AXA Thailand: Health Insurance for Expats Living in Thailand
AXA Thailand is among the top insurers providing health insurance for expats living in Thailand. Expats can choose from AXA EasyCare, which is tailored to comply with O-A, O-X, and LTR visas’ requirements, to the International Exclusive or SwitchCare that lend you regional, or even global, protection.
Health insurance can be the crucial element to your peace of mind and well-being in Thailand, and AXA has much to offer according to your needs. In this article, we’ll give a quick overview of AXA’s offering for expats in Thailand and how to find the best plan for yourself and your loved ones.
Why Expats Needs Health Insurance Living in Thailand
Health insurance ensures expats have access to quality healthcare. Though Thailand is leading the field for medical tourism, private hospitals in major cities like Bangkok can be costly, especially over time. Expats applying for long-stay visas will also need health insurance for visa requirements.
There are many good reasons expats should secure sufficient insurance before relocating to Thailand. Here are some you should consider:
Secure Access to Quality Healthcare
Thailand boasts some of the best healthcare facilities in the world, especially among the leading private healthcare providers in Bangkok. These quality facilities, at a glance, can be relatively affordable compared to healthcare in the West. However, over time, the bills can add up.
Health insurance can cushion you against these added-up bills, as well as offer you the ease of direct billing if you are receiving care at an in-network hospital.
Public Healthcare Limitations
Although Thai public healthcare is highly affordable, accessing public healthcare can be confusing and troublesome for expats, especially if you don’t speak Thai.
Most Thai public hospitals have limited English-speaking staff, and wait times can be especially long due to their affordability. Expats who value timely care can access doctors faster using private health insurance and private hospitals.
Visa Requirements
Expats planning to apply for Thailand’s O-X, O-A, and LTR visas must have sufficient health insurance for their stays in Thailand. The minimum coverage limits differ by the type of visa you are applying for:
- O-X visa—No less than THB 40,000 (US$ 1,236) of coverage limit for outpatient and no less than 400,000 baht of coverage limit for outpatient
- O-A visa–No less than THB 3,000,000 (US$ 100,000) in total sum insured per policy year
- LTR visa–At least US$ 50,000 (approx. THB 1,609,039) in insurance coverage or currently receiving social security benefits in Thailand or having a deposit of at least US$ 100,000 (approx. THB 3,217,842) in bank account
Keep Your Health Concerns at Bay
Thailand can be a huge change of scenery for many expats. This includes unfamiliar food and climate that might raise some healthcare concerns. The tropical nature of Thailand also means expats might have to deal with tropical diseases that are otherwise uncommon in their home country.
Having Thailand health insurance that can provide a sufficient coverage limit can put your mind at ease when it comes to seeking healthcare or consultation.
Further reading: Top 13 Diseases and Medical Conditions in Thailand that Expats Should Be Aware Of
AXA Thailand’s Health Insurance Offerings for Expats in Thailand
AXA Thailand, as one of the leading health insurance providers for expats in this Land of Smiles, offers several plans that are tailored to expats’ needs, from plans tailored to your visa compliance to plans that can protect you and your loved ones globally.
The following section will give you a quick overview of what AXA Thailand offers. For more detailed pricing, coverage limits, terms, and conditions, please contact our insurance advisor.
SmartCare Essential
Enjoy up to 10 million baht of coverage per illness as well as inpatient and outpatient cancer coverage. Expats can also add optional benefits for better protection, such as vaccination, checkups, and dental and vision care coverage.
