiries regarding Pacific Cross Health Insurance plans and health insurance costs, please direct your questions to the mail form at the bottom of this article.

You can also request a premium estimate online. Click here for the quotation request form.

Retirement Visa (O-A, O-X) and Health Insurance

Pacific Cross Health Insurance is the #1 ranked provider for OA/OX visas.

Whether you’re applying for the one-year Non-Immigrant O-A or the long-term Non-Immigrant O-X visa, meeting the mandatory health insurance requirement is essential. Pacific Cross Health Insurance offers comprehensive plans designed to fulfill these requirements, providing the security and peace of mind you need to enjoy your long stay in Thailand. Secure your future with a trusted insurance partner.

The requirements for the Thailand Retirement Visa (O-A, O-X) and health insurance are as follows.

Non-Immigrant Visa (O-A)

Please refer to the following page for the health insurance requirements necessary to obtain a Non-Immigrant O-A visa.（USD 100,000 or THB 3,000,000）

・THAI E-VISA OFFICIAL WEBSITE
・Thai General Insurance Association

Non-Immigrant Visa (O-X).

Please refer to the following page for the health insurance requirements necessary to obtain a Non-Immigrant O-X visa.（THB 400,000 inpatient & THB 40,000 outpatient）

・THAI E-VISA OFFICIAL WEBSITE
・Thai General Insurance Association

LTR Visa and Health Insurance

The Long-Term Resident (LTR) visa is designed for high-potential foreigners looking to relocate to Thailand for an extended period, offering a wealth of privileges not available under standard visas.

Key LTR Visa Privileges (10-Year Stay)

・Long-Term Security：A 10-year renewable visa, providing long-term stability and planning confidence.

・Work Flexibility：Permission to work in Thailand (Digital Work Permit) for High-Skilled Professionals and Work-from-Thailand Professionals.

・Immigration Fast-Track：Access to fast-track service lanes at international airports across Thailand.

・Extended Reporting：Exemption from the standard 90-day reporting to the Immigration Bureau; reporting is only required annually.

・Spouse and Dependents：Inclusion of spouses and dependents (up to 4 per main applicant).

Essential Health Insurance Requirements

・Minimum Coverage：Applicants must hold health insurance with a minimum coverage of USD 50,000 for medical expenses and hospitalization in Thailand.

・Policy Type：The required policy must be a specialized medical insurance plan; general travel insurance policies are not accepted.

・Financial Alternative：Applicants may substitute the insurance requirement by providing a bank deposit of at least USD 100,000 in a Thai bank, maintained for a minimum of 12 months.

・Existing Benefits：Coverage under Thai social security benefits can also be used to satisfy this requirement.

Please refer to the following page for the required documents when selecting health insurance for obtaining an LTR visa.
・LTR-List of required documents

Secure Your Visa with a Trusted Partner

BOI Health Coverage： As an officially listed partner for the Long-Term Resident (LTR) visa program, Pacific Cross Health Insurance is a trusted name, ensuring a seamless and secure health coverage process from start to finish. Our status as a BOI-listed insurance provider means your policy is guaranteed to meet all official requirements, removing the stress and uncertainty from your visa application. Choose a company that is not only approved and endorsed by the authorities but is also dedicated to helping you secure your future in Thailand with complete confidence. BOI Data Center Link

Pacific Cross Health Insurance Plan Overview

Pacific Cross Health Insurance offers several insurance plans, but from the perspective of meeting long-term visa requirements, the “Premier Plus” plan or a higher-tier medical insurance plan is recommended.

The Premier Plus plan, in particular, meets all the necessary requirements, making the visa application process smooth, and is chosen by a large number of people.

Premier Plus

Premier Plus is particularly popular among those seeking long-term stay visas (e.g., OA, OX, LTR visas).

Below is a list of other plans, besides Premier Plus, that also meet the essential requirements for the visa.

Maxima｜Maxima Plus

These are the most popular plans among expatriates in Thailand insured with Pacific Cross Health Insurance. They offer comprehensive coverage at affordable premiums.

Ultima｜Ultima Plus

These plans include coverage for higher-priced hospital rooms and incorporate dental care and eye examinations as part of the basic policy. They are also suitable for travel to regions with high medical costs, such as North America, EU countries, Hong Kong, Japan, and Singapore.

Expat Care

This is a newly introduced plan in 2024. It provides coverage considering pre-existing medical conditions, with specified annual limits for such conditions. Certain terms, such as waiting periods, apply.

For more details regarding an overview of Pacific Cross Health Insurance, please refer to the article below.

