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O/A visa and insurance experience today


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12 hours ago, brianj1964 said:

I did that bit, it said " long stay" or something similar

That's the one you want. There's a guy on here who runs a Facebook group dedicated to TransferWise. They've done some testing and have 100% success rate in having the transfer marked as international using that drop-down option and transferring to Bangkok Bank. The receiving bank has to be Bangkok Bank to be sure of success.

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Missing the point.  Health insurance is a great thing to have......getting overcharged for poorly designed health insurance with inadequate coverage is not a great thing.  That's the issue for many.  

Apparently not all immigration officers have gotten the message it does not apply to a visa issued prior to October 31st. I seems the person that stamped you in to  the country for a year was awa

@Sheryl Wanted to let you know, that you deserve a lot more than just a THANK YOU. You are doing a wonderful job of providing correct, understandable and sensible responses to all the issues

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15 hours ago, Thaidream said:

There is no law that states the 800K for retirement or 400K for marriage has to be sent from abroad unless one converts  a VE or Tourist Visa to a Non O and then applies.

Thanks. That's useful to know. 

 

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Regarding the income method- if they want to see source of funds, this should be easy to provide- since every financial transaction has some source- pension deposit; investment deposit;  rental income deposit etc .  Simple letterhead from these entities and amounts should suffice. Most people have to declare this on the yealy foreign income tax.

"Should" being the operative word 🙂 . It sounds as though what some offices really want to see is a single document confirming a pension of at least 65k per month. The further you are from having that, the more likely you are to hear "Cannot".

 

I have a new OA so I have the option of doing a border run at the end of the year (and probably having to buy Thai insurance beforehand). As I have no idea what the immigration regulations or baht exchange-rate will be in a year's time, I'm trying to keep open as many options as possible.

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2 hours ago, Andrew Dwyer said:

Not sure of the actual numbers of people on valid OA’s or extensions thereof but I think many are planning their escape from insurance via an O visa or if have a long time left on their extension ( like myself, sept 2020 ) and are still letting the dust settle before making their decision.

+1 i am in the same case

(Renew extension in next october)

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2 hours ago, deej said:

From my view 

The 800ks was put in place

to cover unforseen Medical costs etc etc

Please be free to correct me if i am mistaken

It's just from your view

you can't find it in any official text.

The most shared idea was it was the amount of money

necessary for 1 farang for live 1 year in Thailand and cover all the spends.

But now 400 000 are frozen in a Thai bank all year long and 800 000 for 5 months

so in reality it's just one selection criterion and a forced loan to the Thai bank system

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13 minutes ago, Exploring Thailand said:

I have a new OA so I have the option of doing a border run at the end of the year (and probably having to buy Thai insurance beforehand). As I have no idea what the immigration regulations or baht exchange-rate will be in a year's time, I'm trying to keep open as many options as possible.

If you are on a 'new OA' I presume that its validity date has not expired yet.  Exiting and re-entering Thailand  before the OA validity date expires provides you again with a 1 year permission to stay, allowing you to squeeze almost 2 years out of your OA Visa. 

E.g. an OA Visa issued July 2019, will when - timed right - allow you to stay in Thailand till July 2021.

And it's only when your extension of stay is due, that the health-insurance requirement will kick in.

So time enough to consider your options.

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12 minutes ago, kingofthemountain said:

It's just from your view

you can't find it in any official text.

The most shared idea was it was the amount of money

necessary for 1 farang for live 1 year in Thailand and cover all the spends.

But now 400 000 are frozen in a Thai bank all year long and 800 000 for 5 months

so in reality it's just one selection criterion and a forced loan to the Thai bank system

I've heard both theories about the 800k. That it is for living in Thailand and that it is for medical expenses. It can only be used for living in Thailand if you plan on leaving. You can use it to wrap up your affairs, buy a plane ticket and go.

 

It would be interesting if the Thai government allowed medical savings accounts. Put some money in the bank and allow it to be used for medical expenses only. If you use it you have to top it back up within some short period of time. If they  implemented medical savings accounts then they could scrap the outpatient part of the insurance requirement.

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13 minutes ago, Peter Denis said:

If you are on a 'new OA' I presume that its validity date has not expired yet.  Exiting and re-entering Thailand  before the OA validity date expires provides you again with a 1 year permission to stay, allowing you to squeeze almost 2 years out of your OA Visa. 

E.g. an OA Visa issued July 2019, will when - timed right - allow you to stay in Thailand till July 2021.

Exactly, which is why I went the OA route this time. The pound-baht exchange rate was a 10-year low when I had to make the decision, so I went for on OA, thus avoiding the need to bring in another 800k.

 

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And it's only when your extension of stay is due, that the health-insurance requirement will kick in.

