AXA Insurance Review and Comparison
Whether it’s for health, travel, or motor vehicle insurance, AXA Thailand offers some great insurance products to make sure that you’re covered.
AXA Insurance Review and Comparison
Whether it’s for health, travel, or motor vehicle insurance, AXA Thailand offers some great insurance products to make sure that you’re covered.
Finding the Right Health Insurance from AXA
It can often be difficult to know which health insurance to buy in Thailand. Each insurer offers unique benefits from one another, and their policies also have different tiers which can make finding the right one even more difficult.
To help with that, below you’ll find the general and specific policy benefits that AXA Thailand has to offer.
What sets AXA Thailand apart from other Thai insurers?
Being part of a large international insurance group, AXA Thailand is more modern with its application process and area of cover.
Customers are able to buy their health insurance directly online, without the need to go through an agent, broker, or branch office. This is a key point that foreigners living in Thailand often struggle with.
When purchasing health insurance, customers are also offered a choice of whether to extend their health coverage from Thailand to a larger geographical area, such as Asia or worldwide.
Overview
The three main health insurance products from AXA are called, SmartCare Essential, SwitchCare, and International Exclusive.
All plans have the following benefits:
- Chemotherapy (cancer) cover
- Comparatively high hospital room rates
- Telehealth
- No claim discount (5% per year)
- Family discount (5%-10%)
- Cashless claim in AXA hospital network
- Optional: Deductible discount
Policy Benefit Highlights
Below you’ll find a summary of the top three health insurance policies from AXA Thailand. They are in order of cost (premium), however, each policy has 4 plans that differ in higher medical expenditures or additional benefits.
*Please refer to the policy brochure for additional information and terms and conditions.
AXA SmartCare Essential
Affordable health care covering the essential medical costs
- Medical expense cover from 1 mill to 10 mill baht
- Cover for both Inpatient and Outpatient Cancer Treatment
- No claim cash benefit
- Optional: OPD, Dental, Optical, Wellness Checkup
Area of Cover available:
*Thailand cover only
AXA SwitchCare
Wider coverage with greater medical expense cover and benefits
- Medical expense cover from 3.5 mill to 30 mill baht
- Essential Plan benefits plus more
- More benefits paid as-charged
- Co-payment option possible
- Additional optional: OPD for Lab, X-rays, Diagnostic (CT,MRI,PET)
- Additional optional: OPD for Physiotherapy, Homeopathy
- Additional optional: Maternity
Area of Cover available:
- Asia excluding China, Hong Kong, Singapore, Macau and Taiwan
- Asia
- Worldwide excluding USA
AXA International Exclusive
International cover with the highest cover from AXA Thailand
- Medical expense from 48 mill to 93 mill baht
- SwitchCare benefits plus more
- IPD mostly as-charged
- Many OPD benefits included in core offering
- Organ transplantation & Prosthetics
- Great Pre and Post-hospitalization benefit
Area of Cover available:
- Asia
- Worldwide excluding USA
- Worldwide
AXA Health Insurance Premium Tables
The insurance premium depends on the following factors:
- Insured age
- Policy plan (1,2,3,4)
- Area of Cover
- Standard IPD, or IPD with OPD
- Whether you want the optional deductible or co-payment
For your reference, below you’ll find some of the premium tables. If you don’t find the premium you’re looking for (for example you want to add other regions, deductables etc), you can send us a message here with your requirements.
SmartCare Premium Table
SwitchCare Premium Table
International Exclusive Premium Table
Policy Tips
OPD (Out-Patient-treatment)
In Thailand most middle and high tier health insurance policies focus on IPD (In-Patient treatment) cover, and not OPD (Out-Patient-treatment) cover. Many insurers don't add it, but AXA offers it as an optional extra. However, adding it may increase the premium by 30%-40%, so it really depends on whether you use OPD regularly and whether it is worthwhile for you.
Area Coverage
Many people ask us about choosing a plan with coverage outside of Thailand, but we tell them that the premium can increase by between 20% and 60%. We recommend that if you don't travel often, then we suggest to rather buy an annual travel insurance policy together with a Thailand only plan. Annual travel insurance costs less than 10,000 baht and has more travel related insurance benefits like lost luggage and delays.
