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Unverified draft, last touched 10 September 2026

Thai retirement visa (O-A) insurance requirements

The insurance rule is the most common place a Thai O-A application stalls. Our record states a minimum of ฿3,000,000, and says the insurer must be able to issue a specific certificate. This page sets out the rule as recorded, with the source and the date it was checked.

VisaGov. feeIncomeSavingsDepositInsuranceRecord
Thai retirement visaNot statedNot stated฿800,000Not stated฿3,000,000Draft3 October 2026
LTR฿50,000Not statedNot stated$100,000$50,000Draft10 September 2026

Amounts are in the visa’s own currency, as stated by the source on each visa page. “Not stated” means the record holds no figure, not that the rule is absent: read the visa page for the conditions.

The O-A retirement visa

Age, a money test and health insurance. Read the insurance conditions first, because they decide whether a policy can be used at all.

Non-Immigrant O-A (Long Stay)

Thailand's O-A retirement visa is open from age 50 and requires health cover of at least 3,000,000 THB (USD 100,000) per policy year, from a Thai insurer on the TGIA long-stay list or a foreign insurer that can complete the Foreign Insurance Certificate.

In its favour: Renewable indefinitely in-country once established, with no exit requirement beyond 90-day reporting.

Watch for: The insurance requirement becomes expensive or uninsurable with age and pre-existing conditions, and is the single most common reason applications fail.

Unverified draft, 3 October 2026. Full requirements and sources

A route with different tests

The LTR is not a retirement visa, but some retirees compare it. Its rules, including insurance, are different.

Long-Term Resident Visa

Thailand's LTR is a ten-year residence track for high earners, pensioners and skilled professionals. Its health insurance floor is USD 50,000, materially lower than the retirement visa's, and a USD 100,000 deposit can be substituted for cover entirely.

In its favour: Ten years of certainty, against the DTV's five and the O-A's annual renewal.

Watch for: Category qualification is demanding and document-heavy compared to the DTV.

Unverified draft, 10 September 2026. Full requirements and sources

Quick answers

Does the Thai O-A retirement visa require health insurance?
Yes, according to our record. Stated minimum: ฿3,000,000 (total sum insured per policy year, stated as USD 100,000 on the consulate page).
What must the insurance policy include?
It must come from a Thai insurer on the official TGIA long-stay list, or from a foreign insurer able to issue the Foreign Insurance Certificate in the format Thai Immigration accepts. The consulate's document list includes the Foreign Insurance Certificate form, signed and stamped by the insurer, so a policy with a high limit but no certificate is incomplete.
Is a travel insurance policy enough for the O-A?
Not by default. Our record says a policy with a high limit but no certificate in the format the consulate asks for is incomplete. Ask the insurer in writing whether it issues that certificate before you pay.
What is the minimum age?
50 on the date of application, per our record.
Is there a retirement route without the insurance rule?
Our records list the LTR as another long-stay route. Its insurance position is on its own page, and its other tests differ.
Does this site sell insurance?
No. The cover card on this page is an affiliate link. We do not claim any product meets the O-A rule.

Official sources

Rules change without notice and posts apply them differently. Re-read the official page on the day you pay.

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