The official list, decoded • Updated August 2026

OIC Approved Insurance List for Thailand Retirement Visa

What “OIC-approved” actually means, who needs it, where the real list lives — and the one alternative route most guides forget to mention.

Short answer: “OIC-approved” means an insurer regulated by Thailand’s Office of the Insurance Commission — and for visa purposes, what immigration actually recognizes is the TGIA long-stay list maintained at longstay.tgia.org. You need it if you take the Thai-insurer route to O-A (or O-X) visa compliance. The route most guides forget: a foreign insurer can also qualify, via the official certificate signed and stamped, as long as coverage meets the current O-A floor of $100,000 USD / 3,000,000 THB (in force since October 1, 2021 — sources: MFA amendment, TGIA guideline).

We deliberately don’t reproduce the insurer list here: it changes, and an outdated copy on a blog is exactly how people buy non-compliant policies. We link the living official list and explain how to use it — the full requirement details are in our visa insurance guide.

Who actually needs the list

• O-A applicants and extenders choosing a Thai insurer: your insurer must be on the TGIA long-stay list, and the plan must meet the $100,000 USD / 3,000,000 THB floor with all medical benefits — at application and at every extension.
• O-X applicants: the Thai-insurer route runs through the same framework, but note the official figures for the O-X currently diverge between sources (TGIA: 400,000/40,000 THB; US embassy: $100,000 USD) — confirm with your embassy. Comparing the two visas? See O-X vs O-A.
• Who doesn’t need it: DTV applicants (different rules — see the DTV guide), tourists, and anyone taking the foreign-certificate route below.

The list itself — and how to use it without getting burned

The authoritative, current list of participating insurers lives at longstay.tgia.org — the Thai General Insurance Association’s long-stay portal, which is the reference immigration works from. Three rules for using it:

• Check the list the week you buy, not the blog post you read last year — participation changes.
• Being listed isn’t enough: the specific plan must meet the coverage floor. A listed insurer’s cheapest product may not.
• Get the visa certificate from the insurer, not a generic policy schedule — the certificate is what the immigration officer reads.

The official alternative: your foreign insurer + the certificate

Since the 2021 amendment, a foreign insurer can satisfy the O-A requirement: your existing international policy qualifies if it meets the $100,000 USD / 3,000,000 THB floor with all medical benefits, and your insurer completes the official foreign-insurance certificate, signed and stamped. Two practical warnings: a plain letter of coverage is not the certificate and gets refused; and many insurers will cover you happily but won’t sign a Thai government form — ask that exact question before you rely on this route.

Where we fit — honestly

The travel plans we compare on this site — SafetyWing, Genki — are not the standard O-A compliance route, and we won’t dress them up as one. What we do is build the visa file with you: matching your age, health and budget to an insurer that is both medically sound and compliant, TGIA route or certificate route. That’s individual work — one in ten of our requests is an O-A case — and it starts with one message.

💬 Send us your visa situation

Meanwhile, for the trip itself

Scouting trip, visa run, paperwork weeks — for the travel part (not the visa file), SafetyWing ($62.72/4 weeks at 18–39, ≈$218/month at 60–69) and Genki Traveler (from €52/month, up to age 69) are compared line by line in our SafetyWing vs Genki comparison. Neither is presented as O-A-compliant.

Frequently asked questions