Need covid insurance, longstay expat farang over age 75

[aladdin]

Any sources for Covid insurance for the healthy over 75 set?  We're condo owners in THailand, have the appropriate bank accounts for long stay Non O visas, now expired. We want to return to Thailand, seems the insurance folks have nothing for older folks. How to qualify for the reentry requirements if one is MATURE in years? Resource info welcome

[MelBurn]

Trawick International.   https://www.trawickinternational.com/

Their medical insurance includes covid

[aladdin]

Need coverage for age 78 person. Insurance companies listed in Thaiger all cut off at age 75

[riclag]

38 minutes ago, aladdin said:

Any sources for Covid insurance for the healthy over 75 set?  We're condo owners in THailand, have the appropriate bank accounts for long stay Non O visas, now expired. We want to return to Thailand, seems the insurance folks have nothing for older folks. How to qualify for the reentry requirements if one is MATURE in years? Resource info welcome

Try pacific  prime! I don't know if there is a age limit

https://www.pacificprime.co.th/plans/travel-insurance/

[Faz]

Hi Aladdin,

If your current extension of stay has expired your obviously going to have to start from scratch by obtaining a new Non O Visa from the Thai Embassy, unless you enter VE or TV and apply for the Non O at your local Immigration office.

The Covid Insurance must cover the period of stay granted on entry, so for entry with a Non O Visa you'll need cover for 90 days.

I recommend https://covid19.tgia.org/ the Thai approved website for Covid Insurance issued to up to 99 years of age.

[riclag]

16 minutes ago, Faz said:

Hi Aladdin,

If your current extension of stay has expired your obviously going to have to start from scratch by obtaining a new Non O Visa from the Thai Embassy, unless you enter VE or TV and apply for the Non O at your local Immigration office.

The Covid Insurance must cover the period of stay granted on entry, so for entry with a Non O Visa you'll need cover for 90 days.

I recommend https://covid19.tgia.org/ the Thai approved website for Covid Insurance issued to up to 99 years of age.

Sorry,  I didn't mean to put tgia on the back burner by offering another option . Someone said that the options listed in Thaiger all cut off at age 75

[Faz]

Thailand General Insurance Association (tgia) - nothing to do with the Thaiger website or Thaiger Talk forum.

11 minutes ago, riclag said:

Someone said that the options listed in Thaiger all cut off at age 75

They were correct, the Thaiger only offer the Covid Insurance up to age 75 because it also includes personal accident cover not related to Covid. https://thethaiger.com/covid-19/insurance/

The Thaiger Talk forum staff and the Thaiger staff are totally independent of each other.
 

[BlueSphinx]

 

Re the 100.000 US $ covid-19 insurance > That insurance is MANDATORY for anybody currently entering Thailand and needs to cover the period of the permission to stay for which you will be stamped in by Thai border-immigration on arrival.  Depending on the Visa on which you enter that permission to stay will be 45, 60, 90, 180 or 365 days.

If your current foreign/international health-insurance or your travel-insurance does not meet the covid-19 coverage of at least 100.000 US $ (for the required period), there are several options for meeting that insurance requirement. 

1 - The Thai TGIA insurance < https://covid19.tgia.org/ > is rather expensive as it ONLY provides coverage for covid-19 treatment.  But the main advantage with that Thai policy is that you can subscribe to it till 99 years of age (and there is NO difference in premium per age-category which is of course ridiculous from an insurance perspective).

2 - When flying Emirates, you will get FREE 100.000 US $ covid-19 insurance included in the ticket-price.  This for 30 days when booking one-way (which is not sufficient to cover the permission to stay you would receive on entry), but the insurance would cover the full period of your trip when booking a return-flight.  In his case, booking a flexible return-ticket with return date after permission to stay expiry could be a worthwhile option, if you intend to fly back say within 12 months.

3 - If you are under 75 years of age you might also consider AXA Sawasdee travel-insurance < https://direct.axa.co.th/TA-Inbound/CoverageOptionPlan?tag=axa-sawasdee-thailand-travel-insurance >.  That - very reasonably priced - full travel-insurance policy provides covid-19 coverage as part of its very decent coverage of any accident/illness you might encounter while in Thailand.  You can subscribe to it for 3, 6, 9 or 12 months (it has to cover the period of the permission of stay you will receive on entry).  Note that this policy actually also meets the 400K/40K health-insurance requirement (which might be required when entering on a Non Imm O < retirement >, O-A or O-X Visa).

