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BANGKOK 17 July 2019 09:25
snoop1130

Mandatory health insurance for non-immigrant O-A retirement visa holders likely to take effect in July

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Posted (edited)

This has been on my mind ever since i first read about it. Having lived in Thailand for the past 12 years and during that time , made 3 hospital visits, i just cannot imagine how anybody can leave a hospital without paying the bill. I think that it is impossible !  However having deeply thought about it,  the fact that corruption in Thailand is rife just about everywhere i am asking the question. Perhaps those bills were all paid but pocketed and recorded as "Unpaid"   In this light i suggest that all these so called unpaid bills are seriously investigated one by one with some authority. It is not at all difficult to find the reported non payer as we all have to do 90 day reporting.  Just a thought.

Edited by Huckenfell
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Posted (edited)
On 5/18/2019 at 7:43 AM, brewsterbudgen said:

If you are on an Extension of Stay based on retirement it won't affect you, as currently they are only talking about OA visas, and OX visas which have had the insurance requirement for some time.

Sent from my SM-G930F using Thailand Forum - Thaivisa mobile app
 

I use O-A Retirement visa

Edited by Huckenfell

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On 5/18/2019 at 7:58 AM, Andrew Dwyer said:


Unfortunately Huckenfell gets a new OA from OZ every 2 years so without a doubt is affected by this new rule.
Of course he can get an extension by depositing or transfers to a Thai bank account, which I presume he has been avoiding, hence getting a new OA.
The loophole which the OA provided has been sussed !!

Options now are, pay the mandatory health insurance ( if possible ) or extend and deal with the financial requirements.
I don’t believe mandatory health insurance is required for extensions............yet !!

At 83 years of age, where can i get insurance ?

 

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At 83 years of age, where can i get insurance ?
 

Wish i had an answer for you, but I don’t.

Another option for you is to do an extension based on retirement, of course there’s the financial requirements to fulfill but I don’t see any other options.

You’re currently on an OA right ?, are you on the 1st year ( i.e. before its expiry date ) of it or have you left the country and are on the 2nd year permission to stay ?

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On 5/19/2019 at 5:51 PM, jaffas21 said:

Can someone tell me how this applies to teachers generally our insurance is with a designated hospital but the amounts of actual insurance are so low in some cases you have to pay it all yourself and then of course. If you don't have the money what happens then.  i reckon the government just figures we are all covered but frankly its rubbish my outpatients cover is 800 baht a day so i had to spend 3000 baht myself on anti biotics ... its frankly a waste of time

 

On 5/19/2019 at 5:51 PM, jaffas21 said:

Can someone tell me how this applies to teachers generally our insurance is with a designated hospital but the amounts of actual insurance are so low in some cases you have to pay it all yourself and then of course. If you don't have the money what happens then.  i reckon the government just figures we are all covered but frankly its rubbish my outpatients cover is 800 baht a day so i had to spend 3000 baht myself on anti biotics ... its frankly a waste of time

Teachers are not repeat not on O-A visas. So it does not affect them.

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On 5/20/2019 at 7:42 AM, brianthainess said:

Absolutely when i was wrongly diagnosed with bowel cancer i was asked for a deposit of 30,000 baht  wifey got it down to 10,000 incase i died on the table the next morning. Next morning i was told its O K you only have an intestine infection. Thanks Trat government hospital for really good treatment and returning unspent deposit.   These Stats are complete B S.  In a country rife with corruption something stinks 🤔. 38 million my ass 

See my post. Yes something Stinks !

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15 hours ago, Andrew Dwyer said:


That error was cleared up, the 38 million were actual visitors in 2018, number of OA visa holders in 2018 was 80,950 .

 

14 hours ago, FredGallaher said:

Is ThaiVisa in the health insurance market (ThaiVisa Protect)? I just want to know.

 

14 hours ago, FredGallaher said:

Is ThaiVisa in the health insurance market (ThaiVisa Protect)? I just want to know.

 

15 hours ago, Andrew Dwyer said:


That error was cleared up, the 38 million were actual visitors in 2018, number of OA visa holders in 2018 was 80,950 .

But they claim that of that  80,950  there are 42.2 visits to hospital each year. And that each patient leaves 8.2 bills unpaid. ? All this and we have to report every 90 days. Something wrong here. 

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36 minutes ago, Andrew Dwyer said:


Wish i had an answer for you, but I don’t.

Another option for you is to do an extension based on retirement, of course there’s the financial requirements to fulfill but I don’t see any other options.

