Key Features of This Plan

กรุงไทยแอกซ่า offers flexible coverage

Expert Review

CHECKDi

CheckDi Editorial

Health insurance analysis team · Compared 200+ plans from 30+ insurers

⭐⭐⭐⭐⭐ 4.5/5
After comparing 200+ health plans in the market, กรุงไทยแอกซ่า stands out for its comprehensive coverage with 11 plan levels, affordable starting premium, actual-cost IPD and ICU, and cashless hospital network.
✅ Why CheckDi Recommends
  • Comprehensive coverage, no per-visit limit
  • Nationwide hospital network, cashless
  • Starting premium below market average
⚠️ Things to Know Before Deciding
  • 30-day waiting period
  • OPD may require add-on purchase
  • Read policy details before deciding

Who Is This For

กรุงไทยแอกซ่า is designed for multiple lifestyles

👩‍💻

Office Workers / Freelancers

No company benefits or insufficient coverage

👨‍👩‍👧

Families

Want peace of mind that medical costs won't impact savings

🧳

Frequent Travelers

Need coverage both domestic and international

🏃

Young Professionals Starting to Plan

Low premiums at young age, upgrade as income grows

Coverage Comparison

Compare plans from กรุงไทยแอกซ่า to find the best fit

CoverageCPR Cancer Rider2011523123DCI Death + 31 CI Rider4105
Main Coverage           
Invasive cancer benefit11-1--1--11
Skin Cancer Benefit0.1----------
Non-invasive cancer benefit0.150.2-0.2--0.25--0.20.2
CI benefit — intermediate stage0.30 (no separate intermediate stage)-0 (no separate intermediate stage)--0 (no separate intermediate stage)0 (no middle stage)-0 (no separate intermediate stage)0 (no separate intermediate stage)
Max total benefit11.8500,000 (actual medical expenses, per policy year (IPD + OPD))1.81,000,000 (actual medical expenses, per policy year (IPD + OPD))3,000,000 (actual medical expenses, per policy year (IPD + OPD))Up to approximately 160% of sum insured110,000,000 (actual medical expenses, per policy year (IPD + OPD))1.81.8
Multi-pay (max claims)Unlimited (within 100% of SA)5-5--6 (child max 6 claims - adult max 5)1 (contract ends after payout)-55
Waiting period — first claim60-120 days (stage 1 120 · stages 2-3 90 · stage 4 60 days)-90 (from rider effective date)-90 (from rider effective date)90 (from rider effective date)--90 (from rider effective date)--
Daily income (cancer inpatient)Optional add-on 1,000-10,000/day (HIC add-on · stages 2-4 up to 365 days · 90/90/60-day waits)----------
Death BenefitNot covered-0 (Not covered)-0 (Not covered)0 (Not covered)Not covered (0) (from causes other than a critical illness — covered by the host life policy)10 (Not covered)--
Early stage payout-0.2-0.2--0.25Not covered-0.20.2
Severe stage payout-1-1--11-11
Total diseases covered-7010 (plus 4 childhood diseases)7010 (plus 4 childhood diseases)10 (plus 4 childhood diseases)1233110 (plus 4 childhood diseases)7070
Death benefit (% of sum assured)-1-1-----11
Maturity Benefit (Guaranteed)-1-1-----11
Death Benefit Formula-Sum Assured or premiums paid (whichever higher)-Sum Assured or premiums paid (whichever higher)-----Sum Assured or premiums paid (whichever higher)Sum Assured or premiums paid (whichever higher)
Premium Payment Term (Years)-20-20-----2020
Coverage Until Age-85-85-----8585
Standard room per day--2,000 (children 1 month–10 years: 1,500 THB/day)-3,000 (children 1 month–10 years: 2,500 THB/day)5,000--10,000--
ICU room per day--6,000 (children 1 month–10 years: 4,500 THB/day)-9,000 (children 1 month–10 years: 7,500 THB/day)15,000--30,000--
Critical Illness (CI)------1----
Additional Coverage           
Invasive cancerCoveredCovered (early stage · severe stage)Covered (cancer and tumours · all stages)Covered (early stage · severe stage)Covered (cancer and tumours · all stages)Covered (cancer and tumours · all stages)Covered (severe stage · early to moderate stage)CoveredCovered (cancer and tumours · all stages)Covered (early stage · severe stage)Covered (early stage · severe stage)
Stroke-Covered (severe stage)Covered (nervous system and brain)Covered (severe stage)Covered (nervous system and brain)Covered (nervous system and brain)Covered (severe stage)CoveredCovered (nervous system and brain)Covered (severe stage)Covered (severe stage)
Chronic kidney failure-Covered (severe stage)-Covered (severe stage)--Covered (severe stage · early to moderate stage)Covered-Covered (severe stage)Covered (severe stage)
Max annual medical benefit-----------
Medical Diagnostic Services--As charged (diagnostics, as charged)-As charged (diagnostics, as charged)As charged (diagnostics, as charged)--As charged (diagnostics, as charged)--
Physician Hospital Visit Fee per day--As charged (physician fees, as charged)-As charged (physician fees, as charged)As charged (physician fees, as charged)--As charged (physician fees, as charged)--
Accident Outpatient within 24 hrs--0 (Not covered)-0 (Not covered)0 (Not covered)--0 (Not covered)--
Day Surgery--As charged (day surgery, as charged)-As charged (day surgery, as charged)As charged (day surgery, as charged)--As charged (day surgery, as charged)--
Post-Hospitalization Rehabilitation--0 (not covered (section 8))-1,500 (per time, max 12 times a year (section 8))2,500 (per time, max 12 times a year (section 8))--As charged (max 12 times a year (section 8))--
Dialysis--0 (Not covered)-0 (Not covered)0 (Not covered)--0 (Not covered)--
Cancer Radiation Therapy--As charged (radiotherapy, as charged)-As charged (radiotherapy, as charged)As charged (radiotherapy, as charged)--As charged (radiotherapy, as charged)--
Cancer Chemotherapy--As charged (chemotherapy, as charged)-As charged (chemotherapy, as charged)As charged (chemotherapy, as charged)--As charged (chemotherapy, as charged)--
Ambulance--0 (Not covered)-0 (Not covered)0 (Not covered)--0 (Not covered)--
Minor Surgery--As charged (minor surgery, as charged)-As charged (minor surgery, as charged)As charged (minor surgery, as charged)--As charged (minor surgery, as charged)--
Mental Health Coverage--0 (not covered (section 15))-30,000 (inpatient and outpatient, per policy year (section 15))50,000 (inpatient and outpatient, per policy year (section 15))--100,000 (inpatient and outpatient, per policy year (section 15))--
Outpatient Telemedicine--0 (not covered (section 14))-1,500 (max 2 times a year (section 14))2,500 (max 2 times a year (section 14))--As charged (max 12 times a year (section 14))--
Post-critical-illness recovery benefit--0 (not covered (section 16))-30,000 (paid once per policy term (section 16 CIs Care recovery))50,000 (paid once per policy term (section 16 CIs Care recovery))--100,000 (paid once per policy term (section 16 CIs Care recovery))--
Surgical Fees--As charged (surgery & procedures, as charged)-As charged (surgery & procedures, as charged)As charged (surgery & procedures, as charged)--As charged (surgery & procedures, as charged)--
General OPD Coverage--As charged (covered critical illnesses only)-As charged (covered critical illnesses only)As charged (covered critical illnesses only)--As charged (covered critical illnesses only)--
Lifetime Limit--1,500,000 (3x the annual benefit)-3,000,000 (3x the annual benefit)9,000,000 (3x the annual benefit)--30,000,000 (3x the annual benefit)--
Acute heart attack--Covered (heart)-Covered (heart)Covered (heart)Covered (severe stage)CoveredCovered (heart)--
Major organ / bone-marrow transplant--Covered (major organ systems)-Covered (major organ systems)Covered (major organ systems)Covered (severe stage)CoveredCovered (major organ systems)--
Maturity Benefit------Not covered (0) (1-year rider — no maturity or cash value)----
Waiver of Premium - Disability (WP)------Covered (After a claim, no further premiums due for the claimed portion)----
Total permanent disability-------Covered---
Starting Premium≈ 2,605* /yr≈ 3,435* /yr≈ 3,913* /yr≈ 4,252* /yr≈ 4,333* /yr≈ 5,002* /yr≈ 5,017* /yr≈ 5,545* /yr≈ 5,856* /yr≈ 6,135* /yr≈ 12,160* /yr

