Personal liability insurance for expats in Thailand
Many traditional liability policies require a residence in Germany. Anyone who lives in Thailand for a longer period therefore needs a solution that also works without a German residence. Our expat liability insurance protects you even then.
Good to know: Thailand
- According to the Royal Thai Embassy in The Hague, the Non-Immigrant O-A visa requires a minimum age of 50 and permits a stay of one year from the date of first entry. Check the details with the embassy responsible for you before applying.[1]
- For the LTR visa in the Wealthy Pensioners category, the Board of Investment requires health insurance covering the entire stay with at least USD 50,000 for hospitalisation and medical treatment.[2]
Our offer for you
Many traditional liability policies offer limited cover abroad, but require the policyholder to still have a residence in Germany. This is exactly where our solution comes in: our expat liability insurance protects you even if you already live abroad and no longer have a residence in Germany. A German correspondence address is not required either.
Within Europe, cover is unlimited in time. For countries outside Europe, cover applies for up to five years, with the option to extend it for a further five years.
Note: This expat liability insurance is an offer from our selected partners. We do not act as an insurer ourselves, but pass your enquiry on directly and without fuss to our partners.
Back to liability insurance overviewFrequently asked questions about Thailand
Do I need a residence in Germany?
No. Our expat liability insurance protects you even if you already live abroad and no longer have a residence in Germany. A German correspondence address is not required either.
How long does cover last if I live in Thailand?
Within Europe, cover is unlimited in time. For countries outside Europe, cover applies for up to five years, with the option to extend it for a further five years. We will clarify with you in a personal consultation which rule applies to your place of residence.
How much does the expat liability insurance cost?
The annual premium is EUR 79.73 for the Single variant and EUR 109.48 for the Family variant, in each case including insurance tax.
Who is the insurer?
The expat liability insurance is an offer from our selected partners. We do not act as an insurer ourselves, but pass your enquiry on directly and without fuss to our partners.
How long can I stay in Thailand with an O-A visa?
According to the Royal Thai Embassy in The Hague, the Non-Immigrant O-A visa requires a minimum age of 50 and permits a stay of one year from the date of first entry. Check the details with the embassy responsible for you before applying.
Make a non-binding enquiry now
Do not hesitate to contact us. We are here to help you.
Sources
- Non-Immigrant Visa O-A (long stay) – Royal Thai Embassy The Hagueretrieved on 25 October 2026
- Required documents: Wealthy Pensioners (06-11-2025) – Thailand Board of Investment, LTR visaretrieved on 25 October 2026