Key Features of This Plan
AXA SwitchCare offers flexible coverage
Up to 30,000,000 (Per policy year)
Max Annual Limit
4 plans to choose from
Pick the plan that fits your budget and needs
From ฿31,490/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
CheckDi Editorial
Health insurance analysis team · Compared 200+ plans from 30+ insurers
After comparing 200+ health plans in the market, AXA SwitchCare stands out for its comprehensive coverage with 4 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 SwitchCare 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 SwitchCare to find the best fit
| Coverage | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Main Coverage | ||||
| Max Annual Limit | 3,500,000 (Per policy year) | 7,500,000 (Per policy year) | 15,000,000 (Per policy year) | 30,000,000 (Per policy year) |
| Deductible | None (Optional 60,000 (-28%) · 120,000 (-37.5%) · 240,000 (-42.5%), inpatient premium only) | None (Optional 60,000 (-28%) · 120,000 (-37.5%) · 240,000 (-42.5%), inpatient premium only) | None (Optional 60,000 (-28%) · 120,000 (-37.5%) · 240,000 (-42.5%), inpatient premium only) | None (Optional 60,000 (-28%) · 120,000 (-37.5%) · 240,000 (-42.5%), inpatient premium only) |
| Room & Board per day | 6,000/day (Non-intensive care unit) | 8,000/day (Non-intensive care unit) | 10,000/day (Non-intensive care unit) | 12,000/day (Non-intensive care unit) |
| ICU | As Charged (Intensive care unit) | As Charged (Intensive care unit) | As Charged (Intensive care unit) | As Charged (Intensive care unit) |
| Emergency accident care (24 hrs, no admission) | 3,750 (Per accident, within 24 hrs) | 7,500 (Per accident, within 24 hrs) | 15,000 (Per accident, within 24 hrs) | As Charged (Per accident, within 24 hrs) |
| PA - Death/Dismemberment | 200,000 (P.A. 2) | 200,000 (P.A. 2) | 200,000 (P.A. 2) | 200,000 (P.A. 2) |
| Emergency Evacuation | As Charged (Local and international (IEMA)) | As Charged (Local and international (IEMA)) | As Charged (Local and international (IEMA)) | As Charged (Local and international (IEMA)) |
| General OPD Coverage | 75,000 (Per policy year) | 90,000 (Per policy year) | 150,000 (Per policy year) | As Charged (Per policy year) |
| Coverage Area | Asia (excl. some countries) (Covered in Bangladesh, Bhutan, Brunei, Cambodia, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, the Philippines, South Korea, Sri Lanka, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Vietnam · not China, Hong Kong, Macau, Singapore, Taiwan (choose Asia to add them) · or choose Worldwide, every country except the USA and its surrounding islands · emergencies outside your area up to 30 days per trip) | Asia (excl. some countries) (Covered in Bangladesh, Bhutan, Brunei, Cambodia, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, the Philippines, South Korea, Sri Lanka, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Vietnam · not China, Hong Kong, Macau, Singapore, Taiwan (choose Asia to add them) · or choose Worldwide, every country except the USA and its surrounding islands · emergencies outside your area up to 30 days per trip) | Asia (excl. some countries) (Covered in Bangladesh, Bhutan, Brunei, Cambodia, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, the Philippines, South Korea, Sri Lanka, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Vietnam · not China, Hong Kong, Macau, Singapore, Taiwan (choose Asia to add them) · or choose Worldwide, every country except the USA and its surrounding islands · emergencies outside your area up to 30 days per trip) | Asia (excl. some countries) (Covered in Bangladesh, Bhutan, Brunei, Cambodia, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, the Philippines, South Korea, Sri Lanka, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Vietnam · not China, Hong Kong, Macau, Singapore, Taiwan (choose Asia to add them) · or choose Worldwide, every country except the USA and its surrounding islands · emergencies outside your area up to 30 days per trip) |
| Additional Coverage | ||||
| Parent accommodation | 3,000/day (Max 30 days per year) | 3,000/day (Max 30 days per year) | 3,000/day (Max 30 days per year) | 3,000/day (Max 30 days per year) |
| Hospital General Expenses | As Charged | As Charged | As Charged | As Charged |
| Physician's Fees | As Charged | As Charged | As Charged | As Charged |
| Organ Transplant | As Charged (Within the surgical limit) | As Charged (Within the surgical limit) | As Charged (Within the surgical limit) | As Charged (Within the surgical limit) |
| Surgical medical implants or prosthetic implants | As Charged (Within the surgical limit) | As Charged (Within the surgical limit) | As Charged (Within the surgical limit) | As Charged (Within the surgical limit) |
| Pre-hospitalization | 60,000 (Within 90 days before and after · shares one limit with post-hospitalisation) | 120,000 (Within 90 days before and after · shares one limit with post-hospitalisation) | As Charged (Within 90 days before and after · shares one limit with post-hospitalisation) | As Charged (Within 90 days before and after · shares one limit with post-hospitalisation) |
