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BANGKOK 21 June 2019 06:27
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Mandatory health insurance for foreigners aged over 50 in Thailand - why it may not affect you

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6 hours ago, Cranky said:

It is crystal clear that anyone, any age, anywhere on the planet should have adequate health and accident insurance at home, on holiday or if they live or are outside of a country like the UK that has a NHS.  Why should someone else be expected to foot the bill if you get sick, crash your rental motorbike (regardless of fault) or get banged on the head by a ladyboy out to nick your wallet (regardless of fault). 

 

What is it with people that think they are bullet-proof as soon as they board a plane?

 

And if they're fit and have sufficient money in the bank to self insure because they don't want to throw their hard earned money at the insurance industry to subsidise the couch potatoes who're in and out of hospital like yoyos because of their lifestyle and the tourists with no insurance falling off uninsured motorbikes.  Good value for them I must admit.

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She said that once the rule is implemented, applicants for the non-immigrant O-A visa, which is valid for one year from the date of issue, would be required to buy health insurance. 

 

“Current holders of this visa will have to produce proof of their health insurance for visa renewal,” she said. 

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30 minutes ago, jesimps said:

And if they're fit and have sufficient money in the bank to self insure because they don't want to throw their hard earned money at the insurance industry to subsidise the couch potatoes who're in and out of hospital like yoyos because of their lifestyle and the tourists with no insurance falling off uninsured motorbikes.  Good value for them I must admit.

how will that guy guarantee to the thai immigration that he in fact has the money in the bank and that it will be there at a moments notice if required?

 

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Posted (edited)

On second thought, perhaps the reason that insurance is required ONLY on the Non O-A is that the the extensions of permission to stay all require a bank deposit of at least 400,000 baht at all times and this is self insurance??

 

Edited by AYJAYDEE
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3 hours ago, Andrew Dwyer said:

Ian, your OA visa will have a date of issue and a enter before/valid until date on it ( 1 year minus 1 day from date of issue ).

Your OA expires on the enter before/valid until date but if you leave the country you will notice you get an admitted until stamp valid for one year. So, if you leave the country and re enter slightly before your visa expires you can obtain nearly 2 years from the visa ( i got 23 months from mine ), a simple land crossing is all that is needed.

 

NOTE: you will need a re-entry permit for any travel outside of Thailand after your visa expires.

 

The 1st year you are using your Multi entry OA visa, the second year you are on permission to stay which you then extend at the end of the 2nd year and every year thereafter.( or return “ home “ for another every 2 years ).

The Thai financial requirements will start when you extend after 2 years, hence the advantage of the OA is good for 2 years without any money tied up in Thailand.

 

The health insurance is required for obtaining the OA so if you already have one you should be good to go, although it’s all a little vague at the moment.

Thanks very much Andrew. Again, very helpful.

Geez all these hoops. If it wasn’t for people such as you, Peter and Ubonjoe etc the rest of us would be totally lost. I did not know or could not find any of this information on the Thai Australian embassy website.

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Of course nothing is mentioned about exactly what type of insurance will be required.  For example, a USA citizen has fine Medicare insurance.  Now that is basically only good for treatment in the USA and won't cover a person in Thailand.  Will that be accepted when applying?  

 

  Lets assume the intent is to have medical insurance that is actually usable in Thailand.  How would a foreigner buy, say Bupa while still in their home country?  Doesn't Bupa want a Thai address?  The foreigner would not know such details yet, would not have any mail setup in Thailand yet, etc.

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42 minutes ago, AYJAYDEE said:

On second thought, perhaps the reason that insurance is required ONLY on the Non O-A is that the the extensions of permission to stay all require a bank deposit of at least 400,000 baht at all times and this is self insurance??

Except there are still many here with a Letter of Income/Affidavit still issued by their embassy/Consulate, with no money on a bank account(if they not wish to) 

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9 minutes ago, MikeN said:

LOL ....where do they get their figures from :

 

2018

 

Non-immigrant (O-A) visa holders: 38 million 

Number of medical visits by them: 3.42 million

Number of unpaid medical bills: 680,000

Number of long-stay expats seeking medical services: 80,950

Outstanding debt: Bt305 million

 

38 million O-A visa holders ? 3.42 million medical visits by them ?

no way ! 

 

Ha! Doesn't that mean that retired farangs are the majority of people in Thailand, since they got about 70M? Time to announce this country ours! 😂

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9 minutes ago, luckyluke said:

Except there are still many here with a Letter of Income/Affidavit still issued by their embassy/Consulate, with no money on a bank account(if they not wish to) 

so much  for THAT theory! lol. I cant believe they wont require insurance for every category at some point

 

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Not sure what the fuss is about. Anyone entering Thailand should obtain mandatory insurance, whether you're a tourist or long stay visitor. It's very simple, and in line with most other countries.

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6 hours ago, ianezy0 said:

I am so confused. I obtained my OA VISA in Australia last year. So, according to the ruling, I need to have the health insurance. Yet part of the requirement for the VISA was to have a deposit of 800k in a Thai bank AC, which I had.

so, do I also have to keep the 800k in the bank for 2 month prior and 3 month after, then 400k after that?

Also, when I come to renew the VISA, am I ok to do this at the IO in Thailand?

I too have a Non Immigrant O-A VISA, but I'm from the USA. However, there was no requirement to have the money on deposit in a bank in Thailand. I had the option to have the money in my home bank in the USA, or show the equivalent of 65K per month income from a pension going into my USA bank account.  I think if you look closely and perhaps ask, the same rule applies to Australia or the UK.  And yes, you can apply for an extension of stay, but then you're in Thailand and the money or monthly income must be deposited in a Thai bank--which means then you are subject to the seasoning requirements. Or, you can return to your home country and "renew" your VISA...which then means you will be subject to the insurance requirement when that comes into force, but still be able to have your funds sourced/deposited in your home country bank account.

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6 hours ago, KhunFred said:

I would just like to know if Medicare is considered adequate cover. I would have to fly home, but I am already paying for it.

Medicare does not provide coverage in Thailand...US or US territories only (if a facility is available), like in Guam.

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Next Insurance will be for Motorcyclists, of all ages, 20,000+ die each year, I'm sure that would keep all the Silly Buggers off the roads...............................NOT!    I'm sad to say after my quite a number of years here, and loving it, appears to be coming to an end. 😞   My Thai wife, for more than 7 years, told me she would want to come 'Home' and live with me.   Obviously many Western Countries are abut to have an influx of Thai women.   Hopefully the Roads there will be a lot better than they are here.   Thai population 67M road deaths conservative estimate 30,000, and that's not counting the ones who die in Hospital, as they didn't die on the Road, another one of those 'beautiful' Thai logic's.   Australia 24M Road Deaths, both on and in a Hospital less than 1,300.   Oh Thailand, "Please, Please wake up and save yourselves."    I agree that they've got my money so they don't need me anymore.  Que Sera, Sera, Whatever will be, will be, The Future was not ours, to see... 😞  Good Luck And Goodbye from me.

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