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Which insurance is better, AXA or Tune for expats in Thailand?

AXA Tune insurance for expats Thailand Pass COVID-19 insurance broker services visa support health insurance travel insurance

February 10, 2022

3 years ago

Darren *********

ORIGINAL POSTER

AXA or Tune for insurance?

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TLDR : Answer Summary

The conversation discusses the merits of AXA and Tune insurance for expats in Thailand, highlighting that AXA is preferred for claims support, especially concerning COVID-19 coverage and additional services like broker support. While some participants recommend Tune for its ease and potentially lower cost, they warn that it lacks coverage for motorcycle incidents. Recommendations suggest consulting brokers for personalized help, particularly in light of recent changes to insurance policies in Thailand.

Gordon *******

AXA for us in November. recognised large Insurers in Thailand

"You know it makes sense"

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Teik ************

So better to get an agent to support and apply before 15th Feb? I also need support for TP insurance for 1 pax

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Jane ******

Hi. Am trying to find someone who can sort my insurance, thai pass and hotel for day 1&5

Any agents? Thanks

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Paul ********

Always remember one thing in life.

"YOU ONLY GET WHAT YOU PAY FOR"....Buy Cheap,Get Cheap....TRUE.

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Greg *******

Would of said AXA earlier. Now their policy is worthless on test and go after Feb 15th. Luma looks much better now

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Greg *******

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Greg *******

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Nic *****

Tune

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Brad ********

I used AXA

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Joseph *********

Tune. Excellent for me.

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Darren *********

ORIGINAL POSTER

@Joseph ********

have you made a claim with them?

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Joseph *********

@Darren ********

I had food poisoning last year and was hospitalized for one night. Paid up front and reimbursed in about three weeks, 100%. No complaints.

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Darren *********

ORIGINAL POSTER

@Joseph ********

that’s good to know. I see a lot of people commenting on some of the insurance companies not wanting to pay when a claim is made. Most notably AXA and Luma/Tune. Maybe it’s only the Covid related claims.

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Joseph *********

@Darren ********

It's a gamble with any company. But that's just my experience. Good luck!

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Joseph *********

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Ryan ***********

Axa

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Greg *******

Buy from a broker so they help when you need to claim

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Darren *********

ORIGINAL POSTER

Jenny Rose Punio thanks for clarifying that Jenny.

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Greg *******

Jenny Rose Punio new laws coming on Tuesday. Looks like Luma only game in town

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Darren *********

ORIGINAL POSTER

what do you mean Luma only game in town?

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Greg *******

@Darren ********

AXA policy on Tuesday becomes worth something only if you are almost dead. No symptoms or hospitel is no longer covered with new AXA policies.

All other Thai policy are the same except luma if the Dr orders it.

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Greg *******

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Darren *********

ORIGINAL POSTER

thanks. Doesn’t the insurance company help when you make a claim? What can the broker do that you can’t do yourself? Just curious.

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

@Darren ********

be aware Luma don't cover for motorbike accidents. Good for Covid cover for TP. But maybe take out extra travel insurance to cover bike accidents. AXA and ACS do.

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Darren *********

ORIGINAL POSTER

@Lisa *******************

thanks Lisa.

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Darren *********

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

@Darren ********

many people posted they could not contact their insurance company, when they needed to claim. Not answering calls, or responding to emails. But a broker will do all this for you, at no extra cost to you.

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Darren *********

ORIGINAL POSTER

@Lisa *******************

that’s great. Sounds like what I need. How do you know what a reputable broker is?

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

@Darren ********

Email:

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

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Darren *********

ORIGINAL POSTER

@Lisa *******************

thank you. I think that’s the same lady who has messaged me already. Good to know she comes recommended.

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Greg *******

@Darren ********

that’s her. The best I have seen.

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Greg *******

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Chris *********************

AXA

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Maple *********

Tune it’s easy to buy (maybe cheap more AXA) but AXA it’s batter when you claim.

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Monty *********

MSIG for good buy for my husband we go Thailand in 26th next month 30 days 999 baht(£23)

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Andreas **********

@Monty ********

this policy is for thai nationals only and live here in thailand check your policy

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Monty *********

@Andreas *********

this company just all national peoples who go Thailand they not make for Thailand peoples me just talk with them already They confirm to me 100% right Thanks

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Monty *********

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Monty *********

Because I know many company charges for you all I try looking for my husband this company have Certificates letter and Cover Covid - 19 as well

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John ******

@Monty ********

it's only a "good buy" if they pay claims. That's too cheap to believe.

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Nic *****

@Monty ********

this is cheap

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Greg *******

@Monty ********

might be the most expensive if it don’t cover no symptoms or hospitels. ( hotels operated by hospitals ) check the policy

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Monty *********

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Greg *******

@Monty ********

can you check if they cover hospitel with no symptoms. Thanks

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Monty *********

I will Thanks

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Greg *******

@Monty ********

I like to know as many new policies are changing in Thailand on Tuesday. Thanks

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Greg *******

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Alessandro **********

AXA. My wife is a broker and can help get a good health plan with full covid insurance and Thailand pass friendly. Feel free to PM me

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Adam ******

@Alessandro *********

or anyone can simply do it themselves by clicking a few buttons and filling in their details.

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Alessandro **********

not advisable unless you are looking for a travel insurance. If you need a plan for a long stay in the kingdom it's still better to have someone you can talk face to face. Or you can opt for the ultimate solution, marry an insurance agent 😀

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Stephen ********

@Alessandro *********

Not a bad plan…

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Stephen ********

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Greg *******

but I want to have someone to fight for me when I want to claim. Same price. I go with the broker.

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Greg *******

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Gino *********

Anyone know di Revolut travel insurance fits ? It’s £10,000,000 cover including hospitalisation for covid but doesn’t cover hotel quarantine

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Brian ********

this is what your covered for £10 million cover

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Gino *********

yes I know but it does not cover for quarantine … is it acceptable as travel insurance for Thai pass ?

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Brian ********

yes my friend used this policy for his Thailand Pass (TP) only three months ago google Sainsbury’s travel insurance and there’s a phone number you can phone and ask any questions you have regarding quarantine, covid Asymptomatic good luck

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Gino *********

did you say yes to revolut or yes to Sainsbury ? 😊😊

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Brian ********

Sainsburys

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Brian ********

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Brian ********

if your in UK try Sainsbury’s Travel Insurance

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Sue **********

or Staysure

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Sue **********

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Wayne *********

AXA if your going to ride a bike tune don't cover for bikes

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Darren *********

ORIGINAL POSTER

@Wayne ********

ah ok. Thanks.

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Darren *********

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Michael *********

Tune

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Michael *********

I have used them 3 times since last July and found them excellent fast to send you the documents, easy to complete and pay for your policy, easy to change dates and refund is easy if you need it, AXA dont do refunds

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Darren *********

ORIGINAL POSTER

@Michael ********

ok, great. That’s good to know. Have you made a claim with them? Thanks Micheal.

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Steven ******

@Darren ********

this is the real question, it's all well good paying them and getting the paperwork thru but what is it like when you really need their services?

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Steven ******

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Darren *********

ORIGINAL POSTER

@Michael ********

what has your experience been like?

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Kay ***********

@Darren ********

when I purchase with Tune, they reply super quick and efficiency.

But when I claim , they promise to call me back. But they don’t.

And email take much long ..

Before you buy and after you buy attitude very different

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Jason ********

@Kay **********

So then, you WOULDN'T recommend Tune...

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Jason ********

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