If that's the case, then great. I thought I'd read of mixed-results when people either tried to re-enter on a still-valid OA, or asked Immigration what would happen if they tried to re-enter. I could be wrong though. It's difficult to keep track of all of the reports and reports of reports.

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2 minutes ago, Martyp said:

It would be interesting if the Thai government allowed medical savings accounts. Put some money in the bank and allow it to be used for medical expenses only. If you use it you have to top it back up within some short period of time. If they  implemented medical savings accounts then they could scrap the outpatient part of the insurance requirement.

This option has been mentioned by the health minister at the begining of this fiasco

the idea was to allow the uninsurables (For age and\or pre existing conditions) to cover

their medical spends. Unfortunately since it's the insurance thai lobby who has been put in charge

to elaborate the text, this option was no longer on the table.

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6 minutes ago, Exploring Thailand said:

If that's the case, then great. I thought I'd read of mixed-results when people either tried to re-enter on a still-valid OA, or asked Immigration what would happen if they tried to re-enter. I could be wrong though, it's difficult to keep track of all of the reports and reports of reports.

Since the Nov 7 IO Big Boss meeting clarifying that entering Thailand with

- a non-expired pre Oct 31 issued OA Visa

does NOT require health-insurance, there has been not 1 single report of entrants being denied the 1 year permission of stay they are entitled to.

Indeed, some 'toothing problems' have been reported of seemingly insecure Immigration officials still asking for health-insurance, but if you do not have it - as it is not required -, after some deliberation with their IO colleagues, those queried have all been stamped in for the full year they are entitled to.

So presently (we are day 22 of the implementation!) it is safe to say that it is NOT required on entry.

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8 minutes ago, Peter Denis said:

Since the Nov 7 IO Big Boss meeting clarifying that entering Thailand with

- a non-expired pre Oct 31 issued OA Visa

does NOT require health-insurance, there has been not 1 single report of entrants being denied the 1 year permission of stay they are entitled to.

Indeed, some 'toothing problems' have been reported of seemingly insecure Immigration officials still asking for health-insurance, but if you do not have it - as it is not required -, after some deliberation with their IO colleagues, those queried have all been stamped in for the full year they are entitled to.

So presently (we are day 22 of the implementation!) it is safe to say that it is NOT required on entry.

That's excellent news.  I think the toothing problem reports were the ones I'd seen, especially the recent one in which the guy was asked for insurance, showed some travel insurance, and was then allowed in. 

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8 minutes ago, Peter Denis said:

Since the Nov 7 IO Big Boss meeting clarifying that entering Thailand with

- a non-expired pre Oct 31 issued OA Visa

does NOT require health-insurance, there has been not 1 single report of entrants being denied the 1 year permission of stay they are entitled to.

Indeed, some 'toothing problems' have been reported of seemingly insecure Immigration officials still asking for health-insurance, but if you do not have it - as it is not required -, after some deliberation with their IO colleagues, those queried have all been stamped in for the full year they are entitled to.

So presently (we are day 22 of the implementation!) it is safe to say that it is NOT required on entry.

Odd then that they would require Thai health insurance for an extension on an O-A Visa which was obtained prior to Oct. 31

 

Just saying ....

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3 hours ago, deej said:

The 800ks was put in place

to cover unforseen Medical costs etc etc

Please be free to correct me if i am mistaken😀

Nothing to do with the current insurance issue or medical costs. The 800k was the revised deposit amount which came in after the collapse in the baht in 1998 - prior to that it had been 200k (people on unbroken extension history pre '98 are still grandfathered in at this amount).

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1 hour ago, Exploring Thailand said:

Exactly, which is why I went the OA route this time. The pound-baht exchange rate was a 10-year low when I had to make the decision, so I went for on OA, thus avoiding the need to bring in another 800k.

2019 has been a horrible year to bring in this money. In fact it's more like a 25 year low for the pound - 10 years ago rates were in the high 40's, but ever since May this year it's been high 30's. When it dropped below 37 in September, it was at it's lowest rate since 1992.

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2 hours ago, Peter Denis said:

Since the Nov 7 IO Big Boss meeting clarifying that entering Thailand with

- a non-expired pre Oct 31 issued OA Visa

does NOT require health-insurance, there has been not 1 single report of entrants being denied the 1 year permission of stay they are entitled to.

Indeed, some 'toothing problems' have been reported of seemingly insecure Immigration officials still asking for health-insurance, but if you do not have it - as it is not required -, after some deliberation with their IO colleagues, those queried have all been stamped in for the full year they are entitled to.

So presently (we are day 22 of the implementation!) it is safe to say that it is NOT required on entry.

I'm pretty sure but could be wrong there were reports of people leaving Thailand recently to try and get their second year from the O/A being asked to show insurance, or they had enquirers about it

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