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

James Adams my mother is 75+ bought the same AXA EasyCare OA insurance . Her premium is THB 35K per year (with THB 300K deductible), it is very good for her age with THB 4M cover. OA visa is the best way to enter Thailand with 1-year multiple entry without the need to block THB 800K with a local bank. We all travel once a year, and this is usually applied online. If extend this inside Thailand then need to block 800K THB in a bank.

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

Graham Day

Irwin Hankins broker is looking into it but they do have small print about doctor fees, which not only I missed but also never thought about

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

Andy Magann ps. As others mentioned go through a broker , they have internal contact to speed and clear things up . If you go direct , you will hang yourself while waiting 😁

Andy Magann international policy easier to pay but premium be double , in my case , at the end of the day , even with what they did not cover , still cheaper than full international policy and now that I know the “stupid” rules can navigate it better next time .

Andy Magann si c’est pas cher c’est de la merde

Andy Magann look cheap make sure your full covered and all existing conditions are. I’m sure when you see them it will go up in price