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Is AXA insurance worth the cost for a 30-day trip to Thailand?

Thailandtravel insuranceAXA insurancevisa requirementsexpatsmedical insurancecost of insuranceThailand healthcare
Sep 25, 2022
2 years ago
Bob *******
ORIGINAL POSTER
Even tho not required I purchased axa insurance for 30 day trip to Thailand

3919 tbt seems reasonable
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TLDR : 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.
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.
2 years ago
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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.
2 years ago
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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
2 years ago
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Karim ***************
I paid 1000 baht. Conned
2 years ago
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Dan ********
@Karim **************
 1000 baht for what exactly ?
2 years ago
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Karim ***************
@Dan *******
 30 days fully comprehensive insurance with AXA. I got it through the AXA Thai website.
2 years ago
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Bob *******
ORIGINAL POSTER
@Karim **************
 so why were you conned?
2 years ago
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Karim ***************
I wasn’t. He paid 4 times as much.
2 years ago
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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.
2 years ago
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Dan ********
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Richard *******
Email
@Arawan ******
 or message her and she will give you good options.
2 years ago
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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,.
2 years ago
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Jason ***********
@Mike *******
 checkout Columbus direct
2 years ago
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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
2 years ago
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Edna *******
@Wayne *****
 hopefully your doing ok now.
2 years ago
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Wayne ******
@Edna ******
 I have finally had a quadruple bypass...after waiting for COVID to disappear...thank you for your concern
2 years ago
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Wayne ******
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Mike ********
@Wayne *****
 I hope you’ve recovered well, how did your insurance work out, and who were you with ?
2 years ago
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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.
2 years ago
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Wayne ******
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Gary ********
Money down the drain
2 years ago
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Bob *******
ORIGINAL POSTER
@Gary *******
 until you need it
2 years ago
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Gary ********
@Bob ******
 that particular cover is renowned for not being very good. Did you read the small print?
2 years ago
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Gary ********
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Kathalyn *******
@Gary *******
 ???
2 years ago
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Sophie *********
@Gary *******
 Mine wasn't.
2 years ago
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Sophie *********
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Donna **********
I pay $90 a month for my family of 4. Through safetywing.
2 years ago
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Jean-Philippe **********
@Donna *********
 For how long? Could you tell me the name of this insurance and where you get it please? I would appreciate. 🙏🏼
2 years ago
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Jean-Philippe **********
Is it an US insurance Cy?
2 years ago
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Donna **********
@Jean-Philippe *********
 I pay this once a month. It renews every month. Safetywing is the name.
2 years ago
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Donna **********
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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.
2 years ago
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Bob *******
ORIGINAL POSTER
@Mark ********
 travel insurance is not health insurance. People getting them confused
2 years ago
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Mark *********
@Bob ******
 Absolutely true. Another reason this whole discussion is silly. We don't know which you purchased, just "insurance".
2 years ago
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Mark *********
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Sri **********
Expensive I paid 300baht for 15days
2 years ago
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Dan ********
@Sri *********
 "You get what you pay for"
2 years ago
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Istvan *********
@Sri *********
 i wanna see what will cover when you need it...
2 years ago
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Bob *******
ORIGINAL POSTER
@Istvan ********
 I’d be curious too 😆
2 years ago
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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
2 years ago
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Sri **********
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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..
2 years ago
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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).
2 years ago
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Christopher ***********
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Shane ************
And shit coverage
2 years ago
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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.
2 years ago
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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.
2 years ago
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Christopher ***********
Krystian Siek Don’t watch TV. Mrs has several friends who are domestics and nurses at our local hospital. We get good information.
2 years ago
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Christopher ***********
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Andrew *******
On behalf of AXA, I Thankyou.
2 years ago
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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
2 years ago
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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 figures
2 years ago
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Anthony *********
@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 😫
2 years ago
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Anthony *********
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Carl ********
Good idea. Hospitals in thailamd aren't cheap!!!!
2 years ago
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Chris *****
If you have enauf money for loosing 3900...
2 years ago
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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.
2 years ago
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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 !!!!!!
2 years ago
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Giorgio ******
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Daniel **********
For travel insurance???
2 years ago
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Otto *********
Does not sound like a bargain to me...
2 years ago
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Otto *********
Yes, social security one.
2 years ago
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Carl ********
@Otto ********
 you have the cheap Charlie insurance ?
2 years ago
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Carl ********
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Shane **********
You can get complementary travel insurance up to 6 months with certain credit cards.
2 years ago
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Jonas *************
And most Thai insurances have silly maximums payouts of like 100,000 Thai baht.l, or even less like 10k.
2 years ago
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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.
2 years ago
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John-Paul ******
@Shane *********
 which cards?
2 years ago
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Shane **********
@John-Paul *****
 I use Visa Platinum, use the card minimum $250 on the trip to qualify. Hospital cover is unlimited.
2 years ago
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John-Paul ******
@Shane *********
 and which bank is the issuer?
2 years ago
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Shane **********
@John-Paul *****
 I use ANZ but any bank will have similar. Just ask which cards provide complimentary travel insurance.
2 years ago
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John-Paul ******
@Shane *********
2 years ago
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Andrew *******
@Shane *********
 Amex too. And MasterCard.
2 years ago
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Shane **********
@Andrew ******
 ask your bank
2 years ago
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Shane **********
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Srini ******
That's expensive... If you don't need it don't get it. Check to see if your existing insurance will cover you.
2 years ago
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Jonas *************
I have a bridge to sell you. I mean how you going to get over the river when you find the river?
2 years ago
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Lincoln *******
@Srini *****
 nobody 'needs' insurance now that Thaipass is gone. One only 'needs' insurance now once it is too late to make the decision
2 years ago
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Bob *******
ORIGINAL POSTER
@Srini *****
 it’s 3.50 a day. Wow lots of cheap Charlie’s here
2 years ago
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Aaron ****************
@Bob ******
 hey, there are cheap charlies, then there are guys who don't want to spend £100 on insurance.
2 years ago
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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.
2 years ago
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Srini ******
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Mike ********
@Srini *****
 mine does. BCBS
2 years ago
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Bob *******
ORIGINAL POSTER
@Mike *******
 I have it as well. Copays will be a lot more
2 years ago
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Mike ********
@Bob ******
 still beats paying twice for insurance
2 years ago
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Mike ********
@Bob ******
 out of network
2 years ago
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Mike ********
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Bob *******
ORIGINAL POSTER
@Srini *****
 it’s 105 usd for piece of mind. One good night of drinking
2 years ago
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Eileen ***********
@Bob ******
 and transportation for free back with nurse on an airplane if needed. That’s why I always buy.
2 years ago
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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.
2 years ago
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Andrew *******
Nick MuayPlam in Thailand? Or another country
2 years ago
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Andrew *******
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ᜋᜇ᜔ᜃ᜔ **********
FWD is cheaper
2 years ago
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Bob *******
ORIGINAL POSTER
@Mark *****
 not the same thing but ok. Not easy to even get a quote. And only cover to age 60
2 years ago
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Bob *******
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Mike ******
Reasonable, until they refuse to cover anything once something happens to you.
2 years ago
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Bob *******
ORIGINAL POSTER
@Mike *****
 why would they?
2 years ago
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Damien ********
@Mike *****
 100% true .. so easy for insurance firms to refuse a claim and there’s nothing u can do about it …
2 years ago
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Damien ********
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Jeffrey *******
Cost of insurance is subjective. 3919 may be a good price, but it depends on what the coverages and the limits are.
2 years ago
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Peter *******
@Jeffrey ******
 Sensible post at last, very rare these days….
2 years ago
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Peter *******
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