You’re currently on an OA right ?, are you on the 1st year ( i.e. before its expiry date ) of it or have you left the country and are on the 2nd year permission to stay ?

This visa started in January 2019.

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This visa started in January 2019.
If the insurance requirement is confirmed for O-A visas it will only affect you when you apply for your next one. As you know, you can get 2 years out of the visa you got in January. Who knows what the situation will be in 2021! If you're living in Thailand permanently, the O-A visa is not really the best option especially if it is going to require insurance; you've got lots of time to check out alternatives.

Sent from my SM-G930F using Thailand Forum - Thaivisa mobile app

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This visa started in January 2019.

As Brewster has stated you have plenty of time to look at your options.
At your age, in almost 2 years , health insurance will be extremely expensive if to be found at all.
Going to retirement extensions seems like the better option, of course nobody knows what the future will bring, worrying times for many of us !!
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On 5/16/2019 at 4:28 PM, DUNROAMIN said:

Would somebody like to explain to me what a long stay O-A visa is??

12 month visa for retirees over 50 with unlimited entries and if one leaves just before it expires and returns one will get stamped in for a further 12 months. This visa can only be got in the country of passport origin. Funds of 800.000 must be proven. I think that this is all correct,i have been using it for some year now. I usually pop down to KL for the weekend. As has been said "Up to you"

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15 hours ago, Huckenfell said:

See my post. Yes something Stinks !

Post 602.  my apologies.

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Hi Everyone,

 

Re posting to this thread.

 

I work for Pacific Cross/Thai Visa Protect.

 

Sorry I am unable to reply to every post.  That is impossible currently, the announcement took us by surprise and was overwhelming with the amount of calls and emails that came in.  To compound matters many people thought this applied to them when in fact not.  If you have got in touch please be patient and everyone will be responded to in due course.

 

Firstly, a point I made earlier that some may have not seen.  We have a plan that meets the visa requirement for NON O A and NON O X.  If you are on a marriage VIsa or NON O yearly extension the mandated insurance does NOT apply to you.  I can't say that the government over time will not roll this out to all visas, I suspect they may, as we all may agree its difficult to say what is around the corner legislation wise.

 

Let me be very clear, we more than anyone realise what a bad initiative this is in terms of coverage.  The plans available to not provide anywhere near the same value and coverage that the former products Thai Visa Protect plans or PCHI plans can provide.

 

May I address the difference in premiums and coverage.  The underwriters and actuaries know that because this product is only applicable to over 50's the expected claims histories and loss ratios will be much higher than the historic products available.  Therefore they have priced accordingly (FYI my understanding is that of the 6 approved vendors we are more competitive than the competition).   That is why the coverage for the premium is less value than the historic plans that can insure from 0-75yrs as a new applicant.  It's a completely different risk profile.  Though on face value I would also question why the differences in ratings. 

 

We would like, more than anyone, that the government allows ANY plan, ours or not, that meets or exceeds the mandated amount to be suffice to obtain the visa.  We are not comfortable selling these designated Long Stay visa plans, not only are they terrible cover, the premiums are expensive when comparing to historic plans.  At this juncture if you need the insurance to meet the requirement we have the approved plan to facilitate that.  That is not to say this is a good plan coverage or value wise!  

 

On a more general note, as I have seen so much misinformation being posted, we can accept new applicants up to 75yrs, over 65's are required to complete a physical exam.  Unlike moratorium plans we fully underwrite each policy, SO BEFORE you decide to accept the offer or not the coverage terms will be in black and white on the offer letter, any exclusions or wait periods will be laid out on the offer letter.  We renew up to 99yrs of age.  As long as an applicant has truthfully and correctly declared everything on the application your policy cannot be terminated.   We are one of the very few onshore companies that can consider some pre existing conditions, we may load a premium to accommodate it, apply a wait period or flat out exclude it.  Each application is looked at on a case by case basis.

 

We do not impose routine inflationary increases, our base rates haven't changed since 2015.  We individually experience rate each renewal.  What does this mean?

 

This will appear 'salesy' to some but I am again trying to be as informative as possible. Most companies typically apply 8-15% year on year, irrespective of your claims history whether large small or none.  Some companies may increase less and some certainly more.  With Thai Visa protect and Pacific Cross plans, if you have made no claims we have discounts rising to 20%, if you have moderate claims (i.e. approx <80% of premium paid) we will hold rates the following year.  If you have claimed around or over the premium paid the company reserves the right to load the premium renewal, whether you have claimed 100,000, 1,000,000 or 10,000,000 the maximum loading that can apply to the renewal premium is 25%.  If the following year the condition has no re-occurrence we can remove that 25% loading at the next renewal.  Contrary to some online experts, this does NOT mean we would just load each year until someone is priced out to continue.  We are capped at 3 consecutive loadings.  If you premium has been loaded for 3 years that is IT.  Personally I would prefer to have an increase in the event of high claims as opposed to yearly increases irrespective of claims history.  But of course that is my opinion, and most of you would expect me to say that.

