Thailand O-A and O-X: check the insurance rule for your route.

THB 40,000/400,000 and USD 100,000 are not interchangeable Thai insurance rules. The first pair appears in current O-X guidance and historical O-A renewal text. For a first-year O-A application, TGIA and the Royal Thai Embassy in Vienna state USD 100,000 or THB 3,000,000, including Covid-19 treatment.

Correction, 6 September 2026: this article previously described the smaller figures as historical without retaining their current O-X scope. It also drew too much from TGIA’s historical renewal paragraph. The table below distinguishes the route and what the reviewed source actually establishes.

Read the category with the number

Route or stage	Published insurance position	Evidence to check
O-A, first year	USD 100,000 or THB 3,000,000 including Covid-19	TGIA and the relevant embassy’s policy dates and certificate instructions.
O-X	THB 400,000 inpatient and THB 40,000 outpatient per policy year	TGIA specifies a Thai policy throughout the stay and a certificate for each applicant.
LTR principal applicant	USD 50,000 cover, current Thai social-security benefits or qualifying USD 100,000 deposit	BOI specifies at least twelve months for the bank-balance route; other eligibility requirements apply.
LTR dependant	USD 50,000 cover, current Thai social-security benefits or qualifying USD 25,000 deposit per dependant	BOI’s ownership, duration and dependant conditions apply.
O-A extension or another category	Obtain the current route-specific checklist	A first-year O-A page or old renewal paragraph does not establish every current extension condition.

The O-A dollar and baht amounts are stated alternative thresholds in the instructions, not an exchange-rate calculation for budgeting a premium. An insurance requirement also does not establish eligibility for the rest of the visa route.

Why older figures cause confusion

TGIA’s O-A page has a section labelled for renewals before September 2022. Reading a number without that heading loses the date and application stage. Its O-X page uses the smaller amounts for a different category. Both the source and the context matter.

A current extension check should therefore use the office handling the file. Request the relevant instruction and document list. This article does not infer a current renewal rule solely from the historical paragraph, nor claim an undocumented pattern of different enforcement across offices.

Check the certificate before buying

The Royal Thai Embassy in Vienna’s O-A instructions require whole-stay health cover and accept Thai or foreign insurance subject to the stated conditions. They also ask for the prescribed Foreign Insurance Certificate, completed, signed and stamped by the insurer.

Ask the proposed insurer whether it can issue the evidence for your application. Provide the actual form and dates. A policy summary with a sufficiently large annual limit is not the same thing as a completed certificate, and this embassy’s checklist is not a promise that every post accepts every international policy.

For O-X, check the Thai-policy requirement and each family member’s certificate. Do not assume one spouse’s arrangements automatically settle the other’s route.

Separate visa evidence from treatment suitability

A qualifying medical limit does not tell you whether a pre-existing condition is accepted, whether a particular admission requires approval, or whether your preferred hospital can bill the insurer directly.

Compare the exact plan on:

• Accepted medical history and exclusions, including any waiting periods.
• Inpatient, outpatient and prescribed-treatment benefits.
• Deductible, co-insurance and any sublimits.
• Hospital access, direct billing, prior authorisation and deposits.
• Evacuation destination and approval conditions.
• Joining age, renewal and what changes after a move.

There is no basis here to assume that a stronger policy costs only a little more than a minimum policy. Request quotes on the same personal and benefit assumptions. The country health cost index gives benchmark context for international cover, not the price of a visa-compliant product for you.

A deposit alternative is not insurance

The LTR evidence options can include funds rather than a policy. That answers the relevant visa condition; it does not create a promise to pay medical bills. You still need a deliberate treatment and funding plan. Confirm both the whole LTR eligibility route and the precise bank evidence with BOI before relying on this alternative.

Review before renewal or another move

An existing policy may already accept a medical history that a new application would reassess. Compare the renewal and any proposed replacement before cancelling. If your next country changes, ask whether the current contract can continue and on what terms; neither a local-policy label nor an international label settles that question.

The Thailand country guide compares public, Thai private and international options. Use the insurer comparisons for the relevant product trade-offs, or start with an existing-policy review if you are considering a switch.