AXA Thailand: Top Thailand Insurance Provider For Expats
AXA Thailand is one of the leading providers of international health insurance plans for expats living in Thailand. Established in 1998, AXA Thailand is part of the larger AXA Group, which originated from Europe and expanded operations to Asia in 1995.
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Are you an expat in Thailand looking to stay insured with AXA’s international health insurance plans? This Pacific Prime article will discuss AXA Thailand, along with its various plans available to choose from.
Key Benefits Of AXA Thailand International Health Insurance Plans
Below is a list of the key benefits expats will find in AXA Thailand international health insurance plans:
- Emergency medical treatment when traveling, covered for up to 90 days per year
- Chronic condition benefit limits increase 5% annually on most plans
- Inpatient and outpatient cancer treatments covered under all plans
- No-claims discounts available after 2 years of continuous coverage
- Covers hospice and palliative care on all International plans
- Free second medical opinion service
Advantages Of Choosing AXA Thailand For Health Insurance
AXA Thailand offers crucial benefits like emergency medical treatment overseas, cancer coverage and free second opinions. They also have unique advantages that make them a leading choice for expats in Thailand.
- Part of the well-known AXA group with strong financial backing
- Over 20 years of experience in Thailand’s insurance market
- Extensive direct billing network across Thailand
- Range of plan types suitable for different visa needs
- Offer pre-existing condition coverage on some plans
- Provide family discounts up to 15%
AXA Thailand International Health Insurance Plans
AXA Thailand offers several health insurance plans suitable for expats living in Thailand. Smart Care Essential, Long Stay Visa, and EasyCare Visa are specifically for expats residing in Thailand. SwitchCare covers most of Asia, and International Exclusive has worldwide coverage.
Here is a brief snapshot of the benefits for each of these AXA Thailand health plans for expats:
- SmartCare Essential – Inpatient coverage from $30,000 to $60,000 USD (1-2 million THB) per illness. Outpatient options available. For expats residing in Thailand.
- SwitchCare – Comprehensive inpatient and outpatient coverage from $105,000 to $900,000 USD (3.5 million to 30 million THB) annually. Covers most of Asia.
- International Exclusive – Worldwide coverage options from $1.4 million to $2.8 million USD (48 – 93 million THB). Full outpatient and maternity benefits available.
- Long Stay Visa – Inpatient coverage from $12,000 to $18,000 USD (400,000 to 600,000 THB) per illness/visit. Meets visa requirements. Thailand only.
- EasyCare Visa – Inpatient coverage from $60,000 to $120,000 USD (2-4 million THB) per illness. Outpatient benefits available. For expats living in Thailand.
All AXA Thailand plans provide emergency medical treatment outside of Thailand up to policy limits. Get a free AXA quote from Pacific Prime to view pricing and plan options in both USD and THB. Our advisors will help you find the right AXA coverage no matter your budget or needs.
| Plan Name | Coverage Area | Coverage Limit | Major Benefits |
| SmartCare Essential | Thailand only | $30,000 – $60,000 USD per illness | Inpatient Treatment, Limited Outpatient |
| SwitchCare | Asia | $105,000 – $900,000 USD annually | Inpatient, Outpatient, Evacuation |
| International Exclusive | Worldwide | $1.4M – $2.8M USD annually | Comprehensive Inpatient, Outpatient, Maternity |
| Long Stay Visa | Thailand only | $12,000 – $18,000 USD per illness | Meets Visa Requirements, Inpatient Coverage, Cost Effective |
| EasyCare Visa | Thailand only | $60,000 to $120,000 USD per disability | Inpatient and Outpatient Treatment, Meets Visa Requirements, Renewable until the age of 99 |
We also encourage you to see what other health insurance plan options are available to expats heading to Thailand.
In the following sections, we will breakdown each AXA Thailand health plan so you can see their key features, inclusions, and plan options.