 

I feel awfully sorry for people on this visa type, and concerned about people who are not able to purchase insurance whether they are over 75 or un-insurable,   Again I hope the relevant parties can come to a proper well thought out structure and outcome.


Below is all the info we have to date on this requirement and who it is aimed towards at this moment:

 

To Business Partners,
The purpose of writing to you is to update you on the status of the above visa requirements for foreigners.  
 
Pacific Cross has approval from the Immigration Department office to provide products in support of a "long stay" visa applicant for both types 1 year O-A, and 10 Year O-X.  However at this stage only the O-X 10 Year Visa minimum insurance requirements have been determined and a copy of these rules are shown below.
 
In line with this Pacific Cross has developed three "Long Stay" insurance plans to support the O-X 10 Year Visa applications.  These plans are know as Platinum 1, Platinum 2, Platinum 3, please note that only these plans from Pacific Cross are accepted by the Immigration Department at this point in time.
 
As previously intimated the insurance requirements for the O-A (1 Year Visa) have not yet been determined therefore please reassure your clients not to panic unnecessarily.  Policy holders may need to upgrade their plans so for us Pacific Cross Health Insurance we are working on how such changes will be accommodated.
 

 

Non-Immigrant Visa “O-X” (Long Stay)

On 22 November 2016, the Cabinet of Thailand approved new scheme which allows nationals from 14 countries to stay in Thailand for the maximum period of 10 years. In order to enjoy this new scheme, the applicants must apply for Non-Immigrant Visa “O-X” (Long Stay) or so called Non-O-X Visa at the Royal Thai Embassy/Royal Thai Consulate-General (when applying outside Thailand) or the Immigration Bureau (when applying in Thailand). 

The purpose of this type of visa is to promote long stay for foreign traveler to Thailand. Nationals from 14 countries with the age of 50 years old or over can apply for a multiple-entry Non-O-X visa and stay in the Kingdom for the maximum period of 10 years
(5 years according to visa validity plus an extension for another 5 years). The visa fee is 10,000 Baht (or local currency equivalent if applying outside Thailand).

In accordance with the Notification of the Ministry of Interior Re: Authorization for Certain Groups of Aliens to Enter the Kingdom on an exceptional case on Long-Stay Purpose in accordance with the Cabinet Resolution, dated 22 November B.E. 2559 (2016) (effective from 11 August 2017), foreigners with the following qualifications and supporting documents may apply for a multiple-entry Non-O-X visa:                       

Applicants’ qualifications

               1. Age of 50 years old or over

               2. Applicants must hold passport and nationality of (1) Japan (2) Australia (3) Denmark (4) Finland (5) France (6) Germany (7) Italy (8) Netherlands (9) Norway (10) Sweden (11) Switzerland (12) United Kingdom (13) Canada (14) United States of America 

               3. Financial qualifications

(a) Applicants must have money deposited in Thai bank located in Thailand with the amount of not less than 3 million Baht; or

(b) Applicants must have money deposited in Thai bank located in Thailand with the amount of not less than 1.8 million Baht and have income with the amount of not less than 1.2 million Baht per year. Once the applicants enter Thailand, they must have accumulated money deposited in Thai bank located in Thailand not less than 3 million Baht within 1 year.

The money in (a) and (b) must be kept in bank account at least 1 year before withdrawing and, within another next year, the money must be left in the account with the amount of not less than 1.5 million Baht and can only be spent in Thailand. 

              4. Applicants must have no forbidden diseases according to the Ministerial Regulation No. 14 (B.E. 2535) which include Leprosy, Tuberculosis, Elephantiasis, drug addiction and third stage of Syphilis. 

              5. Applicants must have Thai medical insurance during their stay in Thailand (per the approval of the Office of Insurance Commission) and medical claims for outpatient must not be less than 40,000 Baht, for inpatient must not be less than 400,000 Baht.

