Health Insurance for oa visa in Thailand

Foreigners wishing to retire in Thailand need to apply to a non-immigrant OA Long Stay visa before entering Thailand. This specific long stay visa is available to foreigners only, of 50 years old up. Applicants to this OA visa of 1 year will need to show evidence of health insurance to support their OA visa application.

Benefits include:
Conditions to apply to Luma Long Stay Care Health Insurance:

Luma Long Stay Care is a health insurance plan designed with Navakij (official member of TGIA) to meet all requirements for OA Long Stay visa applications for foreigners intending to retire in Thailand. 

 

This health insurance for OA visa is available for foreigners applying to OA visa in their home country, and retirees living in Thailand seeking health insurance to extend or renew their OA visa within Thailand. 

Frequently Asked Questions

Who can apply to this health insurance?

Any foreign individuals between 18 and 80 years old can apply to this health insurance.

Please note however, OA long stay visa is available for foreign individuals of 50 years old and above only.

What are the requirements for health insurance for OA visa?

Applicants to OA visas need to subscribe to a health insurance with at least 400,000 THB benefits for inpatient treatments, and at least 40,000 THB for outpatient benefits, per policy per year.

Is this health insurance accepted for OA visa application?

Yes, this health insurance policy is issued by Navakij (NKI), one of the official Thai non-life insurance companies listed on TGIA (Thai General Insurance Association) for OA Long Stay visa in Thailand.

 

Is a health check up mandatory for OA long stay visa?

Medical check up is compulsory for applicants after 65 years old only.

For foreigners already in Thailand seeking to renew or extend their OA visa, Luma can assist in booking and coordinating their health check up in a hospital nearby their home in Thailand.

What is the area of coverage of Luma Long Stay Care health insurance?

This health insurance covers treatments in Thailand only.

When can the cover start?

The health insurance cover will start on the date stated on the policy (once premium is paid).
There is a 30 days waiting period starting from the policy start date for any sickness, except for injuries following an accident.

 

A 120 days waiting period applies for the following diseases:
- Benign or malignant tumor or cancer or cystic mass
- Hemorrhoids
- Hernias
- Pterygium, pinguecula, cataract
- Tonsillectomy or adenoidectomy
- Stones
- Varicose Veins
- Endometriosis

Is there any waiting period?

Yes, there is a 30 days waiting period starting from the policy start date for any sickness, except for injuries following an accident.

Please note, there is a 120 days waiting period applying to the following diseases:
- Benign or malignant tumor or cancer or cystic mass
- Hemorrhoids
- Hernias
- Pterygium, pinguecula, cataract
- Tonsillectomy or adenoidectomy
- Stones
- Varicose Veins
- Endometriosis

Are people with pre-existing conditions covered?

Those who are aware of pre-existing medical conditions may apply - but pre-existing conditions may be excluded from coverage.

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