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SmartCare Optimum

Ultimate Health Insurance Protection for you and your family

Highlight

  • Lump sum benefits for illnesses like cancer, coronary artery by-pass surgery, including myocardial infarction and stroke when the disease was detected and the doctor confirmed
  • Renewable up to 99 years old
  • No Claim Bonus after each claim-free year
  • Emergency Assistance Service Outside Thailand
  • Pay As Charged For Both IPD and OPD
  • You can get up to 25,000 THB tax deduction, depending rule on matters related to taxation upon the Revenue Department

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)



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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).