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Meeting health insurance requirements for extending an O-A visa


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10 hours ago, Peter Denis said:

In case you consider the LMG Insurance option (cheapest option to meet the Non Imm O-A retirement extension requirement for health-insurance), just PM me and I will provide you with full details on how to apply for it, including tips/caveats.

Peter, my good fellow, I too would like the LMG info. I have PM'd you.

 

Thank You and Best of Health!

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A foreign insurance policy that meets the IO-requirements (at least 400K/40K for in-patient/out-patient coverage), is ONLY accepted when you apply for the Non Imm O-A (long-stay) Visa in your home-cou

The insurance being described and suggested above is to satisfy immigration requirement for insurance. It's a rubbish cover. Think of it as part of the extension cost.

@Peter Denis has researched this topic exhaustively. After multiple correspondence with him and doing my own research I paid 50k thb for Pacific Cross insurance that is actual insurance. My USA Medica

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Peter Dennis,

 

Thanks Peter, very interesting.  I've printed off the LMG Insurance Application Form.  I see that their office is on Sukhumvit, Bangkok.  You have saved us all a huge trawl of finding the best value company in the Thailand 'Approved' List.  Could I get you email address for the tips you refer to.  Thanks.

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1 hour ago, udonsteve said:

Hi Peter, could you also PM me the above. I am also on a O-A, and will be extending in December.

Hi Steve > done, and you are welcome!

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56 minutes ago, Neocon said:

Peter, my good fellow, I too would like the LMG info. I have PM'd you.

 

Thank You and Best of Health!

Hi Neocon > done, and you are welcome!

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1 hour ago, StewB1 said:

I entered Thailand just under the wire late last Oct 2019 on an O-A issued outside of Thailand which eliminated the need for me to purchase this new insurance.

Is my understanding correct in that I am able to to extend this O-A for only one more year in October 2020 and that no insurance will be required with this extension?

If by extension you mean a border crossing then you are correct. However, should you extend via an immigration office, you will need the insurance

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23 minutes ago, Postmaster said:

Peter Dennis,

 

Thanks Peter, very interesting.  I've printed off the LMG Insurance Application Form.  I see that their office is on Sukhumvit, Bangkok.  You have saved us all a huge trawl of finding the best value company in the Thailand 'Approved' List.  Could I get you email address for the tips you refer to.  Thanks.

Hi Postmaster > done, and you are welcome!

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1 hour ago, StewB1 said:

I entered Thailand just under the wire late last Oct 2019 on an O-A issued outside of Thailand which eliminated the need for me to purchase this new insurance.

Is my understanding correct in that I am able to to extend this O-A for only one more year in October 2020 and that no insurance will be required with this extension?

During the first year of your O-A visa when you leave Thailand and re-enter you get stamped with a full year permission to stay. If you exit and re-enter toward the end of the first year you effectively get two years on that visa. However, at this time it is difficult or impossible to enter the country. It will depend on the border policy in October. 
 

You do not have to take advantage of that second year permission to stay. At the end of your first year you can apply for a 1 year extension of stay. You will need Thai insurance to meet the application requirements as well as meeting the financial requirements of 800,000 baht or the 65,000/month deposits into a Thai bank account.

 

If you are married to a Thai then you can apply for a one year extension of stay based on marriage. You won’t need to have insurance but you do have to meet the financial requirements of deposits in a Thai bank which I think are 400,000 baht or a monthly income (?).

 

The money needs to be in the Thai bank 2 months before your apply for the one year extension. If you plan to do this then you will need to prepare very soon.


A non-O would be an option to avoid the insurance requirement but that has the same problem of leaving and re-entering the country.


You can choose the cheapest insurance policy possible as described above or you can buy a full insurance policy with a large deductible to lower the cost. I would recommend Pacific Cross insurance if you want to go this route.

 

Good luck.

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1 hour ago, StewB1 said:

I entered Thailand just under the wire late last Oct 2019 on an O-A issued outside of Thailand which eliminated the need for me to purchase this new insurance.