AXA SmartCare Essential Health Insurance in Thailand for Expats
AXA Thailand offers the SmartCare Essential plan to provide basic inpatient coverage for expats living in Thailand. Plan 1 provides coverage up to about $30,000 USD. Plan 2 provides coverage up to about $60,000 USD.
AXA SmartCare Plan 1
AXA Smartcare Essential Plan 1 provides up to ~$30,000 USD (1,000,000 THB) per illness coverage. Room and board is covered up to $90 USD (3,000 THB) for regular rooms and $60 USD (2,000 THB) for ICU.
Ambulance transportation is covered up to $60 USD (2,000 THB). Outpatient coverage is available as an add-on, with up to $90 USD (3,000 THB) per visit and a maximum of 6 visits per year. There is a 6 month waiting period for outpatient benefits.
AXA SmartCare Plan 2
AXA Smartcare Essential Plan 2 increases the per-illness limit to ~$60,000 USD (2,000,000 THB). Room and board increases to $150 USD (5,000 THB) standard and $60 USD (2,000 THB) ICU.
The outpatient benefit also increases to a max of $180 USD (6,000 THB) per visit.
Other features of SmartCare Essential include:
- Coverage for expats residing in Thailand only
- No coverage for pre-existing conditions
- 30 day waiting period
- Dental benefits available – up to $90 USD (3,000 THB) with 6 month waiting period
- 5-10% family discounts
The SmartCare Essential plans provide an affordable inpatient coverage option starting from ~$30,000 USD per illness for expats in Thailand. Though benefits are capped, the plans offer vital financial protection.
AXA SmartCare Underwriting
Here are the AXA Smartcare Essential underwriting conditions:
- No coverage for any pre-existing conditions
- No medical underwriting or ability to decline
- Only specific pre-existing conditions may be excluded
- 30-day waiting period before coverage begins
AXA SmartCare Plans Comparison
Here’s a quick side-by-side comparison of the two SmartCare health insurance plans offered for expats by AXA Thailand:
| Plan Feature | SmartCare Plan 1 | SmartCare Plan 2 |
| Coverage Limit Per Illness | Up to ~$30,000 USD (1,000,000 THB) | Up to ~$60,000 USD (2,000,000 THB) |
| Room & Board Regular | Up to $90 USD per day (3,000 THB) | Up to $150 USD per day (5,000 THB) |
| Room & Board ICU | Up to $60 USD per day (2,000 THB) | Up to $60 USD per day (2,000 THB) |
| Outpatient Benefit | Up to $90 USD per visit (3,000 THB), 6 visits max | Up to $180 USD per visit (6,000 THB), 6 visits max |
| Key Exclusions | Pre-existing conditions | Pre-existing conditions |
AXA SwitchCare Health Insurance in Thailand
The SwitchCare plan from AXA Thailand provides comprehensive health coverage for expats living in Thailand or elsewhere in Asia. SwitchCare provides coverage from $100,000 USD up to $900,000 USD per policy year, and it has a variety of inpatient and outpatient coverage benefits.
Here are some highlights of this plan in USD terms:
- Coverage options from $100,000 up to $900,000 per policy year
- Inpatient benefits like room and board from $180 to $600 per day
- Full coverage for surgeries, cancer treatment, pre- and post-hospitalization care
- Outpatient coverage up to $4,500 per year for doctor visits, prescriptions, scans etc.
- Emergency treatment when traveling for up to 90 days per year
- 5-15% family discounts
- Options to cover most of Asia or worldwide excluding USA
- Chronic condition benefit limits increase 5% per year
In THB pricing, the plan includes:
- Coverage options from 3.5 million THB up to 30 million THB per policy year
- Inpatient benefits like room and board from 6,000 THB to 20,000 THB per day
SwitchCare protects both inpatient and outpatient medical costs for expats in Thailand and Asia, with the ability to customize coverage based on your budget and needs.
