High-limit health insurance for foreigners, Chubb Long Stay Visa Health Premium, for O-A visa holders who can pay the deductible themselves, with a limit of THB 3.5 million per year
- Updated: 29 October 2026
High-limit health insurance for foreigners, Chubb Long Stay Visa Health Premium, for O-A visa holders who can pay the deductible themselves, with a limit of THB 3.5 million per year
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums start from THB 9,600 per year, rising to THB 100,200 per year in the highest renewal age band
Key feature: inpatient limit of THB 3,500,000 per year on every plan
Premium data as of 29 October 2026 · compiled by Prakanthai.com
Many retired foreigners have enough savings to pay for minor treatment themselves, but worry about a serious illness where the bill runs into the millions, while standard visa insurance has an inpatient limit of only a few hundred thousand baht.
If you accept a large deductible, how much higher a limit do you get, and is it worth the risk of paying that amount yourself?
High-limit health insurance for foreigners, Long Stay Visa Health Premium: who is it for and how much does it cost?
In short: Chubb Samaggi Insurance's high-limit health insurance for foreigners, the Long Stay Visa Health Premium plan, suits foreigners living in Thailand on an O-A visa who have enough reserves to pay the first THB 300,000–1,000,000 of treatment per stay themselves. It covers inpatient treatment at actual cost after the deductible, with a total limit of THB 3,500,000 per year in Thailand. Premiums start from THB 9,600 per year (as of 29 October 2026). The actual premium depends on your age, the deductible you choose and the insurer's decision.
What does Long Stay Visa Health Premium cover?
| Coverage | Plan 1 / 2 / 3 (THB) | Conditions |
|---|---|---|
| Maximum limit per year | 3,500,000, all plans | – |
| Deductible for each hospital stay | 300,000 / 500,000 / 1,000,000 | Compulsory on every plan |
| Standard room, per day | 5,000, all plans | Including ICU, up to 365 days |
| ICU room, treatment, medication, doctors' fees, surgery, Day Surgery | Actual cost | After the deductible, up to the annual limit |
| Check-ups 30 days before and 60 days after a hospital stay | Actual cost | After the deductible |
| Follow-up outpatient care for 30 days after leaving hospital | Actual cost | After the deductible |
| Accident OPD within 24 hours, rehabilitation, dialysis, radiotherapy, chemotherapy, ambulance, minor surgery | Actual cost | After the deductible, up to the annual limit |
| Outpatient (OPD) | 2,000 | 1 visit per day, up to 30 visits per year |
| Death or disability from an accident (Or Bor 1) | 100,000 on all plans | Includes riding a motorcycle as rider or pillion passenger |
| Area covered | Thailand only | – |
After you buy, you receive a certificate of insurance to submit with your visa application, and your policy details are sent to the system of the Thai General Insurance Association so that immigration can check them.
Health insurance for foreigners with a THB 3.5 million limit: roughly how much is the premium?
Premium per person per year, from the insurer's sales brochure
| Age (years) | Plan 1 (deductible 300,000) / Plan 2 (500,000) | Plan 3 (deductible 1,000,000) |
|---|---|---|
| 1–17 | 23,700 / 19,100 | 12,700 |
| 18–50 | 17,600 / 14,700 | 9,600 |
| 51–60 | 27,600 / 22,300 | 14,500 |
| 61–70 | 37,100 / 35,500 | 26,800 |
| 71–80 | 74,800 / 56,700 | 36,700 |
| 81–100 (renewals only) | 100,200 / 93,100 | 68,500 |
Premiums are adjusted by age band every year. The actual premium depends on your age, the plan and the insurer's underwriting decision; the figure on your quote is the one that applies.
A worked example to illustrate
For an insured aged 55, comparing Plan 1 (THB 27,600 per year) with Plan 3 (THB 14,500 per year), the premium differs by THB 13,100 per year.
| Assumed eligible treatment cost per stay | Plan 1: you pay / insurer assesses for payment | Plan 3: you pay / insurer assesses for payment |
|---|---|---|
| THB 200,000 | 200,000 / 0 | 200,000 / 0 |
| THB 800,000 | 300,000 / 500,000 | 800,000 / 0 |
| THB 2,000,000 | 300,000 / 1,700,000 | 1,000,000 / 1,000,000 |
All of this sits within the room limit of THB 5,000 per day and the overall limit of THB 3,500,000 per year. These are hypothetical examples to give you a picture. A simple rule: the deductible you choose should not be more than the money you could really pay on the day you have to be admitted to hospital, because a bill in the hundreds of thousands of baht almost never leads to a claim on this plan.
