Thailand
Long-Term Resident (LTR) Visa: health insurance requirements
Yes: health insurance is required
Yes. Thailand's Long-Term Resident (LTR) visa requires health insurance with at least $50,000 of coverage, valid for at least 10 more months at endorsement. You can substitute one of two alternatives: a deposit of $100,000 held for a year, or social-security cover that pays for treatment in Thailand. The LTR is a 10-year visa for higher earners, pensioners, and remote professionals, and the requirement applies across its categories.
The requirements at a glance
| Minimum coverage | $50,000 |
|---|---|
| Minimum policy duration | 10+ months remaining at endorsement |
| Local-licensed insurer required | No: compliant international IPMI is accepted |
| Accepted proof | Policy/certificate showing at least $50,000 medical coverage and 10+ months remaining validity. International policies accepted; a $100,000 12-month deposit or qualifying social-security cover can substitute. |
The insurance condition can be met by $50,000 cover, a $100,000 deposit held 12 months, or social security covering treatment in Thailand. Income/asset thresholds vary by category (Wealthy Global Citizen, Wealthy Pensioner, Work-from-Thailand Professional, Highly-Skilled). Verified against the BOI LTR portal on 2026-06-20.
Our take
$50,000 is a low ceiling for a serious admission at an international hospital and well below an evacuation, so use it as the paperwork minimum and insure higher.
The deposit alternative locks up real money for a year, so for most people a compliant policy is cheaper than parking $100,000. If you go the insurance route, make sure it still has 10 months of validity at endorsement, which trips up applicants who buy too early.
What happens if you get it wrong
Without $50,000 cover, the deposit, or qualifying social security, the LTR is not endorsed.
A policy that drops below the 10-month validity window at endorsement counts as non-compliant even if you are technically insured. Letting cover lapse during the visa undermines the basis it was granted on.
Interactive
Verified pricesWhat would it cost in Thailand without insurance?
You pay, out of pocket
$5,000–$30,000
A serious accident or admission at an international hospital.
Bars to scale. A flight home is in another league.
That is the bill you carry alone. Insurance exists for exactly this.
See what cover costsTypical private-care estimates for illustration, not a quote. Actual bills vary by hospital, city and severity.
FAQ
At least $50,000 of health coverage with 10+ months validity remaining at endorsement. A $100,000 deposit held for a year or qualifying social security can substitute.
Yes. A $100,000 deposit held at least 12 months is an accepted alternative, as is social-security cover for treatment in Thailand.
No. International health insurance is accepted as long as it meets the $50,000 minimum and the validity window.
Ten years, issued as five years plus a five-year renewal.
No, the DTV has no national insurance requirement, though some consulates ask. See the Thailand DTV page.
Reviewed by Lukas Schönberg, Founder & researcher, Nomad Insurance Broker OÜ
Nomad Insurance Broker OÜ (Estonia) is an information and matching platform, not currently registered as a regulated insurance intermediary in any jurisdiction. See /how-it-works for the full disclosure.
Source: ltr.boi.go.thLast verified
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