Key Features of This Plan
AXA SmartCare Value offers flexible coverage
Up to 4,000,000
Max Annual Limit
2 plans to choose from
Pick the plan that fits your budget and needs
From ฿13,012/year
Real starting premium for the plan you pick
OIC regulated
The insurer is licensed and supervised by the Office of Insurance Commission
Tax deductible
Premiums qualify for a personal income tax deduction
Apply in minutes
Apply through CheckDi in 5 minutes and get the policy by email
Expert Review
CheckDi Editorial
Health insurance analysis team · Compared 200+ plans from 30+ insurers
After comparing 200+ health plans in the market, AXA SmartCare Value stands out for its comprehensive coverage with 2 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
- Declare your health and occupation truthfully — missing details can affect a claim
- OPD may require add-on purchase
- Read policy details before deciding
Who Is This For
AXA SmartCare Value 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 AXA SmartCare Value to find the best fit
| Coverage | Plan 1 | Plan 2 |
|---|---|---|
| Main Coverage | ||
| Max Annual Limit | 2,500,000 | 4,000,000 |
| Maximum Benefit per Admission | 500,000 | 800,000 |
| Deductible | None (Optional 20,000 per confinement · premium discount 45% (age 13-40) / 30% (41-60) / 10% (61+ renewal) · excludes benefit 7) | None (Optional 20,000 per confinement · premium discount 45% (age 13-40) / 30% (41-60) / 10% (61+ renewal) · excludes benefit 7) |
| Room & Board per day | 2,500/day | 3,000/day |
| ICU | 5,000/day | 6,000/day |
| Emergency accident care (24 hrs, no admission) | 10,000 (Within 24 hrs after accident · 1 follow-up within 30 days · deductible does not apply) | 15,000 (Within 24 hrs after accident · 1 follow-up within 30 days · deductible does not apply) |
| PA - Death/Dismemberment | 10,000 (P.A. 2) | 10,000 (P.A. 2) |
| Coverage Area | Thailand | Thailand |
| Additional Coverage | ||
| Hospital General Expenses | As Charged | As Charged |
| Medical Diagnostic Services | As Charged | As Charged |
| Blood Services & Components | As Charged | As Charged |
| Nursing Services | As Charged | As Charged |
| Medications & Medical Supplies | As Charged | As Charged |
| IV Nutritional Substances | As Charged | As Charged |
| Take-home medication & supplies (per admission, max 30 days) | As Charged (Max 30 days) | As Charged (Max 30 days) |
| Physician's Fees | 1,500/day | 2,000/day |
| Operating Room & Equipment | As Charged | As Charged |
| Anesthesiology Fees | As Charged | As Charged |
| Surgeon's fee incl. assistant (OIC 4.3) | As Charged (Incl. assistant surgeon) | As Charged (Incl. assistant surgeon) |
| Organ Transplant | Not covered | Not covered |
| Pre-hospitalization | As Charged (Within 30 days before and after admission) | As Charged (Within 30 days before and after admission) |
| Post-hospitalization | As Charged (Within 30 days after discharge, excl. examination fee) | As Charged (Within 30 days after discharge, excl. examination fee) |
| Post-Hospitalization Rehabilitation | Not covered | Not covered |
| Dialysis | Not covered (Per year) | 40,000 (Per year) |
| Cancer Treatment IPD+OPD | As Charged (Radiotherapy, interventional radiology, nuclear medicine and chemotherapy) | As Charged (Radiotherapy, interventional radiology, nuclear medicine and chemotherapy) |
| Ambulance | As Charged | As Charged |
| Day Surgery | As Charged | As Charged |
| Minor Surgery | As Charged | As Charged |
| Pre-insurance Checkup | Not required | Not required |
| Hospital Cash Benefit | 500/day (When no claim is made · max 31 days per year) | 800/day (When no claim is made · max 31 days per year) |
| Funeral Benefit | 10,000 (From injury or illness) | 10,000 (From injury or illness) |
| Special Nursing Service (per day) | 1,000/day (Max 30 days per year) | 1,000/day (Max 30 days per year) |
| Pre-existing Conditions | Not covered | Not covered |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | As Charged | As Charged |
| Surgical Fees | As Charged | As Charged |
| Starting Premium | ≈ 13,012* /yr | ≈ 15,181* /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 | AXA SmartCare Value | |
|---|---|---|
| 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 |
Compare with other insurers
Similar plans from other insurers (prices for age 30)
Terms & Conditions
Claims Process
Usually cashless at the hospital with your card
Policy or medical card
Once approved, your policy arrives by email. Some plans also issue a medical card.
Show it at the hospital
Go for treatment and show the medical card or your policy together with your ID.
The hospital files the claim
The hospital sends the claim to the insurer directly — usually nothing to pay up front.
If more documents are needed
If the insurer needs more information, you may be asked to pay first and claim it back later. They will contact you about the documents.
What this plan pays
Real figures from the lowest-priced plan in this family
AXA SmartCare Value Plan 1
Premium 13,012 THB/year (age 30)
An illness that needs a hospital stay
These figures come from this plan's own data. What is actually paid depends on the policy conditions and exclusions.
Free help choosing a plan - and when you need to claim, the CheckDi team works with the insurer for you.
Frequently Asked Questions
About AXA
AXA
AXA is a leading insurer in Thailand offering comprehensive health and non-life insurance products.
Legal & Consumer Protection
OIC Regulated
This plan is approved by the Office of Insurance Commission (OIC). Policyholders are protected by law.
File Complaint with OIC
If you have issues with claims or service, call OIC hotline 1186 or visit oic.or.th
CheckDi is a Licensed Non-Life Insurance Broker
CheckDi Co., Ltd. acts as an intermediary to compare and present insurance plans from leading insurers.