Who is Long Stay Visa Health Premium for?
- Foreigners on an O-A visa who worry about a serious illness where treatment costs run into the millions of baht
- People with enough savings to pay for everyday treatment themselves, who want insurance only for the big bills
- People who want a higher annual limit than standard visa insurance, at a premium in the tens of thousands of baht
- Foreign families with children aged 1–17 who are also living in Thailand
Who should not buy this plan yet?
- People without reserves of THB 300,000 or more: every plan has a compulsory deductible for each hospital stay
- People who want to claim for small to medium treatment costs: bills below the deductible get no payment from the inpatient benefit
- People with a chronic or incurable condition: conditions that existed before the policy started are not covered
- People who need cover outside Thailand: cover applies in Thailand only
- People who want a high outpatient limit: OPD has a limit of THB 2,000, which can be used no more than once a day
What limitations should you check before deciding?
- The deductible applies to each hospital stay. If you are admitted twice for different illnesses, you bear the deductible twice. A repeat stay for the same illness within 90 days of leaving hospital counts as one stay.
- The room charge is limited to THB 5,000 per day on every plan. If you stay in a more expensive room, you pay the difference yourself
- 30-day waiting period: illness in the first 30 days is not covered.
- 120-day waiting period for tumours, cysts, cancer, haemorrhoids, hernias, pterygium or cataracts, removal of the tonsils or adenoids, stones, varicose veins and endometriosis.
- MRI, PET and CT scans must be reported to the insurer and approved in advance.
- Renewal premiums can be adjusted according to age band and claims history. You can renew up to age 100, subject to the insurer's underwriting criteria
- Key exclusions include pregnancy and childbirth, dental care, vision care, psychiatric care, alternative medicine, health check-ups and cosmetic surgery
For the minimum limit an O-A visa requires, and the difference between a new application and a renewal, read How much cover does O-A visa health insurance need? If you want a lower deductible than this (THB 100,000 or 200,000) in exchange for an inpatient limit in the hundreds of thousands of baht, see O-A visa health insurance, Chubb Long Stay Visa Health Plan.
Want to know the premium and choose the right deductible? What do you need to send?
Send just 3 things
- A copy of the passport page with the photo
- Your visa type and the date you want the policy to start
- Pre-existing conditions or past treatment history
Our team will send you a premium quote comparing all 3 plans, with examples of how much different sizes of bill would pay out, within a business day. Our team can communicate in English. If a plan is good value, we will tell you straight. If the conditions differ, we will explain the differences before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
Why is the premium for children aged 1–17 higher than for adults aged 18–50?
It is a rate the insurer sets by age band in its premium table, for example on Plan 1: THB 23,700 for a child and THB 17,600 for an adult aged 18–50. If you are buying for the whole family, ask for a separate quote for each person.
I already have insurance from my home country. Can I use both together?
Yes, if the terms of your existing policy allow it. The insurer will return your original receipts with confirmation of the amount already paid, so that you can claim the remainder from the other policy, for example the deductible of this plan.
Do this year's and next year's deductibles count together?
No. The limit and the counting of benefits start again each policy year, and the deductible applies to each hospital stay.
Within how many days must I send in claim documents?
Within 30 days of the date you leave hospital, using the original receipts. If a document is in neither Thai nor English, it must be translated by an accredited organisation.
Who approves underwriting and claims?
Underwriting and claim payments are decided by Chubb Samaggi Insurance. As your broker, Prakanthai.com helps coordinate and follows up on your case.
Notes
The coverage and premium information on this page is based on the sales brochure for Long Stay Visa Health Premium, health and accident insurance with a deductible, from Chubb Samaggi Insurance Public Company Limited, checked on 29 October 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, licence no. 5104000004. Please read the policy and the quote in full before deciding.
