FINANCIAL ADVISOR AIA: 686435 I เลขที่ใบอนุญาตตัวแทน 6701017962 I ใบอนุญาตผู้แนะนำการลงทุนประเภทตราสารทั่วไป (IC License): IC 136052
Expat Insurance Planning
Health Insurance Planning with an English-speaking financial advisor to design a health insurance plan
Find health insurance solutions designed for expatriates and international families living in Thailand. Enjoy access to cashless treatment at a nationwide network of partner hospitals, with coverage options that can support long-term residency and LTR visa requirements.
Having the right health insurance in place can help protect both your health and your financial wellbeing, giving you greater peace of mind when unexpected medical expenses arise. Receive personalized guidance from a fluent English-speaking financial advisor who understands the unique needs of expatriates living in Thailand and can help you choose a plan that fits your lifestyle, healthcare preferences, and long-term goals.
Eligible Foreigners for AIA Insurance Plans
Foreign applicants may be eligible if they hold a qualifying long-term visa, such as a Non-Immigrant B Visa, Retirement Visa (O-A/O-X), LTR Visa, Thailand Elite Visa, Smart Visa, or other approved visa categories. Eligibility requirements may vary depending on the applicant's residency status, age, and selected insurance plan.
Foreign applicants are generally required to provide:
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Valid Passport
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Current Visa
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Work Permit or Proof of Residency
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Additional financial documents (if required) a
Documents Required for Foreign Applicants
Note
*A face-to-face meeting with a licensed AIA agent is required for application signing and identity verification.
** Additional documents may be requested depending on the selected plan and underwriting requirements.
Visa Requirements
Certain long-stay visa categories, including O-A and O-X Retirement Visas, require applicants to maintain health insurance that meets government requirements. It is important to review the latest visa regulations when planning your coverage.
Local vs. International Health Insurance
Health insurance options generally fall into two categories:
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Local Thai Health Insurance – Typically offers comprehensive coverage within Thailand at a more affordable premium.
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International Health Insurance – Provides broader geographic coverage and may be suitable for individuals who travel frequently or live in multiple countries.
The right choice depends on your lifestyle, healthcare preferences, and long-term plans.
Pre-Existing Medical Conditions
Health insurance applications are subject to medical underwriting. Depending on the insurer and the applicant's health history, pre-existing medical conditions may be excluded from coverage, covered with specific conditions, or become eligible after a waiting period.
Professional Guidance Matters
Understanding policy benefits, exclusions, waiting periods, and eligibility requirements can be complex. Working with an experienced advisor can help you compare options and select coverage that aligns with your healthcare needs and financial goals.
AIA Retirement Insurance
(For O-A Visa)
Do You Need Health Insurance for
a Thailand Retirement Visa (O-A Visa)?
Yes. Applicants and holders of a Thailand Retirement Visa (O-A Visa) are required to maintain health insurance coverage throughout their stay in Thailand.
To meet the visa requirements, the policy should provide at least:
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THB 40,000 coverage for outpatient medical treatment
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THB 400,000 coverage for inpatient hospitalization
Having suitable health insurance not only helps satisfy visa regulations but also provides valuable financial protection against unexpected medical expenses while living in Thailand.
AIA Health Insurance Solutions for Retirement in Thailand
Consult our Financial Advisor
AIA Health Happy (Thailand Coverage)
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Medical coverage up to THB 25 million per policy year
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Suitable for retirees seeking comprehensive healthcare protection within Thailand
AIA Infinite Care (Worldwide / Worldwide Excluding USA)
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Medical coverage up to THB 60 million per policy year
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Ideal for expatriates and retirees who require international medical coverage