I don't know where you think you're getting this from but it's wrong. Thinking of suicide without planning is sufficient in every definition I have ever seen and every definition I can find online. There is a typical distinction between active ideation and passive ideation, where the former includes planning-- perhaps that is your confusion. Or perhaps you think a person with suicidal ideation must be suicidal; that isn't the case.
Mental thoughts and images which hinge around committing suicide.
McGraw-Hill Concise Dictionary of Modern Medicine
recurring thoughts of or preoccupation with suicide
Miller-Keane Encyclopedia and Dictionary of Medicine, Nursing, and Allied Health
Planning is definitely not necessary-- as the term is often specifically opposed to planning. E.g. One of the DSM criteria for "Major Depressive Episode" is " recurrent suicidal ideation without a specific plan".
So someone who volunteers at a suicide hotline regularly automatically meets one criteria for 'major depressive episode'?
I sometimes have thoughts of suicide. That does not mean I would ever come within a mile of committing the act of suicide. But my brain does simulate it; though I do try to always reduce such thoughts.
But what I have noticed is that 'suicide' is triggered in my mind whenever I think of some embarrassing event, real or imagined. Or an event in which I'm obviously a low-status actor. This leads me to think that suicide might be a high-status move, in the sense that its goal is to recover status after some event which caused a big drop in status. Consider the following instances when suicide is often considered: