Long Stay Visa Health Insurance by Pacific Cross Thailand: Seamless Coverage for O-A and O-X Visa Holders

Thailand has become one of the world’s most popular destinations for retirees, long-term expats, and global citizens seeking stability, affordability, and access to high-quality healthcare. To support this lifestyle, the Thai government offers Long Stay Visas, specifically the Non-Immigrant O-A and Non-Immigrant O-X visas.

Both visa types require approved health insurance coverage, and that’s where Pacific Cross Thailand comes in. With over 75 years of experience providing trusted healthcare coverage in Asia, we offer compliant, easy-to-manage insurance solutions that meet the legal and practical needs of long-stay foreigners living in Thailand.

Understanding the Long Stay Visa Options

The O-A Visa (1-Year Stay, Renewable Annually)

• Available to foreign nationals aged 50 or older
• Allows a 1-year stay in Thailand, renewable annually
• Must apply at a Thai embassy/consulate in your home country
• Re-entry requires a multiple re-entry permit to be obtained from Thai Immigration
• 90-day reporting to Immigration is required
• No nationality restrictions (open to citizens of all countries)

The O-X Visa (5-Year Stay, Renewable Once)

• Only available to nationals of 18 approved countries:
  Japan, South Korea, Australia, New Zealand, Denmark, Finland, France, Germany, Austria, Italy, Netherlands, Belgium, Norway, Sweden, Switzerland, United Kingdom, Canada, and the United States
• Grants a 5-year stay, renewable once (total of 10 years)
• Multiple re-entry allowed without additional paperwork
• 90-day reporting to Immigration still applies

These visas are ideal for retirees, long-term residents, and foreigners looking for stable residency options in Thailand.

Health Insurance Requirement for Long Stay Visa Holders

The Thai Immigration Bureau requires that both O-A and O-X visa applicants obtain approved health insurance from a licensed Thai insurer. Coverage must meet the minimum standards and be maintained continuously.

Minimum Coverage Includes:

• Outpatient and inpatient care
• Medical coverage of at least 40,000 Baht (OPD) and 400,000 Baht (IPD)
• Policy issued by a Thai-licensed insurance provider
• Must cover the full visa duration

Pacific Cross Thailand provides long stay visa-compliant insurance solutions that are:

• Fully aligned with Thai Immigration regulations
• Offered with bilingual support and documentation
• Accepted by embassies and immigration offices nationwide

Financial Requirements for O-A and O-X Visas

In addition to valid medical insurance, visa holders must prove adequate financial means to support their stay in Thailand.

O-A Visa Financial Requirements:

• Proof of 800,000 Baht in a Thai bank account,
  OR
• A monthly income of 65,000 Baht,
  OR
• A combination of income + savings totaling at least 800,000 Baht

O-X Visa Financial Requirements:

• Proof of 3 million Baht deposited in a Thai bank,
  OR
• 1.8 million Baht in a Thai bank + 1.2 million Baht in annual income
• The funds must be maintained for 1 year in full, then no less than 1.5 million Baht thereafter

These requirements emphasize the importance of financial stability and health protection for visa eligibility.

Why Choose Pacific Cross Thailand for Long Stay Visa Insurance?

With decades of experience in serving expatriates and retirees in Asia, we understand what long-term foreign residents need when it comes to navigating healthcare and immigration regulations in Thailand.

Here’s why thousands trust us:

✅ O-A and O-X Visa-Compliant Plans

All policies meet Thai Immigration standards, including the required IPD/OPD minimums and certified documentation.

✅ Flexible Plans for Every Lifestyle

Customize your coverage with options such as:

• Outpatient and inpatient care
• Dental, vision, and wellness add-ons
• Pre-existing condition coverage (based on underwriting)

✅ Nationwide Cashless Hospital Network

Over 550 hospitals and clinics across Thailand, including in Bangkok, Chiang Mai, Phuket, Hua Hin, and more.

✅ Bilingual Customer Service

Our staff provide seamless support in English and Thai—ideal for expats navigating a foreign system.

✅ Quick Claims and Renewals

Get help fast, with responsive claims processing, easy renewals, and documentation ready for your annual visa extension.

Who Is This Insurance Plan For?

• Retirees relocating to Thailand full-time
• Foreign spouses or dependents of Thai nationals
• Digital nomads or consultants transitioning into long-term stays
• Global citizens seeking permanent or seasonal Thai residency
• Applicants of O-A and O-X visas needing fast, compliant insurance

Whether you’re moving from Europe, the US, Australia, or Japan, our plans ensure your visa application or renewal is supported by the right documentation and protection.

Fast, Simple Enrollment Process

Step 1: Contact Pacific Cross Thailand

Reach out through our official website or speak to an agent for personalized support.

Step 2: Select Your Plan

Choose a policy that matches your visa type, health needs, and budget.

Step 3: Submit Documentation

We’ll provide the insurance certificate in Thai and English, ready for your embassy or immigration appointment.

Step 4: Enjoy Long-Term Protection

Your coverage begins immediately after activation, with access to our full hospital network and support services.

Explore Long Stay Visa Insurance Today

Your long-term journey in Thailand should begin with confidence and security. With Pacific Cross Thailand, you're choosing an insurer that not only understands immigration requirements—but delivers long-term care, built around your lifestyle.

Whether you're planning to retire on a Thai island or relocate to Bangkok's city center, our long stay visa insurance makes life easier.

Learn more or get a quote now:
🌐 www.pacificcrosshealth.com

Pacific Cross Thailand—your partner in retirement, relocation, and real peace of mind.

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