What are the experiences of expats with AXA Smart Care health insurance in Thailand?

Andrew Pearson chose OA if you want to eventually avoid blocking 800K THB. Also I selected 300K THB deductible to save premium.

Vera Khwanruethai it has thats the result of heavy research that I navigated through this

Duncan McRae Scott I have mixed feelings. In terms of cost of premiums I think AXA is of the best, but the downside is how slow and picky they can be. Perfect example is paying for only 1 doctor visit. This is not something in patients control and even less so when have different doctors. “Better” policies have max total they would pay for doctor visit , or no limit , but those policies come at a much higher premium. International policies normally more lenient, but premiums are double if not higher . Despite popular myth that Thai insurances are not regulated , it’s actually totally opposite. Also another “positive “ that I will try to explain as short as possible . Normally private hospital likr Bangkok hospital , would require either a deposit or letter of guarantee from the insurance. In case of emergency like mine, there was no time to apply for pre approval or a guarantee but yet when hospital saw it was AXA, I got admitted on the spot, no deposit was asked. Within about 2 hours from arriving in ER I was already in ICU. Not once hospital asked for any money during treatment.

I know quite a few people who have international policies or with other companies and almost all were asked for a deposit.

So I think AXA has a good reputation with hospitals, my only complaints is the waiting time to process and things they did not cover. BUT to put it in perspective , amount they did not cover is about the same as premium price difference between say AXA and April.

This was my first claim in 3 years , even with what was not covered I have still saved money on premiums if I was with another company

Hope it makes sense

Andy Magann Be aware travel insurance primary objective is to have you returned home for treatment at which point moment you step foot in Australia , insurance stops to pay.if they decide to bring you home instead of local treatment , also do not expect biz class flight but would be economy. On the other hand , health insurance is normally a 6 month waiting period before you can make a claim , though accidents covered immediately

Andy Magann does cover more offer health insurance or only travel insurance? If only travel there will be a limit of days you get covered while away. Some only 45 days some 60 days