LMG Insurance was founded in 1975 under the name Narai International Insurance Co. Ltd.). The LMG group is a world leader in insurance and is one of the world's leading insurance providers (backed by the Liberty Mutual Insurance Group in the US). Their Universal Long Stay Visa plan is designed to meet the insurance needs for foreign nationals looking for an insurance with good coverages and one of the most affordable premiums for cover for the O-A visa requirements.

Some of the highlights:

Direct payment to private hospitals in case of a hospitalization

Annual limit 3,500,000 THB

Full medical cover in Thailand

Experienced rated plan

Wide network of contract hospitals

Outpatient cover included

Renewable up to 99 years of age

3 deductible options 300,000 THB / 500,000 THB / 1,000,000 THB (per confinement)

Exclusions

As all Thai Insurance Companies, LMG has standard exclusions and waiting periods. The most important ones are:

Pre-existing conditions may be excluded or accepted under special terms.

There is a waiting period of 120 days for a number of chronic diseases, such as cancer, hernia, etc.

For everyone that had no health insurance prior to the new health insurance has a waiting period of 30 days for all diseases.

The complete and most up to date information of the LMG Universal Plus – LONG STAY VISA Plus plan ( 100,000 USD) may be downloaded via the links below.

In case you are not familiar with some definitions used, please click here for a detailed explanation.

LMG Application Form

Universal Plus Long Stay VISA Wording (EN)

LMG Long Stay VISA Plus brochure (ENG)