AXA SwitchCare Underwriting
Here are the AXA SwitchCare underwriting conditions:
- No coverage for any pre-existing conditions
- Medical underwriting required
- Applicants can be declined coverage completely
- 30-day waiting period before coverage begins
AXA International Exclusive Health Insurance
The International Exclusive plan from AXA Thailand offers worldwide coverage options for expats. There are four different plan levels. Some key features include:
- 4 plan levels with coverage limits from 48 million THB ($1.4 million USD) to 93 million THB ($2.8 million USD)
- Outpatient cancer treatment covered under all plans
- Evacuation and repatriation benefits included on all plans
- Options for maternity, dental, vision benefits on Plan 1
- Coverage for pre-existing conditions on Plan 1 & 2 after waiting periods
- Discount of 5-10% for families insured together
Let’s break down the 4 plan options for AXA Thailand’s International Exclusive health insurance.
AXA International Exclusive Plan 1
- Coverage limit: 93 million THB ($2.8 million USD)
- Full outpatient coverage including GP, specialists, meds, scans
- Alternative therapies covered up to 37,000 THB ($1,100 USD)
- Includes maternity, dental, vision benefits
- Covers pre-existing conditions after waiting periods
AXA International Exclusive Plan 2
- Coverage limit: 74 million THB ($2.2 million USD)
- Full outpatient coverage except maternity, dental and vision
- Covers pre-existing conditions after waiting periods
AXA International Exclusive Plan 3
- Coverage limit: 58 million THB ($1.7 million USD)
- Outpatient limited to MRI, PET scans, cancer therapy
- No alternative therapies, maternity, dental or vision
- Pre-existing conditions not covered
AXA International Exclusive Plan 4
- Coverage limit: 48 million THB ($1.4 million USD)
- Inpatient only except outpatient cancer treatment
- No maternity, dental, vision or pre-existing coverage
Note: You can choose the level of benefits and pricing that works best for your situation.
With international coverage and great benefits, the AXA International Exclusive plan provides protection for expats across Thailand. Clients can choose the level of coverage to meet their medical needs and budget. This is a good option for expats looking for comprehensive worldwide coverage.
AXA International Exclusive Underwriting
Here are the AXA International Exclusive underwriting conditions:
- Plans 1 & 2: Pre-existing conditions covered after waiting periods
- Applicants can be declined if uninsurable
- 120-day waiting period for some conditions
- 6-12 month waiting periods otherwise
AXA International Thailand Plan Comparisons
Here’s a quick side-by-side comparison of the four International Exclusive (IE) health insurance plans offered for expats by AXA Thailand:
| Plan Feature | IE Plan 1 | IE Plan 2 | IE Plan 3 | IE Plan 4 |
| Coverage Limit | $2.8M USD | $2.2M USD | $1.7M USD | $1.4M USD |
| Outpatient Coverage | Full | Full | Limited | Inpatient Only |
| Maternity Benefits | Yes | No | No | No |
| Dental & Vision | Yes | No | No | No |
| Pre-existing Coverage | Yes | Yes | No | No |
AXA Thailand Long Stay Visa Health Insurance
AXA offers health insurance plans designed to meet the Long Stay visa requirements in Thailand. These Thailand-only plans have limited benefits compared to AXA’s other options. Key features include:
- 3 plan options with per illness/visit coverage from $12,000 – $18,000 USD (400,000 – 600,000 THB)
- Inpatient room & board $60 – $150 USD (2,000 – 5,000 THB) regular, $120 – $300 USD (4,000 – 10,000 THB) in ICU
- Outpatient coverage up to $45 USD (1,500 THB) per visit, max 30 visits
- Total annual limit of $105,000 USD (3.5 million THB)
- Covers cancer treatment $1,800 – $2,400 USD (60,000 – 80,000 THB)
- Ambulance transportation covered
- No coverage for pre-existing conditions
- 5-10% family discounts
This Thailand Pass AXA Insurance meets minimum visa requirements while providing basic inpatient coverage up to $18,000 USD per illness when in Thailand.