Cases Where Insurance Claims May Be Rejected

In Thailand, claims may be rejected in accordance with the policy wording. For details, please refer to the each insurance company’s policy terms and conditions.

Caution*  Thailand residents should only purchase health insurance products that are licensed by the Office of Insurance Commission in Thailand. Customers of non-compliant insurers have no recourse to the local regulator in the event of dispute or bankruptcy.

Pre-existing Conditions and Medical History Prior to Insurance Enrollment

＜Investigations by Hospitals or Insurance Companies＞
If a hospital or insurance company suspects that a policyholder’s treatment is not for a general illness but rather a recurrence of a pre-existing or chronic condition, or if a claim is filed shortly after the policy is purchased, they may investigate the policyholder’s medical records and history.

If the investigation finds no related medical history, the claim will be approved. However, if undisclosed pre-existing conditions or chronic illnesses are discovered, the insurance company may deny the claim, add exclusions to the policy, or, depending on the circumstances, even cancel the insurance contract.

It is important to fully disclose your medical history when applying for health insurance coverage in Thailand. Any concealment or misrepresentation of the truth may result in the Insurance contract becoming void and/or refusal to compensate under Clause 865 of the Civil and Commercial Code, resulting in the cancellation of the policy.

Receiving examinations or treatments during the 30-day or 120-day waiting periods, or if related symptoms are discovered during these periods

＜Standard Waiting Periods in Thai Insurance Companies＞
・For general illnesses：A 30-day waiting period applies from the policy start date, during which no insurance coverage is provided.
・For specific conditions：A 120-day waiting period applies from the policy start date for the following conditions, during which no insurance coverage is provided:
Tumors, warts, lumps, cancer, hemorrhoids, hernias, cataracts, tonsillitis, stones, varicose veins, endometriosis.
※Note：Conditions newly diagnosed during the waiting period will not be covered even after the waiting period ends.
・For COVID-19：The waiting period is 15 days.
・For injuries or accidents：No waiting period applies; coverage is immediate.

Treatments based on personal preferences or choices rather than medically necessary treatments recommended by a doctor (non-standard treatments)

＜Examples＞
・Experimental treatment in physiotherapy treatment.
・Undergoing tests based on personal preference when a doctor deems them unnecessary.

Other Exclusions

・AIDS, sexually transmitted diseases (STDs), or sexually transmitted infections (STIs).
・Use of drugs or substances to delay aging or degeneration.
・Hormone replacement therapy for early menopause or menopause.
・Female or male sexual dysfunction.
・Gender Affirmation Surgery.
・Dangerous sports.
・Accidents involving cars or motorcycles if the driver was unlicensed or under the influence of alcohol.

Ways to Reduce Medical Costs

While not limited to Thailand, it is advisable to carefully consider whether health insurance is truly necessary and, if so, which plan is most suitable before proceeding with enrollment.

Reduce the Risk of Illness and Injury

It is important to consciously avoid risks in daily life, such as engaging in moderate exercise and reducing the use of motorcycle taxis. While it may seem obvious, striving to prevent medical expenses and treatments altogether is also crucial.

Utilize Clinics and Pharmacies

At pharmacies in Thailand, pharmacists prescribe medications based on your symptoms.
Depending on the condition, they may also refer you to a hospital or clinic, so it may be a good idea to first visit a pharmacy and describe your symptoms.

Cover Only High-Cost Treatments with Insurance

Attempting to cover everything with insurance will inevitably lead to higher premiums. For example, if you are generally healthy and rarely visit doctors, consider opting for a plan that excludes outpatient care but covers high-cost treatments such as surgeries and hospitalizations.

The cost of health insurance varies depending on the insurance company, coverage details, age, and family structure. For families enrolling together, lifetime expenses can sometimes be substantial.
Since health insurance is non-refundable, it is essential to carefully evaluate whether it is truly necessary and, if so, which plan best suits your needs.

Company Profile

Pacific Cross Health Insurance PCL

Name of company	Pacific Cross Health Insurance PCL
Address	No.3 Rajanakarn Building, 16th Floor, Zone BC, South Sathorn Road, Yannawa, Sathorn, Bangkok 10120
Person in charge	Passathorn Rungruanglit（ART）
WEB	https://www.pacificcrosshealth.com

Location

Pacific Cross Health Insurance Inquiry Desk

Contact

Contact information from this form will be sent to Pacific Cross Health Insurance PCL.

Contact Person：Passathorn Rungruanglit (Art)
※When requesting a quote, please be sure to include your current age.
You can also request a premium estimate online. Click here for the quotation request form.
※You can request a quote by filling out the required information on the form on the above page and clicking “Request Quote”.