AXA SmartCare Optimum

Get the highest protection and ultimate health insurance plan

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Coverage for Inpatient hospital expenses, surgical fees, and doctor visit (IPD)
Room and Board-including Nursing Services (per day) up to 12,000 THB
Special Nursing service, coverage up to 1,500 THB/day
Outpatient Kidney Dialysis and Cancer Treatment, coverage up to 500,000 THB
Prosthesis Benefits & Organ Transplant Benefit
Recuperation benefits for illnesses like Cancer, Myocardial Infraction, Stroke and Coronary Artery Disease
Outpatient Medical Expenses (OPD), coverage up to 50,000 THB/year
Medical expense occurring during the course of traveling outside Thailand, coverage up to 2,500,000 THB
Emergency Outpatient Treatment due to accident, coverage up to 70,000 THB
Emergency Assistance Service, coverage up to 2,500,00 THB/year
Coverage for Loss of Life, Dismemberment, Loss of Sight, Loss of Hearing, Loss of Speech or Permanent Disability up to 100,000 THB
Outpatient Dental Treatment Due to accident, coverage up to 50,000 THB
Accidental Miscarriage up to 15,000 THB
Cremation or Funeral expenses in case loss of life due to injury or illness, coverage up to 30,000 THB
You can get up to 25,000 THB tax deduction, depending rule on matters related to taxation upon the Revenue Department

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Comparison table of AXA Health Insurance programs (PDF 142.36Kb)

You can be sure that with AXA SmartCare Optimum health insurance, you will get the highest protection that covers all grounds and pays up to 5 million THB per year. It’s an as-charged plan which means all medical expenses will be covered. From inpatient care to ICU to surgeon fee, even just a doctor visit, you’ll be covered for all. This ultimate health insurance plan also includes coverage for organ transplant (bone marrow, heart, kidney, liver and lungs) and also provides you with worldwide protection when you are overseas. With an insurance plan that covers as much as this, you can be sure that wherever you go, whatever happens, you have AXA to take care of you. You can buy health insurance and comprehensive insurance coverage now.

Self-belief drives every journey. We’re here to help you go further.

*AXA SmartCare Optimum is the marketing name of SmartCare Optimum Individual Health and Accident Insurance Policy

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⇌ AXA Health Insurance Benefit Comparison

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

Health Insurance Claim Guideline on the Novel Coronavirus (COVID-19) Click

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If you are interested in our product or any further assistance, please 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).

Coverage

AXA SmartCare Optimum

offers different level of coverage from THB 1.5 - 20 Million per year to suit all your needs. Each plan gives you a total peace of mind by covering medical expenses as per actual cost incurred with no limitation on maximum number of days in hospital, up to the maximum limited of your selected plan.

This ultimate health insurance plan also provides you with worldwide protection when you are overseas. With an insurance plan that covers as much as this, you can be sure that wherever you go, whatever happens, you have AXA to take care of you. You can buy health insurance and comprehensive insurance coverage now.

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

Comparison table of AXA Health Insurance

AXA Thailand Health Plans with an annual limit of minimum 10,000 USD (THB equivalent)
are eligible to receive on request the insurance certificate required for the Thailand Pass application
(for entry before 1 July 2022 per latest government announcement).