This can serve as a temporary solution while seeking comprehensive international health insurance.
Here is specific information on each of the three AXA Long Stay Visa plans:
AXA Long Stay Visa Plan 1
- Coverage limit: 400,000 THB ($12,000 USD) per illness/visit
- Room & board: 2,000 THB ($60 USD) regular, 4,000 THB ($120 USD) ICU per day
- Outpatient: 1,500 THB ($45 USD) per visit, max 30 visits
- Cancer coverage: 60,000 THB ($1,800 USD)
AXA Long Stay Visa Plan 2
- Coverage limit: 500,000 THB ($15,000 USD) per illness/visit
- Room & board: 3,000 THB ($90 USD) regular, 6,000 THB ($180 USD) ICU per day
- Outpatient: 1,500 THB ($45 USD) per visit, max 30 visits
- Cancer coverage: 70,000 THB ($2,100 USD)
AXA Long Stay Visa Plan 3
- Coverage limit: 600,000 THB ($18,000 USD) per illness/visit
- Room & board: 5,000 THB ($150 USD) regular, 10,000 THB ($300 USD) ICU per day
- Outpatient: 1,500 THB ($45 USD) per visit, max 30 visits
- Cancer coverage: 80,000 THB ($2,400 USD)
All three visa plans offer basic inpatient and limited outpatient coverage, with increasing per-illness limits and room & board benefits as you move up plan levels.
AXA Long Stay Visa Underwriting
Here are the AXA Long Stay Visa underwriting conditions:
- No coverage for any pre-existing conditions
- No medical underwriting or ability to decline
- Only specific pre-existing conditions may be excluded
- 30-day waiting period before coverage begins
AXA Long Stay Visa Plan Comparisons
Here’s a quick side-by-side comparison of the three Long Stay Visa health insurance plans offered for expats by AXA Thailand:
| Plan Feature | LSV Plan 1 | LSV Plan 2 | LSV Plan 3 |
| Coverage Limit | $12,000 USD per illness | $15,000 USD per illness | $18,000 USD per illness |
| Room & Board – Regular | $60 USD per day | $90 USD per day | $150 USD per day |
| Room & Board – ICU | $120 USD per day | $180 USD per day | $300 USD per day |
| Outpatient Benefit | $45 USD per visit, 30 visits max | $45 USD per visit, 30 visits max | $45 USD per visit, 30 visits max |
| Cancer Coverage | $1,800 USD | $2,100 USD | $2,400 USD |
AXA EasyCare Visa Health Insurance
AXA offers the EasyCare Visa plan to provide coverage for expats living in Thailand on
Thailand’s Long Stay and Long Term Resident Visas. These Thailand-only plans are specifically created for O-A, O-X, and LTR Visa holders, with coverage for each disability ranging from $60,000 to $120,000 USD.
Key features of AXA’s EasyCare Visa health insurance plan include:
- 2 plan options with coverage from $60,000 to $120,000 USD per disability
- Inpatient room & board $75 – $120 USD (2,500 – 4,000 THB) regular, $150 – $230 USD (5,000 – 8,000 THB) in ICU
- Outpatient coverage up to $45 USD (1,500 THB) per visit, max 30 visits per year
- Covers cancer treatment $3,000 USD (100,000 THB)
- Ambulance transportation covered
- No coverage for pre-existing conditions
- 5-10% family discounts
- Renewable up to the age of 99
Here’s specific information on the two AXA EasyCare Visa plans:
AXA’s EasyCare Visa Plan 1
- Coverage limit: 2,000,000 THB ($60,000 USD) per disability
- Room & board: 2,500 THB ($75 USD) regular, 5,000 THB ($150 USD) ICU per day
- Outpatient: 1,500 THB ($45 USD) per visit, max 30 visits
- Cancer coverage: 100,000 THB ($3,000 USD)
AXA’s EasyCare Visa Plan 2
- Coverage limit: 4,000,000 THB ($60,000 USD) per disability
- Room & board: 4,000 THB ($120 USD) regular, 8,000 THB ($230 USD) ICU per day
- Outpatient: 1,500 THB ($45 USD) per visit, max 30 visits
- Cancer coverage: 100,000 THB ($3,000 USD)
AXA’s EasyCare Visa Underwriting
Here are the AXA EasyCare Visa plan underwriting conditions:
- No coverage for any chronic or pre-existing conditions
- 30-day waiting period before coverage begins
AXA’s EasyCare Visa Plan Comparisons
The following table provides an overview of the differences between the two EasyCare Visa health insurance plans offered for expats living in Thailand by AXA.
