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AXA SmartCare Optimum

Get the highest protection and ultimate health insurance plan

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Highlight

  • 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

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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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 Hotline 02-118-8111 on Monday to Friday 8.30-18.30, Saturday 9.00-18.00 (Unavailable on Sunday and official holidays).

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Coverage


AXA SMARTCARE OPTIMUM
Table of Benefits BASIC CLASSIC DELUXE

INPATIENT HOSPITALIZATION (IPD)

Maximum payable limit (per year)(1)

1,500,000

2,500,000

5,000,000

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

- 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

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

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

1.9 Accidental Miscarriage (per accident)

15,000

15,000

15,000

2. Accidental Dental Treatment

15,000

25,000

50,000

3. Cancer, Myocardial Infraction, Stroke and Coronary Artery Disease (lump-sum payment)

50,000

70,000

100,000

Outpatient Kidney Dialysis and Cancer Treatment (Maximum payable limit for lifetime)

- Kidney Dialysis

150,000

300,000

500,000

- Cancer Treatment

150,000

300,000

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

6. Cremation or Funeral expenses in case loss of life due to injury or illness

30,000

30,000

30,000

7. Emergency Assistance Service

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

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.