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Table of Benefits: AXA SmartCare Optimum	BASIC	CLASSIC	DELUXE	EXTRA DELUXE	PRIVILEGE
INPATIENT HOSPITALIZATION (IPD)
Maximum payable limit (per year)⁽¹⁾	1,500,000	2,500,000	5,000,000	10,000,000	20,000,000
1. Inpatient Hospitalization and Surgery⁽³⁾
1.1 Daily Hospital Room and Board (per day)
- Non-Intensive Care Unit	8,000	10,000	12,000	15,000	18,000
- Intensive Care Unit	As charged⁽⁶⁾
1.2 Hospital Miscellaneous Expenses	As charged⁽⁶⁾
1.3 Special Nursing service (Max. 1,500.-/day)	Max 30 days	Max 45 days	Max 60 days	Max 75 days	Max 90 days
1.4 In-Hospital Physician’s Visit (Max. 1 visit/day)	As charged⁽⁶⁾
1.5 Emergency Out-patient Treatment (Accident Only) (per accident)	30,000	50,000	70,000	80,000	100,000
1.6 Surgeon’s Fee (per visit)	As charged⁽⁶⁾
1.7 Prosthesis Benefit (heart valve, skull, hip joint and knee joints.)	As charged⁽⁶⁾
1.8 Organ Transplant Benefit (excluding costs of organ acquisition and all costs incurred by the donor)	500,000	700,000	1,00,000	1,500,000	2,00,000
1.9 Accidental Miscarriage (per accident)	15,000	15,000	15,000	15,000	15,000
2. Accidental Dental Treatment	15,000	25,000	50,000	100,000	150,000
3. Cancer, Myocardial Infraction, Stroke and Coronary Artery Disease (lump-sum payment)	50,000	70,000	100,000	100,000	100,000
Outpatient Kidney Dialysis and Cancer Treatment (Maximum payable limit for lifetime)⁽³⁾
- Kidney Dialysis	150,000	300,000	500,000	1,000,000	1,500,000
- Cancer Treatment	150,000	300,000	500,000	1,000,000	1,500,000
5. Loss of Life, Dismemberment, Loss of Sight, Loss of Hearing, Loss of Speech or Permanent Disability (PA.2)⁽⁵⁾	100,000	100,000	100,000	100,000	100,000
6. Cremation or Funeral expenses in case loss of life due to injury or illness	30,000	30,000	30,000	30,000	30,000
7. Emergency Assistance Service	2,500,000	2,500,000	2,500,000	2,500,000	2,500,000
8. Medical expense occuring during the course of traveling outside Thailand (Emergency)⁽²⁾	750,000	1,500,000	2,500,000	5,000,000	5,000,000

Table of Benefits			Plan 1	Plan 2	Plan 3
OUTPATIENT HOSPITALIZATION (OPD)
Outpatient Medical Expenses within insuring period (per year)			20,000	30,000	50,000

Remarks

1. Maximum payable limit (per year) apply to all coverages except Emergency Assistant service in section 7.
2. Medical expense occurring during the course of traveling outside Thailand(Emergency) apply to all coverages, except Emergency Assistant service in section 7.
3. Minor surgery expense have to prior inform the company, this expense will be considered as in section 1 Inpatient Hospitalization and Surgery otherwise this expense will be considered as Max. payable limit for outpatient hospitalization.
4. Rate is applicable for occupation class 1-3 only.
5. Loss of Life, Dismemberment, Loss of Sight, Loss of Hearing, Loss of Speech or Permanent Disability (PA.2) Including Murder-Assault and driving or riding as passenger in a Motorcycle.
6. As charged means actual and reasonable expense.
7. Lifetime limit means the maximum payable limit for the whole period that the covered person has been covering by the company and up to the limit stated on the policy schedule.

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If you are interested in our product or any further assistance, please click here or directly contact AXA Hotline 02-118-8111

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

● Remarks

1. Maximum payable limit (per year) apply to all coverages except Emergency Assistant service in section 7.

2. Medical expense occurring during the course of traveling outside Thailand(Emergency) apply to all coverages, except Emergency Assistant service in section 7.

3. Minor surgery expense have to prior inform the company, this expense will be considered as in section 1 Inpatient Hospitalization and Surgery otherwise this expense will be considered as Max. payable limit for outpatient hospitalization.

4. Rate is applicable for occupation class 1-3 only.

5. Loss of Life, Dismemberment, Loss of Sight, Loss of Hearing, Loss of Speech or Permanent Disability (PA.2) Including Murder-Assault and driving or riding as passenger in a Motorcycle.

6. As charged means actual and reasonable expense.

7. Lifetime limit means the maximum payable limit for the whole period that the covered person has been covering by the company and up to the limit stated on the policy schedule.