| Plan Feature | EasyCare Visa Plan 1 | EasyCare Visa Plan 2 |
| Coverage Limit | $60,000 USD per illness | $120,000 USD per illness |
| Room & Board – Regular | $75 USD per day | $120 USD per day |
| Room & Board – ICU | $150 USD per day | $230 USD per day |
| Outpatient Benefit | $45 USD per visit, 30 visits max | $45 USD per visit, 30 visits max |
| Cancer Coverage | $3,000 USD | $3,000 USD |
AXA Thailand Travel Insurance
In addition to international health plans, AXA Thailand offers travel insurance to provide coverage for both international visitors to Thailand as well as Thai citizens traveling abroad. AXA travel insurance covers medical emergencies, evacuations, lost baggage, delays, and more.
AXA travel insurance provides protection against unexpected costs and events that may occur before or during a trip.
Some key features of AXA’s travel insurance options include:
- Emergency medical coverage up to 2 million THB ($60,000 USD)
- Covers illness, injury, accidents, hospitalization
- 24/7 emergency assistance services
- Evacuation and repatriation benefits
- Trip cancellation/interruption/delay
- Baggage loss, damage, theft
- Rental vehicle excess insurance
- Covers high risk activities like skiing, water sports
- Options for Schengen, Asia, or worldwide travel
Plans are available for single or multi trips in 15 or 30 day periods. AXA also offers annual plans for frequent travelers. Thai citizens can purchase Baht-denominated plans domestically. With strong global brand recognition and decades of experience, AXA Thailand travel insurance offers robust coverage and assistance.
AXA Thailand Travel Insurance Vs. International Health Insurance
AXA Thailand offers both international health insurance plans as well as travel insurance policies. AXA Thailand’s international health insurance delivers robust annual medical coverage for expats and frequent travelers. Their travel insurance provides basic short-term trip protection.
This short-term protection covers you against emergencies and disruptions. The right plan depends on your specific needs and length of coverage.
AXA’s travel insurance plans offer temporary worldwide travel coverage for individuals traveling to or from Thailand. Policies can be purchased for single trips or multiple trips up to 30 days in length.
Coverage focuses on emergency medical treatment, evacuations, and benefits for trip delays, cancellations, and lost baggage. Underwriting is limited as policies are short-term.
AXA’s international health plans like SmartCare, SwitchCare, and International Exclusive provide annual worldwide or local coverage for expats in Thailand. They include comprehensive inpatient, outpatient, evacuation, and wellness benefits tailored to life abroad.
These plans require extensive medical underwriting and may exclude pre-existing conditions.
Here’s a side-by-side comparison of AXA Thailand International Health Insurance vs. AXA Thailand Travel Insurance:
| Plan Type | International Health Insurance | Travel Insurance |
| Coverage Duration | Typically 1-year policy | Single trip or multi-trip (15/30 days) |
| Coverage Area | Specific country or worldwide | Worldwide |
| Major Benefits | Inpatient, outpatient, evacuations | Emergency medical, evacuations, trip interruptions |
| Other Benefits | Maternity, dental, wellness | Baggage, rental cars, activities |
| Eligibility | Expats, locals, students | Visitors to Thailand, Thai citizens traveling outbound |
| Pre-existing Conditions | Sometimes covered | Typically excluded |
| Underwriting | Often required | No underwriting required |
| Continuation of Coverage | Annually renewable | No continuation |
You can also learn about other fantastic Thailand travel insurance providers in this article.
