Health Insurance Visa Requirements 2025 — Thailand Immigration

Updated Requirements

The Immigration Bureau has clarified health insurance requirements for various long-stay visa categories, effective November 1, 2025.

Minimum Coverage Amounts

Non-Immigrant O-A (Retirement):

Inpatient Care: 400,000 THB minimum (unchanged)
Outpatient Care: 40,000 THB minimum (unchanged)
COVID-19 Coverage: No longer specifically required
Policy Duration: Must cover entire visa validity period

Non-Immigrant O-X (5-year):

Inpatient Care: 3,000,000 THB minimum (increased from 400,000 THB)
Outpatient Care: 120,000 THB minimum (increased from 40,000 THB)
Additional: Emergency evacuation coverage recommended
Validity: Must maintain throughout 5-year period

LTR Visa Holders:

Coverage: Following international standards
Amount: Minimum $100,000 USD equivalent coverage
Scope: Worldwide coverage including Thailand
Providers: International insurers accepted

Acceptable Policy Types

Newly Clarified:

Local Thai Insurers: All licensed companies accepted
International Policies: Must include Thailand coverage
Travel Insurance: Acceptable only for stays under 90 days
Employer Coverage: Corporate policies accepted with verification letter

Documentation Requirements:

Original Policy: English or Thai language versions
Coverage Confirmation: Letter from insurer confirming compliance
Premium Receipts: Proof of current payment status
Beneficiary Information: Must match passport details

Category-Specific Updates

Retirement Visas (Over 50)

Health Screening: Optional health check for renewals over 70
Pre-existing Conditions: Coverage clarification required
Local Treatment: Preference for Thailand-based medical providers

Education Visas

Student Insurance: University-provided coverage usually sufficient
Private Study: Individual policy required for private institutions
Dependent Coverage: Separate policies required for family members

Investment/Business Visas

Company Coverage: Employer-provided policies accepted
Expatriate Packages: International executive health plans qualify
Self-Employed: Individual comprehensive coverage required

Implementation Timeline

Phase 1 (November 1, 2025):

New applications must meet updated requirements
Existing visa holders have 6-month grace period

Phase 2 (May 1, 2026):

All renewals must comply with new standards
Enhanced verification procedures begin

Phase 3 (November 1, 2026):

Full implementation with digital verification system
Automated policy validation at immigration offices

Compliance Strategies

For New Applicants

Early Planning: Secure appropriate coverage before application
Provider Verification: Confirm insurer is recognized by Immigration
Documentation: Prepare all required certification in advance
Professional Review: Have policies evaluated for compliance

For Current Visa Holders

Policy Review: Assess current coverage against new requirements
Upgrade Planning: Budget for enhanced coverage if needed
Renewal Timeline: Plan insurance renewal with visa extension dates
Documentation Update: Ensure all policy documents are current

Available Options

Local Thai Insurers:

Often more cost-effective for Thailand-only coverage
Direct billing with many hospitals
Local language support

International Providers:

Worldwide coverage including home country visits
Higher coverage limits typically available
English-language customer service

Hybrid Approaches:

Local base policy with international top-up coverage
Specialized expat health plans
Corporate group policies for business visa holders

Professional Assistance

Navigating insurance requirements for visa compliance can be complex. Our insurance specialists can help with:

Policy Comparison and recommendation
Compliance Verification for immigration requirements
Claims Support and provider coordination
Annual Reviews to maintain compliance