 

Required Documentation

     1. Passport must be valid for at least six months from the date of travel.

     2. Three (3) application forms and 3 photographs (size 4 X 6 cm. taken within the last 6 months) 

     3. One (1) biography

     4. Financial evidence

                        4.1 Certificate of bank deposit stating bank contact information, copy of bank book and bank statement which shows fixed deposit with the amount of not less than 3 million Baht deposited in Thai bank located in Thailand;

                        OR

                        4.2 Certificate of bank deposit stating bank contact information, copy of bank book and bank statement which shows fixed deposit with the amount of not less than 1.8 million Baht deposited in Thai bank located in Thailand and certificate of annual income with the amount of not less than 1.2 million Baht (local currency equivalent) per year. (Once the applicants enter Thailand, they must have accumulated money deposited in Thai bank located in Thailand not less than 3 million Baht within 1 year.)

    5. Certificate of criminal record clearance from the country of nationality. In case the applicants have permanent residence in other country, they must provide the aforementioned document from both country of nationality and country of permanent residence. 

    6. Medical certificate from the country where the applicants apply visa stating that applicants don’t have any prohibited diseases according to the Ministerial Regulation No. 14 (B.E.2535) which include Leprosy, Tuberculosis, Elephantiasis, drug addiction, third stage of Syphilis. The medical certificate must not be issued over 3 months. 

    7. Copy of evidence stating that applicants have insurance as per stipulated by the  Office of Insurance Commission and health insurance of Thailand which has insurance money for outpatient not less than 40,000 Baht and for inpatient not less than 400,000 Baht.
Please check < http://longstay.tgia.org > for more information regarding the insurance requirement.

    8. Visa fee: 10,000 Baht (local currency equivalent)

 

Spouse and child, age under 20 years old, can apply for Non-O-X visa and must have the following required documents

    9.  Spouse (no age restriction) must show a copy of marriage certificate together with documents
stated in 1-8.

    10. Child age under 20 years old must show a copy of birth certificate or proof of legitimate child and also have to submit documents number 1-3, 7 and 8

How to Apply for Non-O-X Visa (in case of applying outside Thailand)

1.      Foreigners who have the required qualifications and supporting documents as stated above may apply for Non-O-X Visa at the Royal Thai Embassy/Royal Thai Consulate-General in the country of their nationality or where they have permanent residence.

2.      The Royal Thai Embassy/Royal Thai Consulate-General examines the qualifications and supporting documents and informs the result to the applicants.

3.      In case that the visa is approved, foreigners (main applicant, spouse, and lawful child under 20 years old) will obtain a multiple-entry Non-O-X visa with visa validity of 5 years

4.      Upon arrival in Thailand, the immigration officer will grant the Non-O-X visa holders the stay permit in the Kingdom for the period of not exceeding 5 years according to visa validity.

Other Useful Information

            - Benefits of the Non-O-X visa holders

                        1) Can work as a volunteer (in accordance with the list of volunteer work as stipulated by the Department of Employment).

                        2) Can purchase vehicle (under the provision of laws on motor vehicles).

                        3) Can purchase condominium (proceed in accordance with the Condominium Act).

- Foreigners who enter Thailand with other type of Visa/Visa Exemption may contact the Immigration Bureau and apply for Non-O-X visa.

- Foreigners who enter Thailand with Non-O-X visa may change from Non-O-X to other type of Visa by submitting request to the Immigration Bureau. Spouse and child’s visa approval will be changed according to status of the main applicant. However, spouse can apply for Non-O-X by himself/ herself if he/she meets the qualifications.

            - Spouse/child who does not qualify for Non-O-X visa may apply for other type of non-immigrant visa in order to stay in Thailand with the Non-O-X visa holder.

            - Upon the completion of 90 days stay period in Thailand, foreigners must notify the Immigration Bureau of their residence in Thailand and shall repeat at every 90 days interval.

            - Foreigners must report, in person, to the immigration officer every 1 year for the examination of the qualifications and supporting documents.

            - Stay permit of the Non-O-X visa holders may be revoked due to following conditions:

                        1) Foreigners do not have financial evidence as per stipulated by above qualifications such as:

                                    - The sum of money in the bank account is less than 3 million Baht at the end of the first year of stay period in Thailand.

                                    - the sum of money in the bank account is less than 1.5 million Baht at the end of the second year of stay period in Thailand, and/or the money in said account was spent outside Thailand.

                        2) Foreigners do not have insurance as per stipulated by above qualifications.

                        3) Foreigners pose threat to peace and security of Thailand.

                        4) Foreigners work without permission.

Hopefully this information is helpful to you. I have also enclosed copies of our products: Long stay visa and application for your consideration.
 

We will keep you informed of developments as they become known to us.

 

Please do not hesitate to contact us if you require any additional information.

 

Regards

 

Tom

 

Tom Thomson

Chief Executive Officer

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