Maternity Coverage with AXA Thailand
Maternity benefits are very minimal on AXA Thailand plans, with just one option providing routine pregnancy coverage.
| AXA Thailand Plan | Maternity Coverage |
| International Exclusive Plan 1 | Up to $13,200 USD after a 280-day waiting period. Covers pre/post-natal care, and delivery. Newborns subject to underwriting |
| SwitchCare Plan 4 | Up to $3,600 USD after a 300-day waiting period. Delivery complications only |
| Other AXA Plans | No maternity coverage |
*Clients seeking extensive maternity coverage may need to consider providers beyond AXA Thailand.
Additional AXA Thailand Plan Details
Here are some additional AXA Thailand details expats and digital nomads will want to be familiar with. Let’s discuss their direct billing network, plan excesses, coverage outside of Thailand, and claims process.
AXA Thailand’s Direct Billing Network
AXA has direct billing agreements with over 460 clinics, hospitals, and facilities in Thailand. This allows insured members to receive eligible treatment without upfront payment up to policy limits from approximately $6,000 to $900,000 USD.
AXA Thailand Plan Excesses
Excess options range from $0 to $7,200 USD. Higher excess reduces premiums but increases out-of-pocket costs when seeking treatment.
AXA Thailand Coverage Outside Thailand
AXA’s international plans provide worldwide coverage up to policy limits. All plans also include emergency treatment outside Thailand for up to 90 days per policy year.
AXA Thailand Claims Process
Claims can be submitted by scanning documents. Reimbursements are issued in Thai Baht (about $30 USD per 1,000 THB). Inpatient claims are processed within 15 days on average.
Additional AXA Thailand Details
- Chronic condition limits increase 5% annually on most plans
- 2+ years of continuous coverage provides access to no-claims discounts
- Hospice and palliative care covered
- Free second medical opinion service included
- Personal accident coverage available on some plans
- International plans offer options with or without evacuations
By offering strong coverage within Thailand and worldwide emergency benefits, AXA provides important protections for expats. The additional services and discounts add value as well. At Pacific Prime, we can help guide you through picking the best health insurance plan.
Working With A Broker For AXA Thailand Insurance
AXA Thailand plans can be purchased through insurance brokers like Pacific Prime. As an independent broker, Pacific Prime provides free expert advice and support throughout the insurance buying process.
Our advisors compare plans across providers to find the optimal coverage based on your needs. Brokers also assist with claims, renewals, and any other support, including understanding the specifics of each insurance plan to help with your unique needs.
In this article, you can learn more about the differences between an insurance agent and broker.
Conclusion
AXA Thailand is a leading provider of health insurance for expats living in Thailand. Founded in 1998, they are part of the global AXA Group and have extensive experience in the Thai market.
Key advantages of AXA Thailand include direct billing access to over 460 facilities, global emergency coverage, and pre-existing condition coverage on some plans. However, maternity and dental benefits are limited.
Pacific Prime can help expats compare and find the optimal AXA Thailand plan based on their budget, health needs, and visa status. Contact us today to get a free comparison quote.
You can also use our free health insurance quote generator to compare health insurance plans across several insurance providers at once. It’s easy to use and doesn’t require you to commit to anything! Check it out today.
If you’d like to secure international health insurance in Thailand, you may also be interested in our guides on Geoblue insurance and Luma insurance in Thailand.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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What are some of the biggest challenges expats face when it comes to adapting to the Thai culture and lifestyle? Are there any recommended resources or local community groups that can help with this transition?
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