Answered4 years ago
Is AXA insurance worth the cost for a 30-day trip to Thailand?
Even tho not required I purchased axa insurance for 30 day trip to Thailand
3919 tbt seems reasonable
3919 tbt seems reasonable
Answer summary
A user discusses their decision to purchase AXA insurance for a 30-day trip to Thailand, paying 3919 baht, which they find reasonable. The thread includes comments debating the value of insurance, concerns about cost versus coverage, and personal experiences related to travel and health insurance while traveling in Thailand. Community members offer insights into alternatives, including complimentary travel insurance with credit cards, and share thoughts on the reliability of different insurance options, emphasizing the importance of understanding policy limits and usability.
83 repliesnewest first
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Sara ******
Ask from ACS Amin? Travel insurance is not usually are same price like health insurance. Health insurance could be easily 4000thb because those covered differently. Travel insurances are usually 500-1000thb by month.
Chinpoh ******
I am applying for non immigrant visa O and was told I need outpatient Baht 40,000 and inpatient Baht 400,000 cover.
For 120 days cover cost me Baht 12,000.
For 120 days cover cost me Baht 12,000.
Adrian *****************
It isn't cheap but it is the best cover you can get for Thailand,people who pay far less need to read the small print
Karim ***************
I paid 1000 baht. Conned
Dan ********
@Karim **************
1000 baht for what exactly ?Karim ***************
@Dan *******
30 days fully comprehensive insurance with AXA. I got it through the AXA Thai website.Dan ********
@Karim **************
But did yours include riding a motorbike ? Did his ? Does yours include cover when scuba diving ? Rock Climbing, or other extreme activities ? Did his ? Do they settle bills directly with the biller, or do you have claim back any expenses once paid for by yourself ? What about his ? In the event of your sudden death, What amount of money and to whom do they pay ? And his ? Do you get my point ? its like stating that your bicycle is better or cheaper, when you dont even know what bicycle he has, and you don't even know what bicycle you have.Karim ***************
I wasn’t. He paid 4 times as much.
Bob *******
OP@Karim **************
so why were you conned?
Richard *******
Email
@Arawan ******
or message her and she will give you good options.
Mike ********
Throwing my hat in the ring here, going to thailand for 3 months soon, age “68”, paid for flight with visa credit card, what’s my best insurance options, uk citizen,.
Jason ***********
@Mike *******
checkout Columbus direct
Wayne ******
@Mike *******
I suffered a massive heart attack in Thailand....what I learnt was that not all Hospitals have a Cardiac specialist...and I had to go to two other hospitals to find a specialist...so my advice is to get the best you can afford....I had to hire Ambulance to get me to each Hospital...so I will always but the best cover insurance
Edna *******
@Wayne *****
hopefully your doing ok now.Wayne ******
@Edna ******
I have finally had a quadruple bypass...after waiting for COVID to disappear...thank you for your concernMike ********
@Wayne *****
I hope you’ve recovered well, how did your insurance work out, and who were you with ?Wayne ******
@Mike *******
can't remember the name...I had to pay up front then claimed after I got out of the hospital...I was dying so a little difficult to arrange insurance...but my wife saved me ...she phoned around the other hospitals until we found a cardiac surgeon... luckily he was visiting the local hospital In Phitsaluk training other surgeons...so I was extremely lucky.
Gary ********
Money down the drain
Bob *******
OP@Gary *******
until you need itGary ********
@Bob ******
that particular cover is renowned for not being very good. Did you read the small print?
Kathalyn *******
@Gary *******
???
Sophie *********
@Gary *******
Mine wasn't.
Donna **********
I pay $90 a month for my family of 4. Through safetywing.
Jean-Philippe **********
@Donna *********
For how long? Could you tell me the name of this insurance and where you get it please? I would appreciate. 🙏🏼Jean-Philippe **********
Is it an US insurance Cy?
Donna **********
@Jean-Philippe *********
I pay this once a month. It renews every month. Safetywing is the name.
Mark *********
I don't see how this comes to a discussion of to insure or not to insure rather than one about price. That price seems high, but, of course, we don't know what cover or your personal details. Always worth remembering that annual travel insurance often costs very little more.
Bob *******
OP@Mark ********
travel insurance is not health insurance. People getting them confusedMark *********
@Bob ******
Absolutely true. Another reason this whole discussion is silly. We don't know which you purchased, just "insurance".
Sri **********
Expensive I paid 300baht for 15days
Dan ********
@Sri *********
"You get what you pay for"
Istvan *********
@Sri *********
i wanna see what will cover when you need it...Bob *******
OP@Istvan ********
I’d be curious too 😆Sri **********
@Istvan ********
I don't go details much inpatient will cover you can go and check icici lombard insurance website But it's from India
Alex *******
Thought we all got our own insurance.... If not from home then you could say it is ok getting from here..
But really...what you paid seems too much and what I found, our own from home covers what we need and explanatory...
Good luck..hope you don't need it..
But really...what you paid seems too much and what I found, our own from home covers what we need and explanatory...
Good luck..hope you don't need it..
Christopher ***********
@Alex ******
Might not have been in home Country when taking out the insurance? Premium rises with age of course. But correct to obtain it. So many people believe they can return home for free healthcare. Can’t do that if you have severe injuries or suffer a stroke (for example).
Shane ************
And shit coverage
Christopher ***********
Great deal. Your suitcase alone (not including contents) might be worth that. If lost by airline you could get some money back but not if stolen from hotel room. Then there’s compensation for delays and cancellation. If you came off a moto you might need X-Rays and CT/MRI scans.
