Answered5 years ago
What are the best insurance options in Thailand apart from AXA?
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.
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.
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.
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Bryn ********
Luma, I saw requires medical check from 65 years+.
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.
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?
Wayne *********
I have found the insurance companies prices change depending on country your from. EU is cheaper than coming from Australia
Lisa ********************
Jo ****
Tune insurance Thailand. 8000 baht for 3 month.
Niclas ***********
Last I compared for 1 month Allianz was cheaper and cover more.
Phil **********
Good info, thanks, should help a few people..
Phil **********
Interesting, what about 3 months covid cover for travel, Luma 7400
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****************
Jared **********
I used Insubuy, was under $100 for 90 days
Dick **********
The price depends on your age. I paid Bht34,000 and I was 68 when I purchased
Bryn ********
@Dick *********
Luma, I saw requires medical check from 65 years+.Dick **********
@Bryn *******
Not when I bought back in DecemberXaynaly **************
@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. 
Jo *******
OP@Dick *********
Three months from AXA? Dick **********
@Jo ******
12 months from LumaDick **********
If you read the Luma policy, if you get covid without symptoms, then there is no cover.
Phil **********
@Dick *********
bet a few don't see that!Xaynaly **************
@Phil *********
I work for Luma and would like to confirm that asymptomatic covid positive cases are covered. 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 :)Phil **********
Post from
@Niclas **********
below seems to have that info?
Shannon ********
@Phil *********
is there one that definitely does cover asymptomatic positive cases at the chance you get hospitalized? Phil **********
@Dick *********
where did you get that info from?Dick **********
@Phil *********
It is on my policy documentXaynaly **************
@Dick *********
********************************************************************************
Xaynaly **************
@Dick *********
Luma covers asymptomatic covid positive cases.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"Xaynaly **************
******************
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.
Jo *******
OP@Jim *******
Anger?! 
Frank ******
Three months 7400
Jo *******
OP@Frank *****
AXA? Frank ******
@Jo ******
LUMAFrank ******
Yes Luma has best coverage at
*****
yearlyPhil **********
Luma, cheaper than AXA and same coverage.
Andy *******
Also
@Arawan ******
with Luma/Tune is quick and professional Activity
16 joined16
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