Longstay Health Insurance Guide (O-A/O-X Compliant)
คู่มือประกันสุขภาพ Longstay Insurance (O-A/O-X compliant)
10 บริษัทในทะเบียน ตม. · USD 100k O-A · 40k/400k O-X · FIC certificate
Quick Answer (AEO)
Since Oct 2019 (MoPH Order), O-A requires **IPD ≥USD 100k**; since 2021, must cover COVID-19. Insurer must be on Immigration Longstay List (TGIA). FIC (Foreign Insurance Certificate) form required with every filing/renewal.
Eligibility
O-A / O-X applicants; Non-O extensions converted from O-A.
Financial Requirements
Premium USD 100k IPD (age 60): THB 35-60k/yr; O-X 40k/400k: THB 25-45k/yr; scales with age/health.
Insurance
Compliant insurers (2025): **TH** — Pacific Cross Health, LMG, MSIG, Cigna TH · **Intl** — Aetna Global, Allianz Care, April, Cigna Global, IMG · All issue FIC.
Documents
- Application form ประกัน (health declaration)
- หนังสือเดินทาง + สำเนา
- Medical Certificate 21/2517 (บาง ปท ต้องมี)
- ประวัติการรักษาพยาบาลเดิม (ถ้ามีโรคประจำตัว)
- หลักฐานอายุ (birth cert)
- FIC form (ออกโดยบริษัทประกัน) — ต้องแนบยื่น ตม.
Workflow
- Free NYC + broker consult (age/pre-existing/budget)
- Get 3-5 quotes from compliant insurers
- Health declaration + medical exam (some age >65)
- Approval + premium payment → Policy + FIC in 3-7 days
- NYC files FIC + policy with Immigration/Embassy
- Annual renewal 30 days before visa expiry
Longstay Insurance ≠ regular travel insurance. Must be compliant + issue FIC. Standard travel/inbound policies do NOT satisfy O-A/O-X.
Pitfalls
- บริษัทไม่ใน Longstay List → ตม. ปฏิเสธทันที
- COVID exclusion — ต้องมี COVID cover ทุกกรมธรรม์ (2021 order)
- อายุ >75 บาง ปท ปฏิเสธ underwrite → ต้อง top-up ผ่าน self-insurance affidavit
- Renewal ล่าช้า >7 วัน → visa ยกเลิกโดยอัตโนมัติ
FAQ
- Can I use my home-country insurance?
- Yes if on Approved Intl List (Aetna/Allianz/Cigna Global) + issues FIC. Small local insurers usually not approved.
- Age 75+?
- Pacific Cross/Cigna accept up to 80. Age >80 must use self-insurance affidavit USD 100k + statement.
- Pre-existing (diabetes/hypertension)?
- OK but 12-24-month exclusion typical. Compare 3+ insurers.
- Premium range?
- Age 55: THB 30-45k · 60: 35-55k · 65: 45-70k · 70: 60-95k / year.
- Switch insurers mid-visa?
- Yes — issue new FIC BEFORE cancel old. NYC coordinates no-gap coverage.
Other pathways
Free consult — Tel 083-2494999 · LINE @NYC168 · contact@nyclegal.co.th
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Official sources — visa & work permit
The information on this page follows the official sources below. Always check the latest version before you file.
- สำนักงานตรวจคนเข้าเมือง — วีซ่า รายงานตัว 90 วัน TM.30— Immigration Bureau
- Thai e-Visa Official Portal— MFA Thailand
- Thailand Digital Arrival Card (TDAC)— Immigration Bureau
- กรมการจัดหางาน — ใบอนุญาตทำงานคนต่างด้าว— Department of Employment
- สำนักงานคณะกรรมการส่งเสริมการลงทุน (BOI) / LTR Visa— Thailand Board of Investment
- กรมการกงสุล — บริการรับรองเอกสาร (นิติกรณ์)— กระทรวงการต่างประเทศ
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Frequently asked questions
- How does 90-day reporting work and what happens if I miss it?
- Foreigners staying in Thailand on a long-stay permission must report their address to Immigration every 90 days, in person, by post, through an agent or online, within the window from 15 days before to 7 days after the due date. Late reporting carries a fine of THB 2,000, rising to THB 5,000 if you are caught during an arrest, and the counter can only accept the report within the permitted window.
- What is TM30 and who must file it?
- TM30 is the notification of a foreigner's place of stay, and the legal duty falls on the house owner, condominium owner, hotel or landlord to notify Immigration within 24 hours of the foreigner's arrival at the address. Foreigners are affected in practice because Immigration frequently requires a current TM30 receipt before processing extensions, 90-day reports and re-entry permits.
- Can I convert my foreign driving licence to a Thai one?
- Yes — the Department of Land Transport allows conversion of a valid foreign licence with a certificate of residence from Immigration or an embassy letter, a medical certificate, passport and visa copies, and passing the colour, reaction and depth-perception tests. Holders of a licence from a country with a reciprocal arrangement may be exempt from the written and practical tests.
- Can a foreigner own a condominium in Thailand?
- Yes, under the Condominium Act foreigners may own units in freehold up to 49% of the total saleable floor area of the building, and the purchase funds must be remitted into Thailand in foreign currency with a Foreign Exchange Transaction certificate issued by the receiving bank for transfers of USD 50,000 or more. Land ownership remains closed to foreigners other than under BOI or specific statutory exceptions.