Other Policies
If there is a specific policy benefit that you want, but you can't find a policy that covers it within your budget, then send us an email. Sometimes people want to add a specific benefit such as a higher death and disability payout, a higher cancer benefit, or a hospitalization benefit that pays for each day in the hospital.
Benefits Comparison & Overview
You can look at the “Table of Benefits” to compare the coverage of SmartCare, SwitchCare, and International Exclusive (IE).
While SmartCare might not have as many benefits as SwitchCare and IE, it still offers very good core value with high medical expenditure cover.
Tip:
You can either pay a higher premium for the additional benefits, or if you are someone who doesn’t use these specific benefits often, buy a policy with a lower premium and save the rest.
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Travel Insurance with AXA Thailand
Travel insurance bought through AXA is a popular option for both Thai and foreigners. Are you flying to Thailand or from Thailand? AXA has a plan for both which you can review below.
What sets AXA travel insurance apart from other insurers?
AXA Thailand is part of the global AXA Group which incorporates it into a network of 39,400 affiliated medical facilities worldwide. That’s a very large cashless claim network which makes it very convenient for the traveler.
Also, if you are someone who travels regularly, AXA has one of the best annual travel insurance packages.
Overview
The two main travel insurance products from AXA Thailand are called Smart Traveler Plus (outbound) and Sawasdee Thailand (inbound) travel insurance.
All plans have the following benefits:
- Medical Cover for Accidents or Sickness
- Personal Accident
- Life & Disability Compensation
- Evacuation & Repatriation
- 3rd Party Liability (excluding Plus Lite)
- Compassionate Visitation
Policy Benefit Highlights
Below you’ll find a summary of both outbound and inbound travel insurance from AXA Thailand.
You can read more here to compare AXA and other travel insurance companies.
*Please refer to the policy book for additional information and terms and conditions.
AXA Smart Traveler Plus
Departing from Thailand. Comprehensive travel cover with many benefits
- Death or disability up to 5 million baht
- Medical expense cover up to 4 million baht
- 3rd Party liability 1.5 mill baht
- Delays, cancelations, misconnections
- Baggage delay & damage
- Damage to personal belongings
- Hospital Income Benefit
- Trip cancellation
- Robbery & stolen cash
Area of Cover available:
*Specified country excluding some territories
AXA Sawasdee Thailand
Affordable travel package for travelers flying to Thailand.
- Death or disability 1 mill baht
- Medical expense cover from 750,000 baht
- 3rd Party liability 1.5 mill baht
- Travel delay
- Baggage delay
- Damage to personal belongings
Area of Cover available:
- Thailand
AXA Travel Insurance Premium Calculation
The insurance premium depends on the following factors:
- Single trip or Annual policy
- Number of travelers and days
- Policy plan (1,2,3,4)
You can either complete a form on the AXA website or you can request a quote from us below.
Benefits Comparison & Overview
You can look at the “Table of Benefits” to compare the coverage of SmartCare, SwitchCare, and International Exclusive (IE).
While SmartCare might not have as many benefits as SwitchCare and IE, it still offers very good core value with high medical expenditure cover.
Coverage Table for AXA Smart Traveler Plus
AXA Sawasdee Coverage Table
Motor Insurance with AXA Thailand
AXA motor insurance provides cover for private and commercial vehicles which includes cars, motorbikes, and trucks.
What sets AXA travel insurance apart from other insurers?
AXA Thailand offers two really great services which sets them apart, roadside assistance and AXA 4 U.
AXA Roadside Service
AXA Roadside service is a free 24-hour nationwide emergency assistance to any 4 wheeled vehicle if it breaks down.
- Immediate assistance by authorized AXA technicians when vehicle breaks down
- Tow to the nearest garage
- If repair takes longer than 24 hours you get a replacement rental or accomodation
- Will deliver emergency fuel
- Emergency repair at location
- Locksmith for locked out or lost key
AXA 4 U
New for old replacement for accidental damage on the following 4 items; Tyre, Battery (excluded electrical system of electric and hybrid vehicles), Lubricant and Coolant, Radio and Audio (installed by the vehicle manufacturer). For the terms you can read more at AXA 4 U.