* Starting price for the lowest-risk profile. Actual price varies by age, gender, and insurer conditions.

Comparison: Private Health Insurance vs Social Security

Why is comprehensive health insurance essential, even with social security?

Social Security กรุงไทยแอกซ่า
Coverage Amount Per entitlement (limited) Up to 30M THB/year
Choose Hospital ❌ Must use assigned hospital ✅ Choose from 1,000+
Private Room ❌ Shared ward ✅ Private room available
Advance Payment Not needed (but limited hospitals) ✅ Cashless at network hospitals
Outpatient (OPD) ✅ Per entitlement ✅ Add-on available
Critical Illness Limited by criteria ✅ Pay as actual
Tax Deduction ❌ ✅ Up to 25,000 THB

Terms & Conditions

Claims Process

Real Claims Example

Simulated scenario showing how insurance helps

👩

Ms. Somying, age 35

Premium 12,500 THB/year

SCENARIO

Severe abdominal pain, emergency appendectomy at private hospital, 3-day stay

Room + meals (3 days) 12,000 THB
Surgery + doctor fees 65,000 THB
Medicine + medical supplies 18,000 THB
Total medical costs 95,000 THB
กรุงไทยแอกซ่า pays
95,000 THB
Pay as actual, no per-visit limit
You pay
0 THB
Cashless at network hospitals

Frequently Asked Questions

Qกรุงไทยแอกซ่า คุ้มครองอะไรบ้าง?
กรุงไทยแอกซ่า มี 11 แผนให้เลือก เบี้ยเริ่มต้นเพียง ฿2,605/ปี ดูรายละเอียดความคุ้มครองแต่ละแผนได้ในตารางเปรียบเทียบ
Qซื้อผ่านเช็คดิต่างจากซื้อตรงกับบริษัทประกันอย่างไร?
ราคาเดียวกัน แต่ซื้อผ่านเช็คดิช่วยเปรียบเทียบแผนจากหลายบริษัทได้ในที่เดียว สมัครออนไลน์ได้ทันที
Qยกเลิกกรมธรรม์ได้หรือไม่?
ได้ ภายใน 15 วันแรกของการรับกรมธรรม์ (Free Look Period) ได้รับเบี้ยคืนเต็มจำนวน
Qลดหย่อนภาษีได้หรือไม่?
เบี้ยประกันสามารถนำไปลดหย่อนภาษีได้ตามหลักเกณฑ์ของกรมสรรพากร

About กรุงไทยแอกซ่า

กรุงไทยแอกซ่า

กรุงไทยแอกซ่า

⭐⭐⭐⭐⭐ 4.5/5

กรุงไทยแอกซ่า is a leading insurer in Thailand offering comprehensive health and non-life insurance products.