Is my understanding correct in that I am able to to extend this O-A for only one more year in October 2020 and that no insurance will be required with this extension?

When you applied for the 1-year Non Imm O-A (long-stay) Visa at the thai Embassy in your home-country mid October 2019, the Visa that was issued will be valid till mid October 2020.

Since it is a MultipleEntry Visa, each time you exit Thailand and re-enter you will be stamped in by border-Immigration for the 1-year extension of stay that Non Imm O-A Visa entitles you to.

So by exiting Thailand and returning just before your Visa validity expires (mid Oct 2020), you will be able to squeeze a full 2nd year permission to stay out of that Non Imm O-A Visa.

Please note that once the Visa validity has expired (mid October 2020), that you would need to protect that 1-year permission to stay when exiting Thailand by buying a Re-Entry Permit.  Such a Re-Entry Permit can be bought at your local IO or in the departure hall of the major thai international airports (1.000 THB for a singleEntry Re-Entry Permit and 3.800 THB for a MultipleEntry Re-Entry Permit).

Also, it is only at the end of the last 1-year permission to stay you obtained (when timed right that would be mid October 2021), that you can apply for a 1-year extension of stay at the IO of the place where you want to stay.  And it is only then that the mandatory thai IO-approved health-insurance would become applicable for you.

Note: Obviously there are also other options than the the 1-year extension of that original Non Imm O-A Visa, to stay long-term in Thailand, but at this moment that would not be relevant for you.  But it is important for you to exit and re-enter Thailand BEFORE your Visa validity expires MId October 2020, so hopefully the borders will be open again by that time.

 

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3 hours ago, rwill said:

Just be aware that the LMG deductible is per incidence, not per year.  But in your case you should be covered by your other insurance anyway.

Exactly what does per incidence mean?  Does it mean if say you must have knee surgery the insurance will only cover knee surgery once for the life of the policy forever or once per year or ?????

 

Edit: the more I think about it and assuming you have a 200K deductible, I guess if you have knee surgery in Feb which costs 200K then you get no reimbursement.  For some reason you need another knee surgery in June which cost 200K you get no reimbursement.  And if needing knee surgery again in Oct which cost 200K then no reimbursement.   

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Hi Peter Denis, 

 

1.   May you please PM me the relevant info also. 

Thank you. 

I want to look at the this info in advance as it is also to my case. 

 

 

2.   You mentioned this  200,000 B deductible LMG insurance policy is next to worthless many times. 

At this stage my understanding of this policy is as follows :   ( feel free to point out any error ) 

 

//  If the hospital bill is   300,000 B.   then policy holder pays 200,000 B,  LMG pays 100,000 B

//  If the hospital bill is   550,000 B.   then policy holder pays 350,000 B,  LMG pays 200,000 B  ( 400K -200K )   

 

//  If the hospital bill is under 200,000 B,   then policy holder pays full amount.   

 

BTW,  is this on expense for single case,    or expenses for accumulated cases in one year ?   

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I'm getting the paperwork ready for my first O-A extension. Got the paperwork for the cheap Charlie but immigration compliant health insurance. Will submit that tomorrow once I've sorted my brain out.

 

Has anyone for a checklist or something similar for O-A extension? I have a feeling I may be making things a little more difficult it really needs to be.

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Hi Peter Denis,

I have an O-A and would like to take out the LMG Insurance Plan 1. Please PM the information to me. Many thanks.

Aido

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1 hour ago, Martyp said:

update bankbook - withdraw 1000 baht?

At CDM/ATM you can deposit/withdraw ฿100.   With online/mobile banking you can transfer 1 baht, or even 1 satang. (you can even have someone else deposit to your account).   ATM also you can do acct to acct transfer (same bank or to other thai bank).

 

Then update your bank book.

 

1 hour ago, Martyp said:

Re-Entry Permit

  • TM8
  • 3,800 baht exact change 

For multiple re-entry permit, yes.  For single Re-entry permit, ฿1,000.

 

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