Non-Immigrant O-A insurance requirements
The one-year long-stay visa, and the one where the published requirement is most often out of date.
What the requirement actually is
TGIA states that a first-year O-A applicant must hold a health insurance policy with minimum cover of USD 100,000, which it accounts as 3 million baht, and that the policy must include treatment for Covid-19. The insurance certificate has to be presented to immigration.
You must also be 50 or over on the day you submit the application, and the visa allows a maximum of one year’s stay at a time.
Where the 400,000 / 40,000 figure comes from
Search for this topic and most results will tell you the requirement is 400,000 baht in-patient and 40,000 baht out-patient. On TGIA’s own O-A page those figures sit under a heading that is easy to skip past: Renewal (before Sep 1 2022).
They describe a rule that applied to renewals before September 2022. Presenting a policy built to that figure as though it satisfies a first-year O-A application today means arriving with roughly 2.6 million baht less cover than the stated minimum.
The same numbers are current for the O-X visa, which is why the confusion is so persistent — the figure is real, it is simply attached to the wrong visa in most retellings. The O-X rules.
Using an insurer from home
The O-A accepts either a Thai or an overseas insurer. If yours is overseas, TGIA publishes a Foreign Insurance Certificate form that must be signed by an authorised person at the insurance company or public organisation. A policy schedule or a letter of your own drafting is not the same thing, and it is worth confirming your insurer will sign the form before you rely on it.
This is the main practical difference between the two long-stay visas: for the O-X, an overseas policy is not an option at all.
A plan that clears the limit can still be poor cover
The visa cares about one number. Your claim will care about a different one. A policy can carry a headline limit well above 3 million baht and still cap the individual lines of treatment — room and board, surgery, and the rest — at figures that run out quickly.
Check what the limit attaches to before you buy, not just how large it is. How limits work explains the four ways Thai policies do this and why the same headline number means different things under each.
How much insurance do I need for a Non-OA visa?
TGIA states minimum cover of USD 100,000, accounted as 3 million baht, including treatment for Covid-19, for a first-year applicant. The certificate must be presented to immigration.
Does the O-A visa still require 40,000 baht out-patient cover?
Not as the current requirement. That figure appears in TGIA's O-A guideline under renewals before 1 September 2022. It remains current for the separate O-X visa.
Can I use insurance from my home country for the O-A?
Yes. A Thai or overseas insurer is acceptable, but an overseas policy needs TGIA's Foreign Insurance Certificate form signed by an authorised person at the insurer.
How old do I have to be for a Non-OA visa?
Fifty or over on the day the visa application is submitted.
Checked against TGIA’s O-A guideline on 2026-08-18. Consulates apply these differently and some ask for more than the minimum — confirm with the office handling your application.