SmartCare Essential Policy Highlights:
- Medical expense coverage up to 10 million baht per illness*
- Coverage for inpatient and outpatient cancer treatment
- Optional benefits, including vaccination, check-up, dental, and vision care
- Deductible options to reduce premium
- Renewable up to the age of 99
- Cash benefits in case of No Claim Compensation
* Depending on selected plan
| SmartCare Essential Plan at a Glance | |||||
| Benefits | Maximum Benefits (THB) | ||||
| Plan 1 | Plan 2 | Plan 3 | Plan 4 | ||
| Coverage limit (per illness) | 1,000,000 | 2,000,000 | 5,000,000 | 10,000,000 | |
| Inpatient room & board (non-intensive) | 3,000/day | 5,000/day | 10,000/day | 12,000/day | |
| Inpatient room & board (intensive) | 6,000/day | 10,000/day | 20,000/day | 24,000/day | |
| Inpatient medical fees (examination, treatment, blood component service, nursing, medicine, parenteral nutrition, and medical supplies) | Paid in full | ||||
| Inpatient physician’s examination | |||||
| Surgery | Paid in full*
(except for organ transplantation) |
||||
| Day surgery | Paid in full | ||||
| Minor surgery | Paid in full | ||||
| Non-inpatient cancer treatment (radiotherapy, interventional radiology, and nuclear medicine) |
Paid in full |
||||
| Non-inpatient cancer treatment (chemotherapy) | |||||
| Ambulance | 2,000 | Paid in full | |||
| Outpatient | Optional | ||||
| Wellness (vaccination, health checkups, optical care, dental treatment) | Optional | ||||
*This table is for informational purposes only. Please refer to the official brochure or speak with our insurance advisor for full details.
SwitchCare
SwitchCare offers international healthcare coverage as well as emergency coverage for expats who are always on the move. Depending on your selected plans and/or benefits, you can enjoy up to 30 million baht of medical coverage and protection starting from day one.
SwitchCare Policy Highlights:
- Medical expense coverage up to 30 million baht*
- Immediate protection from the first day*
- Choose your area of coverage in Asia or Worldwide excluding the USA.
- Cancer outpatient and inpatient coverage
- Worldwide emergency benefits outside area of coverage
*Depending on selected plan and/or benefits
| SwitchCare Plan at a Glance | |||||
| Benefits | Maximum Benefits (THB) | ||||
| Plan 1 | Plan 2 | Plan 3 | Plan 4 | ||
| Coverage limit (per policy year) | 3,500,000 | 7,500,000 | 15,000,000 | 30,000,000 | |
| Inpatient Room & Board (non-intensive) | 6,000/day | 8,000/day | 10,000/day | 12,000/day | |
| Inpatient Room & Board (intensive) | Paid in full | ||||
| Inpatient hospital general expenses | Paid in full | ||||
| Surgery | Paid in full | ||||
| Cancer care (inpatient & outpatient) | Paid in full | ||||
| Day surgery | Paid in full | ||||
| Minor surgery | Paid in full | ||||
| Ambulance for inpatient treatment | Paid in full | ||||
| Emergency outpatient per accident | 3,750 | 7,500 | 15,000 | Paid in full | |
| Emergency outside area of coverage (30 days per trip) | 1,125,000 | 2,813,000 | 5,625,000 | 11,250,000 | |
| Medical evacuation and repatriation | Paid in full | ||||
| Outpatient GP visits | Optional | ||||
| Outpatient specialist visits | Optional | ||||
| Outpatient medication | Optional | ||||
| Outpatient diagnostic tests (lab, x-rays, diagnostic, and pathology tests) | Optional | ||||
| Outpatient diagnostic imaging (MRI, CT, and PET) | Optional | ||||
| Dental care | Optional | ||||
| Vision care | Optional | ||||
| Maternity care | Optional | ||||
| Preventive care (health check-up, vaccination, etc.) | Optional | ||||
*This table is for informational purposes only. Please refer to the official brochure or speak with our insurance advisor for full details.
International Exclusive
One of the most comprehensive offerings for globally mobile expats, the International Exclusive plan provides coverage in Asia or worldwide, with up to 93 million baht in medical coverage. Expats can enjoy protection from the first day and coverage for pre-existing conditions and preventive check-ups.
