AXA SmartCare Essential Online Health Insurance

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Easy to apply online, no medical exam. The insurance policy is available instantly via Email.
Medical expenses covered up to 10 million baht per illness
Option to comply with Long Stay Visa (O-A and O-X) and Long Term Resident Visa (LTR) Requirements
Extensive hospital network throughout Thailand - offering cashless claim
Various deductible options to reduce insurance premium
Optional benefits for wellness including vaccination, check-up , dental and optical care
Cover for both in-patient and out-patient cancer treatment

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Coverage

AXA SmartCare Essential Online

keeps your savings safe and your finances intact. The perfect choice that gives you more benefits and coverage with no hidden sub-limit. You can rest assure that you will have the protection benefit per illness of 10,000,000 THB per year. It can give you full protection from unexpected incidents like illness and accidents, including everything from medical consultant to emergency treatment.

We offer cashless claims at our network hospitals, more than 400 locations. Annual policy deductible options offer our customers with affordable premium. Special family discount (when purchased together with main insured person) up to 10 % is also available! From a global company with strong local footprint nationwide, AXA Thailand is your trusted partner for health protection.

● Frequently Asked Questions about Health Insurance Coverage on the Novel Coronavirus (COVID-19)
● Health Insurance Claim Guideline on the Novel Coronavirus (COVID-19)

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Table of Benefits: AXA SmartCare Essential

(Baht/Person)

Coverage		Maximum Benefits Per Illness
Coverage		Plan 1	Plan 2	Plan 3	PLan 4
Inpatient Benefits (IPD)		1,000,000	2,000,000	5,000,000	10,000,000
Inpatient Benefits (IPD)		1	Room charge, meal fee and hospital service fee (Inpatient) for each hospitalization as an Inpatient (per day)
- Non-Intensive Care Unit	3,000		5,000	10,000	12,000
- Intensive Care Unit	6,000		10,000	20,000	24,000
2	Medical fee for examination or treatment, blood and blood component service fee, nurse service fee, medicine fee, parenteral nutrition fee, and medical supplies fee for each hospitalization as an Inpatient	Paid in full
	2.1 Medical fee for examination
	2.2 Medical fee for treatment, blood and blood component service fee, and nurse service fee
	2.3 Medicine fee, parenteral nutrition fee and medical supplies fee
	2.4 Medicine fee and disposable supplies fee (Medical Supplies 1) for take away (Max 30 days)
3	Physician’s examination fee (Per day, Max 1 visit per day)	2,500	3,000	Paid in full
4	Medical Operation (surgery) and procedure in the operating room	Paid in full
	4.1 Operating room fee and procedure room fee
	4.2 Medicine fee, parenteral nutrition fee, medical supplies fee, and surgery and procedure fee
	4.3 Physician’s fee for Physicians performing surgery and procedure (including assistant) (Physician fee)
	4.4 Physician’s fee for anesthetist (Physician fee)
	4.5 Medical fee for organ transplantation	Not covered
5	Day Surgery	Paid in full
Non-Inpatient Benefits
6	Medical fee for related direct examination before and after hospitalization as an Inpatient or Outpatient treatment fee which is in consequence of or in connection with hospitalization as an Inpatient for each hospitalization as an Inpatient	Paid in full
	6.1 Medical fee for related direct examination which occurs within 30 days before and after hospitalization as an Inpatient
	6.2 Outpatient Treatment fee after hospitalization as an Inpatient for each consequential treatment within 30 days after such discharge from the hospital (excluding medical fee for examination)
7	Medical fee for treatment of injury in outpatient case within 24 hours after each accident (including 1 follow-up within 30 days)	20,000	30,000	40,000	Paid in full
8	Rehabilitation medicine fee after each hospitalization as an inpatient	Not covered
9	Medical fee for treatment of chronic kidney failure by hemodialysis through vascular access	Not covered		Paid in full
10	Medical fee for treatment of cancer by radiotherapy, interventional radiology, and nuclear medicine	Paid in full
11	Medical fee for treatment of cancer by chemotherapy	Paid in full
12	Ambulance fee	2,000		Paid in full
13	Medical fee for Minor Surgery	Paid in full
Additional Benefits
14	Special Nursing Service (per day, max 30 days/year)	1,000
15	Cash Benefit (Daily Compensation In case of No Claim Compensation) (Max 31 days per year)	2,000	2,500		3,500
16	Cremation or Funeral Expenses in case loss of life due to injury or illness	20,000	50,000
17	Loss of Life, Dismemberment, Loss of Sight, Loss of Hearing, Loss of Speech, or Permanent Disability from Accident (PA.2)	50,000	80,000	100,000	120,000
Optional: Outpatient Benefits (OPD)
18	Outpatient Treatment (1 visit per day/max 30 visits per year)	3,000 Per Visit
Optional: Wellness Benefits
19	Vaccination / Health Check-Up / Optical Care / Dental Treatment per year (Waiting Period 6 months)	3,000

Terms and Conditions

1. Eligible for applicants aged between 15 days and up to 60 (Children under 18 years old must apply with at least one parent/legal guardian).
2. Premium may be adjusted following the age increase. Renewable up to the age of 99 years old.
3. The company will not cover for any illness within 30 (thirty) days as from the first inception date which the Covered Person is covered (except for accidental injuries)
4. The company will not cover following illnesses which are 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 for the first 120 days from the first inception date.
5. The Company 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 first comes into effect.
6. Maximum Benefits (per Illness) refers to maximum limit Per Confinement at any times 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.
7. The policy will not cover any loss, injury, damage or legal liability arising directly or indirectly in the sanctioned countries declared by the United Nation (UN) or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.
8. The Company reserves the right to decline insurance coverage for certain occupational groups.

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Terms and conditions of coverage and underwriting as specified by AXA, the Insured should understand before making the decision.

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Buy Online Click here or directly contact AXA Customer Service 02-118-8111

on Monday to Friday 8.30-18.30, Saturday 9.00-18.00 (Unavailable on Sunday and official holidays).