AXA Thailand

SmartCare Essential

Health Insurance for Expats in Thailand

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Affordable and Comprehensive 

Health Insurance in Thailand

Find The Best Health Insurance Plans Tailored For Expats

  • Comprehensive coverage options
  • Affordable premiums
  • Trusted by thousands of customers
  • 24/7 customer support

Affordable Premium

Start at

THB 0

Start at

THB 0

Start at

THB 0

Start at

THB 0

Start at

THB 0

Start at

THB 0

Global insurance brand

Present in 57 countries

No Advance Payment

At AXA network of over 400 hospitals and clinics nationwide

Deductible Options

Reduce Insurance Premium

Care for your family

Offer a family discount

Global Coverage

Covers trips abroad up to 90 days

Maximum entry age: 64 years

Renewable up to the age of 99 years old

SmartCare Essential Plans

Plan 1

IPD: THB 1M / illness

Plan 2

IPD: THB 2M / illness

Plan 3

IPD: THB 5M / illness

Plan 4

IPD: THB 10M / illness

OPD Option 1

3,000 / day

OPD Option 2

50,000 / year

"Through our experience, we've found that AXA provides the top health insurance options for expats and foreigners in Thailand, combining comprehensive coverage with affordable premiums"

GET POLICY VIA EMAIL INSTANTLY

Securely via AXA Thailand's Official Website

 Apply online easily with no medical exam policy sent instantly via email.

 Medical expenses covered up to 10M baht per illness.

 Meets requirements for Long Stay and Long Term Resident Visas.

 Cashless claims at hospitals across Thailand.

 Flexible deductibles to lower premiums.

 Optional wellness benefits: vaccinations, check-ups, dental, and optical care.

 Customizable OPD benefits: Per Visit or Per Year.

Simplified and Secured by Your Trusted Insurance Broker

Table of Benefits: AXA SmartCare Essential

Terms and Conditions



1. Eligible for applicants aged between 15 days and up to 60 (Children under 18 years old must apply with at least one parent/legal guardian).

2. Premium may be adjusted following the age increase. Renewable up to the age of 99 years old.

3. The company will not cover for any illness within 30 (thirty) days as from the first inception date which the Covered Person is covered (except for accidental injuries)

4. The company will not cover following illnesses which are tumors, cysts, or all kinds of cancer, hemorrhoids, all kinds of hernias, pterygium or cataract, tonsillectomy or adenoidectomy, all kinds of calculi, varicose veins, endometriosis for the first 120 days from the first inception date.

5. The Company will not pay benefits under this Policy for any Chronic Conditions or Pre-existing conditions, including any complications that are not yet fully cured before the date this Policy first comes into effect.

6. Maximum Benefits (per Illness) refers to maximum limit Per Confinement at any times due to the same Injury or Illness including related or consequential complications within 90 days from the date of the latest discharge from the Hospital which shall be deemed as the same hospitalization.

7. The policy will not cover any loss, injury, damage or legal liability arising directly or indirectly in the sanctioned countries declared by the United Nation (UN) or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

8. The Company reserves the right to decline insurance coverage for certain occupational groups.



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Terms and conditions of coverage and underwriting as specified by AXA, the Insured should understand before making the decision.

Client Testimonials

Sarah Thompson, 34, Marketing Manager

⭐⭐⭐⭐⭐

"I recently switched to AXA Health Insurance, and its been a game-changer for my family. The coverage is comprehensive, and the claims process was surprisingly quick and hassle-free. I appreciate their prompt customer service and the extensive network of hospitals they partner with. Highly recommend to anyone looking for reliable health insurance!"

David Nguyen, 55, Software Engineer

⭐⭐⭐⭐⭐

"AXA has been my health insurance provider for over a year now, and Ive been quite satisfied. I had to visit a specialist recently, and the pre-approval process was seamless. The only minor issue I faced was some delay in getting my reimbursement, but their support team resolved it quickly. Overall, its been a positive experience."

Emily Carter, 41, Freelance Graphic Designer

⭐⭐⭐⭐⭐

"Choosing AXA Health Insurance was one of the best decisions Ive made. Their online portal makes it easy to manage my policy, and I love the added wellness benefits they offer, like discounts on health checkups. The support staff is knowledgeable and courteous, making me feel valued as a customer. Totally worth the investment!"

Frequently Asked Questions (FAQs)

Q1: What types of health insurance plans does AXA offer?

A1: AXA offers a variety of health insurance plans, including individual health coverage, family plans, and corporate health insurance options. Plans vary in terms of coverage limits, benefits, and premiums, allowing you to choose the one that best fits your needs and budget.


Q2: What does AXA health insurance cover?

A2: AXA health insurance typically covers a wide range of medical services, including inpatient and outpatient treatments, specialist consultations, surgery, maternity care, diagnostic tests, and prescription medications. Additional benefits may include wellness programs, dental care, and vision coverage, depending on the plan.


Q3: Are pre-existing conditions covered under AXA health insurance?

A3: Coverage for pre-existing conditions varies by plan. In some cases, a waiting period may apply, or certain conditions may be excluded. Its best to review the specific terms and conditions of your plan or speak with an AXA representative for more details.


Q4: How do I file a claim with AXA health insurance?

A4: To file a claim, you can submit your medical receipts and relevant documents through AXAs online portal or mobile app. Alternatively, you can submit your claim by email or at an AXA office. Claims are processed efficiently, and AXAs customer service team is available to guide you through the process.


Q5: Can I choose my own doctor or hospital with AXA health insurance?

A5: Yes, AXA provides access to a wide network of hospitals and healthcare providers. Depending on your plan, you may have the flexibility to choose your doctor and healthcare facility. However, some plans may have a preferred network of providers that offer additional benefits.


Q6: Does AXA health insurance cover international medical care?

A6: Many AXA health insurance plans include coverage for international medical care, particularly for emergencies. If you travel frequently or live abroad, you may want to consider a plan that provides global coverage.


Q7: How can I update my AXA health insurance plan?

A7: You can update your health insurance plan by contacting AXA directly through their customer service team or by logging into your account on the AXA website. You can make changes to your coverage, add family members, or adjust your benefits based on your needs.

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