Insurance requirements can vary by visa type and personal circumstances. We help you explore insurance options for your Thailand long-stay visa application.
Simulation image — not the company's actual services or documents.
AXA EasyCare Visa
Compare Plan 1 and Plan 2 benefits
Amounts are THB per person, from AXA’s brochure effective 2 May 2024. Confirm current terms before applying. The maximum benefit is per confinement, not per year. A policy does not guarantee visa approval.
Benefit
Plan 1
Plan 2
Maximum benefit per inpatient confinement
2,000,000
4,000,000
Deductible options (per confinement in the application form)
100,000 / 200,000 / 300,000
100,000 / 200,000 / 300,000
Standard room, meals and hospital services — per day
2,500
4,000
Intensive care room — per day
5,000
8,000
Examinations, treatment, blood, nursing, medicines and supplies (items 2.1–2.4 combined; take-home medicines up to 30 days)
30,000
150,000
Physician examination — per day, maximum 1 visit/day
1,000
1,500
Surgery, operating room, surgical supplies, surgeon and anaesthetist fees
Paid in full*
Paid in full*
Organ transplantation
Not covered
Not covered
Day surgery
Paid in full*
Paid in full*
Related examinations within 30 days before/after admission and related outpatient treatment within 30 days after discharge
Paid in full*
Paid in full*
Outpatient injury treatment within 24 hours of an accident, including 1 follow-up within 30 days
Paid in full*
Paid in full*
Rehabilitation after inpatient confinement
Not covered
Not covered
Chronic kidney failure treatment by haemodialysis
Not covered
Not covered
Cancer radiotherapy, interventional radiology, nuclear medicine and chemotherapy (items 10–11 combined)
100,000
100,000
Emergency ambulance
1,000
1,500
Minor surgery
Paid in full*
Paid in full*
Special nursing — per day, maximum 30 days/year
1,000
1,500
Accidental death, dismemberment, loss of sight/hearing/speech or permanent disability (PA.2)
25,000
50,000
Outpatient treatment per visit — maximum 1 visit/day, 30 visits/year (THB 45,000/year)
1,500
1,500
*Paid in full within the maximum benefit, deductible and policy terms. Combined limits are not separate allowances per item. The brochure describes the deductible as per visit; the application says per confinement. Confirm its application with AXA before purchase.
Entry age: 15 days to 80 years; renewal up to 99, subject to terms. Under-18s must apply with a parent/guardian. Illness waiting period: 30 days; specified illnesses: 120 days. Chronic and pre-existing conditions are excluded under the policy terms. Read the brochure and policy for all exclusions.
Download the application, select EasyCare Visa and complete it truthfully. Contact us before returning the completed form for guidance on submitting documents. Do not send passport copies or medical history in your initial enquiry. Acceptance is subject to AXA’s assessment.
Enquire about LTRSimulation image — not the company's actual documents or services.
LTR · Separate BOI eligibility criteria
The LTR visa: what the authorities look for.
LTR follows the Board of Investment's (BOI) own eligibility criteria, separate from the participating-insurer scheme listed below. These criteria do not apply to O-A or O-X. Confirm policy acceptance with the LTR Visa Unit before purchasing.
Health insurance requirement
Minimum USD 50,000 medical coverage per insured person.
Covers hospitalisation and medical treatment in Thailand.
At least 10 months of coverage remaining at the endorsement date.
Family or group policies: the USD 50,000 minimum applies to each insured person.
Enquire about O-ASimulation image — not the company's actual documents or services.
O-A · Official guidance checked on 15 October 2026
O-A visa: complete health insurance requirements.
The Thai Non-Immigrant O-A Visa (Long Stay) is a retirement visa for foreign nationals aged 50 or older who wish to stay in Thailand without working. Health insurance is a mandatory part of the application. The key rule, effective from 1 October 2021, is that the applicant must hold medical insurance covering at least THB 3,000,000 (approximately USD 100,000) per policy year, including COVID-19 treatment, for the required period of stay in Thailand.
Minimum medical coverage per policy year
THB 3,000,000 — approximately USD 100,000.
