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Need insurance for your Thai visa? Learn which plans meet Thai government requirements in 2025, how much they cost, and where to buy trusted policies online.
🇹🇭 Is Insurance Required for a Thai Visa?
🇹🇭 Is Insurance Required for a Thai Visa?
Yes — as of 2025, many Thai long-stay visas require valid health insurance. This includes:
Visa Type
Insurance Required?
Notes
Tourist Visa (TR)
❌ Optional
But highly recommended
Retirement Visa (O-A, O-X)
✅ Mandatory
Must meet Thai Ministry of Public Health (MOPH) guidelines
Education Visa (ED)
❌ Optional
Some schools may require proof
Work Permit & Business Visa (B)
✅ Usually required by employers
Elite Visa
✅ Included in package
Varies by membership tier
Smart Visa
✅ Required
Minimum coverage applies
🛂 Important: For O-A and O-X visas, you must have inpatient (IPD) coverage ≥ 400,000 THB and outpatient (OPD) ≥ 40,000 THB.
🏥 What Should Your Insurance Cover?
🏥 What Should Your Insurance Cover?
To comply with Thai visa rules, your insurance should include:
Medical expenses (IPD/OPD as above)
COVID-19 coverage (required for some visa renewals)
Emergency evacuation & repatriation
No hidden exclusions for people over 60 or with pre-existing conditions (esp. for O-A)
Some embassies and Thai Immigration may request a certificate from an approved insurer in Thailand or abroad.
💳 Where to Buy Visa-Compliant Insurance?
💳 Where to Buy Visa-Compliant Insurance?
✅ Thai Insurance Providers (MOPH-Approved)
✅ Thai Insurance Providers (MOPH-Approved)
These companies issue insurance certificates accepted by Immigration:
Company
Known For
Online Purchase
Luma Health
Popular for O-A/O-X
✅
Pacific Cross
Long-stay expat plans
✅
AXA Thailand
Budget-friendly options
✅
Aetna Thailand
Global brand
✅
Thai Health Insurance
Local plans, cheaper
✅
📌 Affiliate Tip: You can promote these through insurance affiliate networks like TUNE Protect, Luma Affiliates, and WorldTrips.
🌐 International Insurers
🌐 International Insurers
Some global expat-friendly insurers (especially for digital nomads or Smart Visa holders):
SafetyWing – covers long-term travelers, monthly billing
Cigna Global – full expat packages, customizable
IMG Global – supports emergency evacuation and visa letters
World Nomads – ideal for shorter stays and adventure travel
✈️ Some providers offer “visa letter download” feature for Thai embassies.
📂 How to Apply (Step-by-Step)
📂 How to Apply (Step-by-Step)
Choose a plan that meets your visa type and age group.
Apply via official website or verified agent.
Submit passport scan, visa type, and Thai address (if available).
Pay online – most accept credit card, PayPal, or Wise.
Download insurance certificate (usually issued in 24–48 hours).
Attach it to your visa application or 90-day report as needed.
Getting visa-compliant insurance doesn’t have to be stressful. Whether you're retiring, working, or studying in Thailand, having the right policy not only fulfills legal requirements but also protects your health and wallet.
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