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. 

Navakij Insurance
Insured by
Navakij Insurance Public Company Limited

Frequently Asked Questions

Eligibility for Luma Long Stay Care Application

Who can apply to this health insurance?

Any foreign individuals between 18 and 79 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.

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. 

See privileged partner hospitals for health check ups for Luma Long Stay Care applications. 

What medical exams are needed for the required medical check up (for applicants aged over 65 years old)?

Members aged more than 65 years old must submit the following health check up (dated of less than 6 months from application date) along with their application form and passport copy : (CBC, Chemistry (blood), Liver Function, Kidney Function, Heart Exam (ECG / EKG), Chest Exam (Chest X-ray), Urine Exam, PE Exam (Physical Exam) by doctor).

You can also download our medical exams checklist.

Luma is proud to present a list of selected hospitals with special package prices for this health check up. 

 

How long are medical exams valid for, to apply to Luma Long Stay Care?

Health check up exams are valid for 6 months for the application to Luma Long Stay Care.

Luma Long Stay Care Coverage

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.

If I receive Covid-19 vaccine shots and experiencing side effects, are Covid-19 vaccination side effects or complications covered?

COVID-19 vaccination side effects or complications are unfortunately not covered under Luma Long Stay Care; regardless of if the Covid-19 vaccine shots have been received prior to or during the insurance policy.

Immigration Related Questions

Is this health insurance accepted for OA visa application?

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

What are the requirements for OA visa health insurance?

Applications to OA Long Stay visas require a health insurance policy with:

  • Not less than 400,000 Thai Baht per policy year for Inpatient treatments, and
  • Not less than 40,000 Thai Baht per policy year for Outpatient treatments.

Claims 

How do I claim?

To claim, please collect all below mentioned documents: 

        1. Navakij insurance claim form filled and signed
         2. Copy of insurance Card
         3. Copy of signed ID Card or official card e.g. driving license or passport 
         4. Original medical receipt
         5. Original doctor’s certificate
         6. Copy of signed saving bank book (except for BAAC and GSB)
 
The documents need to be sent to the following address:
The Navakij Insurance PCL (Luma Long Stay Care)
100/50-55, 90/4-6 Sathornnakorn Building, 26th floor,
Sathorn Nua Road, Silom, Bangrak, Bangkok 10500
How long does it take to be reimbursed after a claim?

Reimbursement of validated claims will be processed within 15 days from reception of all required documents.

Get Quote for Health Insurance for OA Visa

Luma Care Co., Ltd. is licensed by the Office of Insurance Commission to sell non-life insurance in Thailand (registration number: ว00008/2555) and  life insurance (registration number: ช00012/2564), online (see licence).

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