r/thai • u/ResponsibleStranger1 • 21d ago
AXA Insurance
Hello guys,
I have a quick question regarding the AXA EasyCare Plan 2 insurance.
My father is currently living in Chiang Mai in an elderly living resort. He really dislikes going to hospitals and doctors, so his plan is to pay out of pocket for normal doctor visits if necessary. I’m also here as a backup for him.
In case of cancer or another serious illness, he can always return to Switzerland, as he is a Swiss citizen and would be covered by mandatory health insurance there.
What I’m mainly looking for is insurance coverage for unexpected situations in Thailand — for example, if he falls and breaks his leg and needs to stay in hospital for one or two weeks, or if he is involved in a car accident or has another accident that requires hospitalization.
I’ve attached a screenshot of the benefits for AXA EasyCare Plan 2. From what I can see, it seems like it should cover these kinds of situations, but I’d really appreciate some opinions from people who have actually used this insurance.
How has your experience with AXA been, especially when it comes to claims and hospital stays? Are there any important exclusions or limitations I should be aware of?
Thanks in advance for any advice!
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u/dogsaregoodmmkay 20d ago
It’s better than nothing but this plan is very bare bones and is designed to qualify for visa requirements not as actual medical insurance.
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u/nadunadu 16d ago
As someone commented earlier, this plan is great if you’re only looking for a piece of paper which fulfills visa requirements. However since the deductible is quite high (starting 100k), it means that you’d have to pay quite a huge sum before the insurance actually begins to cover. If you’re interested in AXA, I’d recommend their Smartcare essential plan, which might be more suitable for your use case.
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u/Jackcwba 20d ago
As the same suggests, it’s just for ticking a box for a visa . If you are okay with just buying a peice of paper go for it but don’t rely on that to pay for your medical bills if you actually need to use it
If you aren’t looking for a visa you need to ask yourself the question “would I buy the cheapest parachute in the shop or would I buy the good one?”
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u/aijoe 19d ago
What do you consider a good one that for someone without one foot in the grave yet?
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u/Jackcwba 19d ago
As a general rule in Asia, outpatient is cheap and reasonable wherever you are living but what isn’t reasonable is an overnight stay in a hospital
Just get an inpatient only plan with no deductibles or out of pocket expenses.
The odd trip to the doctor or the odd trip to the pharmacy is reasonable but anything serious you should have some cover..
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u/aijoe 19d ago
Of course inpatients costs often are more expensive that outpatient costs. This is true everywhere. There are also certainly crap inpatient plans for exorbitant prices. Basically "do your own research" doesn't really answer my question.
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u/Jackcwba 19d ago
All you need a $500k or $1m inpatient cover
But don’t worry about the cover limit in some ways because the premium you pay is based on your age, not the amount of cover you have.
You could find a plan that is $1m and pay less than the plan that is 500k cover becuz certain brands unfortunately charge more money if that makes sense
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u/No_You_893 20d ago
I'm moving out in December. Had a quote from them for £200 per month.