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What are the best insurance options in Thailand apart from AXA?

Thailand insurance expat insurance Luma AXA travel insurance COVID-19 coverage insurance comparison 30-day insurance medical check Luma COVID policy

Oct 25, 2021

3 years ago

ORIGINAL POSTER

Preceding this with, yes I'm lazy, but

What insurance have people been getting if not AXA? 

Or is Axa's price and conditions comparable to other companies? 

Looking for a 3 month policy.

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TLDR : Answer Summary

The post discusses insurance options for expats in Thailand, specifically looking for alternatives to AXA for a 3-month policy. Commenters recommend Luma as a good option, citing its comparable pricing and coverage, as well as Arawan Namak and Safety Wing as alternatives. There are discussions regarding COVID-19 coverage details, with some commenters expressing concerns about asymptomatic cases not being covered under certain policies. Overall, it serves as a community-driven comparison of insurance plans available for short-term stays.

Bryn ********

Luma, I saw requires medical check from 65 years+.

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Steven ******

Safety Wing. For me it's only $40 USD/month, and it works for the $100k COVID coverage. I've only heard good things from other people who have reviewed it.

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Terary **********

Seems odd to me that insurance is the same for vaccinated, not vaccinated, and does matter which vaccine. If some are more effective than others and any is more effective than none, shouldn't risk affect cost?

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Wayne *********

I have found the insurance companies prices change depending on country your from. EU is cheaper than coming from Australia

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Lisa ********************

ACS cheaper than Luma

Contact

for comparison

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Jo ****

Tune insurance Thailand. 8000 baht for 3 month.

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Niclas ***********

Last I compared for 1 month Allianz was cheaper and cover more.

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Phil **********

Good info, thanks, should help a few people..

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Phil **********

Interesting, what about 3 months covid cover for travel, Luma 7400

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Niclas ***********

@Phil *********

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Niclas ***********

@Phil *********

maybe depends on origin the following is the quotes I saw for 3 companies in THB. Origin for my wife travel is Singapore.

3 months:

LUMA - 7400

AXA - 6790

Allianz ACS - 5000

This was from

@https://www.fac****************

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Niclas ***********

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Jared **********

I used Insubuy, was under $100 for 90 days

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Dick **********

The price depends on your age. I paid Bht34,000 and I was 68 when I purchased

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Bryn ********

@Dick *********

Luma, I saw requires medical check from 65 years+.

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Dick **********

Not when I bought back in December

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Dick **********

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Xaynaly **************

@Dick *********

For Luma Thailand Pass, premium only differs depending on duration of coverage. The same duration has the same premium for all ages from 1 to 74 years old.

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Jo *******

ORIGINAL POSTER

@Dick *********

Three months from AXA?

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Dick **********

12 months from Luma

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Dick **********

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Dick **********

If you read the Luma policy, if you get covid without symptoms, then there is no cover.

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Phil **********

@Dick *********

bet a few don't see that!

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Xaynaly **************

@Phil *********

I work for Luma and would like to confirm that asymptomatic covid positive cases are covered.

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Niclas ***********

@Xaynaly *************

so why would the policy received by Dick state different? Also the summary I got from broker is also same. Has there been a recent change can you share the legal document? FAQ on a homepage doesn't help people when they claim or is in dispute with Luma :)

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Niclas ***********

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Phil **********

Post from

@Niclas **********

below seems to have that info?

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Shannon ********

@Phil *********

is there one that definitely does cover asymptomatic positive cases at the chance you get hospitalized?

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Shannon ********

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Phil **********

@Dick *********

where did you get that info from?

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Dick **********

@Phil *********

It is on my policy document

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Dick **********

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Xaynaly **************

@Dick *********

********************************************************************************

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Xaynaly **************

@Dick *********

Luma covers asymptomatic covid positive cases.

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Dick **********

@Xaynaly *************

If you look st the summary of coverage page, remark 2, at the bottom states "the expenses for quarantined with no symptoms or treatment is not covered under this policy"

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Dick **********

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Xaynaly **************

******************

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Jim ********

AXA thailand but never had to use it in anger. Ts and Cs looked ok. As others have said Luma sounds pretty good so I may investigate them for my next visit.

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Jo *******

ORIGINAL POSTER

Anger?!

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Jim ********

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Jim ********

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Frank ******

Three months 7400

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Jo *******

ORIGINAL POSTER

AXA?

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Frank ******

LUMA

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Frank ******

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Frank ******

Yes Luma has best coverage at

*****

yearly

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Phil **********

Luma, cheaper than AXA and same coverage.

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Andy *******

Also

with Luma/Tune is quick and professional

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Andy *******

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