International Exclusive Policy Highlights:
- Medical expense coverage up to 93 million baht*
- Immediate protection from the first day*
- Choose your area of coverage between Asia or Worldwide
- Coverage for pre-existing conditions*
- Coverage for health checkups and vaccinations*
- Worldwide emergency coverage outside area of coverage
*Depending on selected plan and/or benefits
| International Exclusive Plan at a Glance | |||||
| Benefits | Maximum Benefits (THB) | ||||
| Bronze | Silver | Gold | Platinum | ||
| Coverage limit (per policy year) | 48,000,000 | 58,000,000 | 74,000,000 | 93,000,000 | |
| Inpatient room & board (non-intensive) | ✓ | ✓ | ✓ | ✓ | |
| Inpatient room & board (intensive) | ✓ | ✓ | ✓ | ✓ | |
| Inpatient general hospital expense | ✓ | ✓ | ✓ | ✓ | |
| Surgery | ✓ | ✓ | ✓ | ✓ | |
| Day surgery | ✓ | ✓ | ✓ | ✓ | |
| Outpatient visits | ⤬ | ⤬ | ✓ | ✓ | |
| Diagnostic imaging (MRI, PET, Gait Scan) | ⤬ | ✓ | ✓ | ✓ | |
| Outpatient radiotherapy or chemotherapy | ✓ | ✓ | ✓ | ✓ | |
| Health checkup | ⤬ | ⤬ | ⤬ | 32,000 | |
| Pre-existing conditions (1st year) | ⤬ | ⤬ | 75,000 | ||
| Pre-existing conditions (2nd year) | 75,000 | ||||
| Pre-existing conditions (subsequent year) | 150,000 | ||||
| Dental service due to accident | ✓ | ✓ | ✓ | ✓ | |
| Vaccination | ⤬ | ⤬ | 38,000 | 48,000 | |
| Emergency outside area of coverage (30 days/trip) | ✓ | ✓ | ✓ | ✓ | |
| Maternity care | ⤬ | ⤬ | ⤬ | 440,000 | |
| Dental care | 38,000 | ||||
| Vision care | 9,000 | ||||
*This table is for informational purposes only. Please refer to the official brochure or speak with our insurance advisor for full details.
EasyCare
Tailored to comply with Thailand’s Long Stay Visa (O-A and O-X) and Long Term Resident (LTR) Visa, expats can avail themselves of coverage up to 4 million baht per confinement, outpatient benefits, and AXA’s extensive hospital network under this plan.
EasyCare Policy Highlights:
- Tailored for Thailand’s Long Stay Visa (O-A and O-X) and Long Term Resident (LTR) Visa
- Medical expense coverage up to 4 million baht per confinement
- Entry age up to 80 years of age and renewable up to 99 years of age
- Extensive hospital network
| EasyCare Plan at a Glance | |||
| Benefits | Maximum Benefits (THB) | ||
| Plan 1 | Plan 2 | ||
| Coverage limit (per confinement) | 2,000,000 | 4,000,000 | |
| Deductible per visit | 100,000 / 200,000 / 300,000 | ||
| Inpatient room & board (non-intensive) | 2,500/day | 4,000/day | |
| Inpatient room & board (intensive) | 5,000/day | 8,000/day | |
| Inpatient hospital general expenses | 30,000 | 150,000 | |
| Surgery | Paid in full | ||
| Day surgery | Paid in full | ||
| Minor surgery | Paid in full | ||
| Outpatient (1 visit per day/max 30 visits per year) | 1,500/visit
(Max 4,500/year) |
||
| Cancer care (inpatient & outpatient) | 100,000 | 100,000 | |
| Ambulance | 1,000 | 1,500 | |
*This table is for informational purposes only. Please refer to the official brochure or speak with our insurance advisor for full details.
Choosing the Best Health Insurance in Thailand
To choose a health insurance plan that will work best for you in Thailand, first review your coverage needs and budget, then compare plans thoroughly for any possible exclusions and unexpected terms and conditions.