Christopher ***********
Krystian Siek Slight change of subject. In Thailand not yet. In U.K. only began to roll them out in the last week. However, in my small town South of Khon Kaen our local community hospital have only lost one Covid patient. She was an elderly Chinese lady who had refused all vaccinations.
Christopher ***********
Krystian Siek Don’t watch TV. Mrs has several friends who are domestics and nurses at our local hospital. We get good information.
Andrew *******
On behalf of AXA, I Thankyou.
Sheen ************
I never thought I would need it either, I mean who does. But 4 fractures and operation to screw plate into arm after an accident……. Glad I had had paid out for insurance- what do you think
Anthony *********
@Sheen ***********
I live here 7 years now and just taken out medical insurance cover a few months ago, 40 soon and life I'd going pretty well in all areas last thing I need is a hospital bill running into crazy figuresAnthony *********
@Sheen ***********
mine cost me 250,000thb because I got 3 months insurance but I ended up travelling longer and stupidly didn't get any more and then boom, arm wrestling in Phuket, snapped my arm in two 😫
Carl ********
Good idea. Hospitals in thailamd aren't cheap!!!!
Chris *****
If you have enauf money for loosing 3900...
Sigurd *********
Normally travel insurance is included when you pay with credit card 💳, so then you don’t need extra insurance.
But if you don’t have any insurance, then it would be very stupid if you hadn’t bought any.
But if you don’t have any insurance, then it would be very stupid if you hadn’t bought any.
Giorgio ******
@Sigurd ********
don't have yo pay with credit card ! just have own a credit card !!insurance is included in the yearly fare ... just ask your banker . I know many people who have used it ... no problem .. most of bankers don't let you know . absolutely no need of extra insurance !!!!!!
Daniel **********
For travel insurance???
Otto *********
Does not sound like a bargain to me...
Otto *********
Yes, social security one.
Carl ********
@Otto ********
you have the cheap Charlie insurance ?Shane **********
You can get complementary travel insurance up to 6 months with certain credit cards.
Jonas *************
And most Thai insurances have silly maximums payouts of like 100,000 Thai baht.l, or even less like 10k.
Paul ********
Be careful - Thailand hospitals accept direct payment from insurance company from a very small and limited list of foreign insurance companies.
They will typically bill you and expect payment in full at time of service, and then its up to you to seek reimbursement from your insurance provider. Which can take weeks.
If you purchase insurance from a Thai company, much more likely they will accept direct payment from the company.
Most hospitals have a list of the insurance companies they accept direct payment from. Check the list before you purchase insurance.
They will typically bill you and expect payment in full at time of service, and then its up to you to seek reimbursement from your insurance provider. Which can take weeks.
If you purchase insurance from a Thai company, much more likely they will accept direct payment from the company.
Most hospitals have a list of the insurance companies they accept direct payment from. Check the list before you purchase insurance.
John-Paul ******
@Shane *********
which cards?Shane **********
@John-Paul *****
I use Visa Platinum, use the card minimum $250 on the trip to qualify. Hospital cover is unlimited.Shane **********
@John-Paul *****
I use ANZ but any bank will have similar. Just ask which cards provide complimentary travel insurance.John-Paul ******
@Shane *********
and which bank is the issuer?Shane **********
@Andrew ******
ask your bankAndrew *******
@Shane *********
Amex too. And MasterCard.
Srini ******
That's expensive... If you don't need it don't get it. Check to see if your existing insurance will cover you.
Jonas *************
I have a bridge to sell you. I mean how you going to get over the river when you find the river?
Lincoln *******
@Srini *****
nobody 'needs' insurance now that Thaipass is gone. One only 'needs' insurance now once it is too late to make the decisionBob *******
OP@Srini *****
it’s 3.50 a day. Wow lots of cheap Charlie’s here
Aaron ****************
@Bob ******
hey, there are cheap charlies, then there are guys who don't want to spend £100 on insurance.Srini ******
@Bob ******
It's not about the cost.. It's whether it's worth anything except a false sense of security. For frequent travelers it adds up if it's mandatory.
Mike ********
@Srini *****
mine does. BCBSBob *******
OP@Mike *******
I have it as well. Copays will be a lot moreMike ********
@Bob ******
still beats paying twice for insuranceMike ********
@Bob ******
out of networkBob *******
OP@Srini *****
it’s 105 usd for piece of mind. One good night of drinking
Eileen ***********
@Bob ******
and transportation for free back with nurse on an airplane if needed. That’s why I always buy.Srini ******
@Bob ******
ha ha if that's your calculus. Carry on. I've had to buy it during COVID and they made a lot of money during that time since it was mandatory.Andrew *******
Nick MuayPlam in Thailand? Or another country
ᜋᜇ᜔ᜃ᜔ **********
FWD is cheaper
Bob *******
OP@Mark *****
not the same thing but ok. Not easy to even get a quote. And only cover to age 60
Mike ******
Reasonable, until they refuse to cover anything once something happens to you.
Bob *******
OP@Mike *****
why would they?
Damien ********
@Mike *****
100% true .. so easy for insurance firms to refuse a claim and there’s nothing u can do about it …
Jeffrey *******
Cost of insurance is subjective. 3919 may be a good price, but it depends on what the coverages and the limits are.
Peter *******
@Jeffrey ******
Sensible post at last, very rare these days….Activity
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