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Crash999

Options for a 78-year old

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Hello everyone! My father has decided he wants to spend more time around the family and his grandchild and hopes to spend around 8-9 months out of the year in Thailand going forward.

 

In reviewing the process for obtaining a retirement visa it seems the biggest hurdle is the now-mandatory health insurance. From memory there was a list of government providers out there at one point though I can't seem to find the page. But I'm not sure that any provider had options for those above age 75 or so.

 

So where does that leave someone my father's age? He is actually in quite good health with no preexisting conditions aside from a stent around 7 years ago. I can see that there are international health insurance plans out there but from memory it had to be one of the Thai government's approved providers.

 

If retirement is a no-go then is Elite the only other option?

 

Thanks in advance for any suggestions and experiences you can share.

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It is highly unlikely that your father will qualify for an insurance policy for the OA retirement VISA (see link below). Two options. As DrJack54 suggests you have the non-immigrant O option. Have your father obtain the 90 day VISA Non-Immigrant O then convert to a one year on arrival Thailand. Or as you point out, go the Elite route. 500,000 baht for 5 years. Of course neither of these give a solution for health coverage while in Thailand. He may be able to qualify for a medical travel insurance to cover him when in Thailand. 
 

 

Edited by Tounge Thaied
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11 minutes ago, DaRoadrunner said:

Excellent post... To which I would add:- Easiest way is to arrive on a tourist visa and convert to retirement visa here. 800K must be in Thai bank account 2 months in advance of applying for retirement visa.

Correct. Added comment is that he need show funds in Thai bank came from outside of thailand because of doing "conversion" within Thailand.

To avoid that requirement you can obtain no o at nearby country. 

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10 minutes ago, impulse said:

Please tell us either your family is loaded and you don't need insurance to come out of pocket with a huge wad of cash, or that you're going to get him properly covered, even if it's not for the visa, and not by an approved Thai company. 

 

Tempting as it is to use "fly back home the the NHS" as a health care plan, that's not how accidents happen and certainly wouldn't have worked for my bypass surgery in BKK.  Lots of stories about young, perfectly healthy Brits, Aussies, Americans, etc doing GoFundMe's because they couldn't just get on a plane with a gaping wound or bad disease.  At 78, I suspect the risk is even greater.

 

If you're loaded, please disregard...

 

OP was asking about useless Thai health insurance re non O-A  There are much better options to provide cover independent of the useless Thai insurance. 

So your fall back position is anyone over XYZ years of age needs to live in home country! 

Edited by DrJack54
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4 minutes ago, impulse said:

 

I'd suggest people of any age stay in their home country if they're not covered for medical emergencies abroad.  Whether that cover is from their bank account, their family's wealth, or an insurance policy.  

 

 

Hell's bells. Read the OP. Refered to compulsory THAI health insurance. That insurance will not repatriate you to home country.  Also not cover serious health requirement in thailand.  It has useless coverage. 

The op best obtain alternative coverage.

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6 hours ago, Crash999 said:

Hello everyone! My father has decided he wants to spend more time around the family and his grandchild and hopes to spend around 8-9 months out of the year in Thailand going forward.

 

What is your own status of permission to stay in Thailand? I am asking because if you are on a one-year extension of stay and depending on the reason for that extension, your father might be able to get a so-called dependent extension, without any compulsory Thai insurance.

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9 hours ago, DrJack54 said:

He can easily obtain a non O based on retirement Visa. Then do annual extensions. The slight downside is that he will need to have 800k baht in THAI bank.

Or proof of 65k baht income or a combination of money in the bank and income totaling 800k baht.

 

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At 78 he cannot get an immigration approved local  policy (well actually there is one he can get, but it will cut him off when he turns 80 so little point).

 

However, as he will only spend 7-8 months a year here annual  OA visas with international insurance is an option.  For the initial visa issuance a foreign policy can be used and at 78 he can get one though it may exclude cardiovascular disease. Either Cigna Global expat policy or a travel policy if he can find one that will cover the full duration of his stay.  He will need to have the insurer sign a certificate which you can find on the longstay visa website. If they are unwilling to sign (some are due to how the form is worded) some Embassies and Consulates will accept the actual policy documents instead -- need to ask at the Embassy/Consulate involved.

 

Under this scenario he would need to repeat the process anually with a new visa issued in his home country each time as he cannot do an extension of stat in-country on an OA visa with  foreign insurance, but he can get a new visa back home once the first OA has expired.

 

Alternatives would be:

 

- O visa and extension of stay incountry as others have explained - has financial requirements (money brought into Thailand) and might not be possible to get in his home country depending on where he lives, but could enter Visa Exempt and apply to change to O visa incountry then do the extension (assuming he meets the Financial requirement).. He will then have to be incountry each year when the permission to stay expires to extend ir. Should be sure to get a re-entry permit for his trips back home or the permission of stay will be voided.

 

- Thai Visa Elite as others have also described. Hassle free but cost 500k for 5 years.

 

_ Multi entry tourist visa. He would have to leave after 3 months and then re enter but if he would be happy spending say 3 months at a time twice a year this might work. Trying to stay more the 6 months might run into problems depending on the whim of the immigration office at entry point but up to 6 months (either 3 entries staying 2 months or 2 entries each ectended by 30 days) should be fine.

 

Regardless he should not come here uninsured, should have at least a travel policy that covers emergency care and repatriation. That being the case, and since he is not wanting to live here full time just spend more time here, if it were me I'd first try the annual OA approach. If it fails because he cannot get a proof of insurance that the Embassy will accept then move on to one of the other alternatives all of which have their pluses and minuses.

 

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