Coverage must expressly include COVID-19 treatment.
The sum insured applies for each policy year.
Full required period of stay
The policy must cover the applicant for the required period of stay in Thailand.
For a standard one-year O-A stay, arrange insurance that covers the full required period.
Medical expenses
The policy must cover general medical treatment, including COVID-19 treatment.
The required total sum insured must be met.
Evidence of coverage
Provide the insurance policy documents to the Thai embassy or consulate handling your application.
Include any required insurance certificate with your application.
Official source: Royal Thai Consulate-General, Los Angeles — O-A requirements. Requirements can change, so always confirm the latest guidance with the embassy or consulate handling your application.
Enquire about O-XSimulation image — not the company's actual documents or services.
O-X · Official guidance checked on 15 October 2026
O-X visa: complete health insurance requirements.
Health insurance is mandatory for applicants for Thailand's Non-Immigrant O-X (10-year retirement) visa. This visa is for eligible foreign nationals aged 50 or older, with an initial stay of up to 5 years and the possibility of a further 5-year period. Use a qualifying Thai health insurance policy and confirm the requirements with the Royal Thai Embassy or consulate handling your application.
Inpatient (IPD) minimum
Not less than THB 400,000 per policy year.
Outpatient (OPD) minimum
Not less than THB 40,000 per policy year.
COVID-19 and general medical care
Must cover medical and treatment expenses, including COVID-19, for the duration of the stay.
Thai insurance company
The O-X policy must be issued by a Thai insurer participating in the applicable scheme.
Under the cited consular guidance, an international policy alone is not sufficient.
Continuous coverage
The policy must cover the required period of stay in Thailand.
Keep the policy active and renew it as required.
Official guidance: Royal Thai Embassy, Kuala Lumpur lists IPD THB 400,000 and OPD THB 40,000 per policy year; Royal Thai Consulate-General, Los Angeles and Royal Thai Embassy, Washington, D.C. publish updated regulations requiring THB 3,000,000, aligned with the O-A standard. Requirements vary by application location and can change; confirm with the embassy or consulate handling your application.
These 13 insurers take part in the health insurance scheme for O-A, O-X and LTR. Policies under the scheme run for up to one year; this is not a limit on how long your visa lasts. If you buy through this scheme, choose a qualifying policy from a participating insurer and check the current list before buying.
Simulation image — not the company's actual documents or services.
1.Bangkok Insurance Plc.
2.Thai Health Insurance Plc.
3.The Navakij Insurance Plc.
4.Thaivivat Insurance Plc.
5.Pacific Cross Health Insurance Plc.
6.The Falcon Insurance Plc.
7.The Viriyah Insurance Plc.
8.Allianz Ayudhya General Insurance Plc.
9.AXA Insurance Plc.
10.LMG Insurance Plc.
11.The Dhipaya Insurance Plc.
12.Muang Thai Life Assurance PCL.
13.Generali Insurance (Thailand) PCL.
An insurer's inclusion does not mean every policy it sells qualifies. O-X requires qualifying Thai health insurance. First-year O-A applications may also use qualifying overseas insurance with the insurer-signed Foreign Insurance Certificate. LTR follows separate BOI criteria, which also allow qualifying international insurance. This is therefore not an exclusive insurer list for every visa.
Tell us your visa category, age, intended stay and any existing cover. Please avoid sending passport copies or sensitive medical information in an initial enquiry.
Simulation image — not the company's actual staff or office.
Discuss the insurance needs of your application.
Explore available policies and documentation.
Review benefits, exclusions and insurer terms.
Confirm current requirements with the relevant Thai authority.
Insurance benefits, premiums and availability are subject to insurer underwriting, policy terms, exclusions and waiting periods. We provide insurance assistance; cover and visa approval are not guaranteed.
Visa requirements may change. Eligibility and application decisions are determined by the relevant Thai authorities, not by Expat Personal Services Limited.
A conversation is a good place to start
Let’s find the right way forward.
Your needs are personal. Your support should be, too.
AXA EasyCare Visa
