FAQ – Frequently Asked Questions

Yes, you are insured for lifetime. AXA Thailand does not terminate after a claim.
Like many insurers, AXA have 5 year age brackets (46-50, 51-55, 56-60, …).
Premiums are recaculated at renewal and will increase when insured enters new age bracket.
All insurers also undergo periodical rate reviews based on medical costs in the region (hospital room rates, Surgeon fee, procedure prices, etc), and if medical costs increase greatly, then all insurers have the right to increase premiums accordingly.
NOTE: AXA Thailand have not increased their rates in the past 4 years and Thai hospital charges have remained stable for many years!

First time applicants accepted up to 65 (plus 364 days) with renewal up to age 99 years.
Experience rated renewals (previous years claims experience may impact on renewal premium).
Over 65 applicants must undergo a Physician Examination Report, the cost of which is reimbursed by AXA at a rate of 10% of premium up to a maximum of 7,500 Baht, provided that their offer to insure is accepted.

The average coverage of Room and Board in private hospitals in Thailand are 4000-6000 THB.
Smart and Silver Plan are both fine, especially since there is also hospital daily allowance of 1500 THB up to 45 days.
Of course there also exists more expensive rooms in private hospitals, especially in Bangkok, there VIP Rooms and Board could be 9000-10000 THB per day + hospital daily allowance.
So, the choice is yours.

Outpatient is only for Consultations and prescription, Diagnostic scans, Labs investigations, X ray, Ultrasound and Courses of Physiotherapy. All others is covered.

A daily hospital cash benefit provides a lump sum amount daily in case of hospitalization and this amount can be used per the insured’s need. The money can be used for meeting additional expenses that are not covered by health insurance or for even compensating the loss of income during the period of hospitalization.

The standard amount of all 3 plans are 1500 THB a day up to 45 days.
You could top this amount up to 5000 THB a day on request.

Life Insurance is automatically included in all 3 plans by 100,000.- THB in case of death.

No. You need to pay nothing in advance. All claims will be paid by AXA once ID and AXA health insurance card are presented at the hospital.

If you have AXA health insurance, all hospitals will bill your insurance carrier shortly after your visit, and your insurance carrier will pay your bill automatically. Your insurance company may contact you for additional information to process your claim. Please respond as quickly as possible to ensure you receive the maximum benefit from your coverage.

No. Your existing plan cover you in Thailand only.
Your domestic health insurance won’t cover for your medical expenses when you travel abroad.
Elective treatment outside of Thailand requires pre-approval by insurer in every instance.

For travel abroad you need an extra international travel health insurance.
Budgetcatcher could offer you an international travel health insurance from AXA as well for 2500 THB per year.

Additional 25 – 50% discounts for voluntary deductibles.
20% discount for inpatient only.

When applying Healthcare insurance in Thailand, AXA requires a Non Immigrant Visa once.
You cannot get a Lifetime Healthcare insurance if you do not have a Non-Immigrant Visa.
Once approved, your Visa type doesn’t matter anymore in future.