4 - When under 70 years of age, the SafetyWing travel-insurance policy < https://safetywing.com/nomad-insurance > is also a worthwhile option as it will provide accident/illness cover of 250.000 US $ (including covid-19 coverage).  And that FULL travel-insurance policy sells at at premium of 40 to 130 US $ per month depending on your age, which is even LOWER than the limited covid-19 only Thai insurance premium (#1).  Additional advantage - compared with Axa Sawasdee - being that you can set the end-date of that policy (so no need to subscribe for a period longer than ther permission to stay, you will receive on entering Thailand).

>> If you do not have an international or travel-insurance policy that meets the 100.000 US $ covid-19 coverage requirement for the required period, I would recommend following:

- When foreseeing to return to your home-country within 12 months of your departure, to consider flying Emirates and use their free covid-19 insurance policy;

- When over 75 years of age, to make use of the TGIA Thai insurance as you will not find any other insurer willing to provide such a policy at that age;

- When under 75 or 70 years of age, to compare the conditions of the Axa Sawasdee travel-insurance and the SafetyWing travel-insurance policies, and opt for the one that provides best value for money.

Cheers and success on coming back to LoS!

 

[MelBurn]

Your options also depend on your country of residence. Trawick will provide coverage but it's going to cost you. For a US couple, 75 y.o., $100K limit, $1000 deductible - $2100 for 3 months.

[MelBurn]

Actually $1500. See attached.

Quote Results - Trawick International, Inc_.pdf

[Faz]

11 hours ago, MelBurn said:

Actually $1500. See attached.

Quote Results - Trawick International, Inc_.pdf 172.01 kB · 1 download

Ouch! That equates to over 48,000 BHT for 3 month Covid cover.

https://covid19.tgia.org/
12,160 for a US national for 90 days Covid cover.

[BlueSphinx]

14 minutes ago, Faz said:

Ouch! That equates to over 48,000 BHT for 3 month Covid cover.

https://covid19.tgia.org/
12,160 for a US national for 90 days Covid cover.

Or book your flights with Emirates, which provides FREE Thai CoE compliant covid-19 insurance coverage for the period till your return date or 1 year after arrival, whatever comes first.

https://www.emirates.com/th/english/before-you-fly/multi-risk-travel-insurance/

[Faz]

19 minutes ago, BlueSphinx said:

Or book your flights with Emirates, which provides FREE Thai CoE compliant covid-19 insurance coverage for the period till your return date or 1 year after arrival, whatever comes first.

https://www.emirates.com/th/english/before-you-fly/multi-risk-travel-insurance/

If you’re flying on a one‑way trip, the cover ends 48 hours after you arrive at your final destination. Cover for emergency medical expenses and overseas quarantine allowance expire 31 days after arriving at your final destination.
https://www.emirates.com/th/english/before-you-fly/multi-risk-travel-insurance/

FAQ's https://c.ekstatic.net/ecl/documents/before-you-fly/multi-risk-travel-insurance-faqs.pdf?h=_4vFoemLSIMxG_zq0fsk6g
6. What is the duration of this coverage if I have a one-way ticket? For one-way tickets, the following benefits end 31 days after your arrival at your final destination outside of your country of residence:
x Emergency Medical Expenses
x Emergency Medical Evacuation/Transportation expenses
x Emergency Dental Treatment x Repatriation of Mortal Remains
x Hospital Daily Cash Benefit
x Overseas Quarantine Allowance
All other benefits will expire 48 hours after you arrive at your final destination outside of your country of residence

[BlueSphinx]

1 hour ago, Faz said:

If you’re flying on a one‑way trip, the cover ends 48 hours after you arrive at your final destination. Cover for emergency medical expenses and overseas quarantine allowance expire 31 days after arriving at your final destination.
https://www.emirates.com/th/english/before-you-fly/multi-risk-travel-insurance/

FAQ's https://c.ekstatic.net/ecl/documents/before-you-fly/multi-risk-travel-insurance-faqs.pdf?h=_4vFoemLSIMxG_zq0fsk6g
6. What is the duration of this coverage if I have a one-way ticket? For one-way tickets, the following benefits end 31 days after your arrival at your final destination outside of your country of residence:
x Emergency Medical Expenses
x Emergency Medical Evacuation/Transportation expenses
x Emergency Dental Treatment x Repatriation of Mortal Remains
x Hospital Daily Cash Benefit
x Overseas Quarantine Allowance
All other benefits will expire 48 hours after you arrive at your final destination outside of your country of residence

Yes, it doesn't work on a one-way trip, as that only provides 1 month coverage which is not sufficient to cover the required permission to stay you will receive on entry.  But a return ticket will cover the full period till your date of return flight or 1 year whatever comes first.  So those who plan to return within 1 year to their home destination will always be best of with this FREE Emirates travel-insurance included in the ticket price.