Here are some key terms you want to look for and review when you are comparing your health insurance plans in Thailand:
Coverage Limits
Coverage limits refer to the maximum amount of money your insurance plan will pay for your claims. Coverage limits can come in different forms, such as annual limits, per-illness limits, or per-confinement limits. Make sure you clarify your coverage limits before purchasing a plan.
Deductibles and Copayments
Deductibles and copayments can help you reduce your insurance premiums, but they may contribute to higher costs upfront when you see a doctor. Here’s how they differ from one another:
- A deductible is a set amount of money you must pay out-of-pocket in a year before your health insurance kicks in. If your plan comes with a 1,000 baht deductible, that means you must spend 1,000 baht on your healthcare first before your insurance will cover you.
- A copayment is a fixed amount of money you have to pay each time you seek healthcare. If your plan imposes a 100 baht copayment for an outpatient visit, that means you have to contribute 100 baht each time you have an outpatient visit.
Network Hospitals
Receiving care at network hospitals usually gives you the additional benefit of the direct billing system, which lets your providers settle the bill directly with your insurer, saving you time and headaches from paperwork. The wider your insurer’s network is, the more options you have.
Exclusions
Certain issues may not be covered by your insurance. These are called ‘exclusions.’ Some common exclusions are:
- Pre-existing conditions
- Cosmetic or elective procedure
- Maternity care
- Dental care
There might be additional exclusions depending on your health. Always review your plan’s exclusions to ensure you get the coverage you need.
Waiting Periods
Some insurance policies may have a waiting period before your insurance kicks in. This can range from 30 days, 60 days, 90 days or up to 120 days. During this waiting period, your insurance will not cover you.
Renewability
Some insurance policies may have renewability limits based on your age or health conditions, which can result in coverage gaps or increased premiums for you should you need to switch plans.
Customer Service
Once you purchase your insurance, you might need to contact your insurer’s customer service to file your claims, obtain a Guarantee of Payment (GOP), renew your policy, or simply inquire about your coverage. Good customer service will be crucial for your pleasant experience throughout.
Let Us Find the Best Health Insurance in Thailand For You
With 25 years of experience in the insurance industry, Pacific Prime Thailand is here to leverage our expertise and deep ties with insurers to find the coverage that works best for you and your loved ones.
Whether you are looking for health insurance to obtain your visa, move to Thailand long-term, or simply looking for a brief visit, Pacific Prime’s insurance advisors are here to help.
Contact us now and let our advisors know about your needs and budgets. We are ready to go through all the nooks and crannies of health insurance in Thailand with you.
Frequently Asked Questions
Can foreigners buy health insurance in Thailand?
Foreigners who are working in Thailand under a work permit, are married to a Thai citizen, or are retired to live in Thailand long-term can purchase health insurance in Thailand.
What countries does AXA insurance cover?
The scope of your coverage will largely depend on your plans. Some AXA insurance plans, such as SwitchCare and International Exclusive, let you choose your coverage area, ranging from Asia to Worldwide.
Which is the best health insurance in Thailand for tourists?
Thailand has a robust insurance market with many top insurers offering insurance plans both for tourists and long-term expats. Some top insurers in Thailand are AXA, Allianz Ayuthaya, Pacific Cross, LUMA, April Thailand, and more.
Conclusion
Whether you’re looking for a health insurance plan to meet your visa’s requirement, a health insurance plan for your settling down in Thailand, or a health insurance plan that will cover you worldwide, AXA has a rich offering for you to choose from.
Contact our insurance advisor today for a free and more thorough comparison of which AXA plan can work best for you in your budget.
Coming to Pacific Prime, she is ready to utilize her experience for the new pursuit. With a strong passion for storytelling and writing, she hopes her words could help bring people closer to the best international health insurance plan that works for them. After all, as a writer, there is no greater honor than when one’s words can add clarity to the world of the readers.
Apart from writing, she is an avid planespotter. On the weekends, you can expect to find her loitering around the airport, gawking at all the aircrafts taking off and landing. When the weather does not permit planespotting, you can find her huddling on her cozy couch, watching ballet and figure skating as well.
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