Overview
AXA Thailand offers car insurance called Smart Drive and the Por Ror Bor (compulsory road insurance online)
Types of Coverage offered
- Motor Insurance Class 1
- Motor Insurance Class 1 for Electric
- Motor Insurance Class 2
- Motor Insurance Class 3
- Motor Insurance Class 3+
Policy Benefit Highlights
Below you’ll find a summary of AXA’s car insurance policy Smart Drive. And if you’re buying car insurance, don’t forget about Thailand’s compulsory car insurance Por Ror Bor.
*Please refer to the policy book for additional information and terms and conditions.
AXA Smart Drive
One policy with great coverage and benefits. Highly recommended.
- Loss of life, bodily injury, or injury to health
- 3rd Party liability
- Property damage
- Fire, theft, robbery
- Own vehicle damage
- Disability
- Bail for driver
- No claim discount
- AXA Hotline Tel: 0 2118 8111
Por Ror Bor (compulsory road insurance online)
Required for annual vehicle registration renewal, the Por Ror Bor protects victims of motor vehicle accidents
- Medical Expenses
- Loss of life or total permanent disability
- Dismemberment or permanent disability
- Daily compensation
*You can buy the Por Ror Bor with any company or broker and the price is standardized
AXA SmartDrive No claim discount
The insured may receive a premium discount from the normal premium rate in the following cases:
If the Insured insures Motor Vehicle with the Company, the Company shall apply the premium discount to the Insured in steps as follows:-
- 1st Step : 20% of the premium of the renewal year for the Motor Vehicle with no claim in the first year
- 2nd Step : 30% of the premium of the renewal year for the Motor Vehicle with no claim for 2 consecutive years
- 3rd Step : 40% of the premium of the renewal year for the Motor Vehicle with no claim for 3 consecutive years
- 4th Step : 50% of the premium of the renewal year for the Motor Vehicle with no claim for 4 consecutive years or more
AXA Motor Insurance Premium Calculation
The insurance premium depends on the type or “Insurance Class”, and the following factors:
- Brand and Model
- Personal or Commercial
- Year
Your bike year model and engine size will determine the type or class of motorbike insurance available to you.
- Class 1 motorbike insurance available for bikes below 5 years of age, and 250 cc and above
- Class 2+ and Class 3+ available for new bikes to 5 years of age
- Class 3 insurance available for new bikes to over 5 years of age
You can either complete a form on the AXA website or you can request a quote from us below.
About AXA Thailand
AXA Thailand joined the AXA group in 1998 and has since been offering insurance products to both Thai and foreigners through their 17 branch offices across Thailand.
Frequently Asked Questions
Who is Ask Eim
We are an online insurance review website. We are also an agent and broker for some of the best insurers in Thailand.
I have a car emergency, who do I contact?
You contact the AXA Hotline on Tel: 0 2118 8111
What are the AXA health insurance waiting periods?
For any accident there is no waiting period to use the policy benefit. AXA will not cover any illness within 30 days of first inception.
AXA will not cover the following illnesses for the first 120 days from the first inception date: Tumors, cysts, or all kinds of cancer, hemorrhoids, all kinds of hernias, pterygium or cataract, tonsillectomy or adenoidectomy, all kinds of calculi, varicose veins, endometriosis.
Can you buy everything online?
Yes you can. You can either submit an online form or complete and submit a pdf form.
You can also read more about buying car insurance online here.
Are pre-existing conditions covered?
The AXA will not pay benefits under this policy for any chronic conditions or pre-existing conditions, including any complications that are not yet fully cured before the date this policy comes into effect.
What is Maximum Benefits (per Illness)?
Maximum Benefits (per Illness) refers to maximum limit Per Confinement at any time due to the same injury or illness including related or consequential complications within 90 days from the date of the latest discharge from the Hospital which shall be deemed as the same hospitalization.
What is AXA Telehealth?
Telehealth by AXA is a mobile app that you can use to consult a doctor with.
What is SwitchCare Co-Payment
It is when the insurer and insured both pay a percentage of medical expenses.
Request a Quote
We are a direct broker for AXA Thailand, so we can help by answering any questions you may have. If you’d like an insurance quote please complete the form below and we’d be glad to help.