| Post-hospitalization | 60,000 (Within 90 days before and after · shares one limit with pre-hospitalisation) | 120,000 (Within 90 days before and after · shares one limit with pre-hospitalisation) | As Charged (Within 90 days before and after · shares one limit with pre-hospitalisation) | As Charged (Within 90 days before and after · shares one limit with pre-hospitalisation) |
| Post-Hospitalization Rehabilitation | As Charged (Max 30 days per condition) | As Charged (Max 30 days per condition) | As Charged (Max 30 days per condition) | As Charged (Max 30 days per condition) |
| Cancer Treatment IPD+OPD | As Charged (Inpatient and outpatient, incl. kidney dialysis) | As Charged (Inpatient and outpatient, incl. kidney dialysis) | As Charged (Inpatient and outpatient, incl. kidney dialysis) | As Charged (Inpatient and outpatient, incl. kidney dialysis) |
| Ambulance | As Charged (For inpatient treatment) | As Charged (For inpatient treatment) | As Charged (For inpatient treatment) | As Charged (For inpatient treatment) |
| Day Surgery | As Charged | As Charged | As Charged | As Charged |
| Pre-insurance Checkup | Not required | Not required | Not required | Not required |
| Mental Health Coverage | Not covered (10-month waiting period · Plan 3 max 20 days/yr · Plan 4 max 30 days/yr) | Not covered (10-month waiting period · Plan 3 max 20 days/yr · Plan 4 max 30 days/yr) | As Charged (10-month waiting period · Plan 3 max 20 days/yr · Plan 4 max 30 days/yr) | As Charged (10-month waiting period · Plan 3 max 20 days/yr · Plan 4 max 30 days/yr) |
| Nursing at Home | 90,000 (Lifetime limit) | 90,000 (Lifetime limit) | 90,000 (Lifetime limit) | 90,000 (Lifetime limit) |
| Medical aids and durable medical equipment | Not covered | Not covered | 7,500 | 15,000 |
| External prosthesis | Not covered (Every 3 years) | Not covered (Every 3 years) | 15,000 (Every 3 years) | 30,000 (Every 3 years) |
| Emergency dental treatment (accident) | As Charged | As Charged | As Charged | As Charged |
| HIV/AIDS treatment | Not covered (24-month waiting period) | Not covered (24-month waiting period) | 300,000 (24-month waiting period) | 600,000 (24-month waiting period) |
| Hospice or palliative treatment | Not covered (Lifetime limit · 12-month waiting period) | 300,000 (Lifetime limit · 12-month waiting period) | 750,000 (Lifetime limit · 12-month waiting period) | 1,500,000 (Lifetime limit · 12-month waiting period) |
| Congenital and hereditary conditions | Not covered (Lifetime limit) | Not covered (Lifetime limit) | 300,000 (Lifetime limit) | 600,000 (Lifetime limit) |
| Surgical Fees | As Charged | As Charged | As Charged | As Charged |
| Emergency treatment outside area of cover | 1,125,000 (Up to 30 days per trip) | 2,813,000 (Up to 30 days per trip) | 5,625,000 (Up to 30 days per trip) | 11,250,000 (Up to 30 days per trip) |
| Starting Premium | ≈ 31,490* /yr | ≈ 33,750* /yr | ≈ 38,450* /yr | ≈ 41,370* /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 SwitchCare | |
|---|---|---|
| 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)
Pacific Cross
Premier Plus
From ฿31,545/yr
Maximum Benefit per Admission3,000,000
DeductibleNone (choose a deductible of 20,000 / 40,000 / 100,000 / 200,000 / 300,000 THB per policy year for a 15% / 25% / 32.5% / 40% / 50% premium discount)
Room & Board per day6,000/day
Allianz
Beyond Care Plan 1
From ฿30,479/yr
Maximum Benefit per Admission1,000,000
DeductibleNone (An optional deductible lowers the premium)
Room & Board per day8,000/day
Terms & Conditions
Coverage Period
1 year, renewable annually
Payment Term
Annual (some plans allow instalments)
Tax Deduction
Up to 25,000 THB/year, and no more than 100,000 THB/year combined with life premiums
Waiting Period
Typically 30 days for illness and 120 days for certain conditions — check the policy
Full terms
See every condition, exclusion and benefit on the plan detail page or the insurer's own documents
Claims Process
Usually cashless at the hospital with your card
1
Policy or medical card
Once approved, your policy arrives by email. Some plans also issue a medical card.
2
Show it at the hospital
Go for treatment and show the medical card or your policy together with your ID.
3
The hospital files the claim
The hospital sends the claim to the insurer directly — usually nothing to pay up front.
4
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 SwitchCare Plan 1
Premium 31,490 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Max Annual Limit3,500,000 (Per policy year)
DeductibleNone (Optional 60,000 (-28%) · 120,000 (-37.5%) · 240,000 (-42.5%), inpatient premium only)
Room & Board per day6,000/day (Non-intensive care unit)
ICUAs Charged (Intensive care unit)
These figures come from this plan's own data. What is actually paid depends on the policy conditions and exclusions.
Nong CheckDi has your back
Free help choosing a plan - and when you need to claim, the CheckDi team works with the insurer for you.
Frequently Asked Questions
AXA SwitchCare - what does it cover?
AXA SwitchCare has 4 plans, from ฿31,490/year. Compare the cover of every plan in the comparison table.
How is buying through CheckDi different from buying direct?
Same price - but CheckDi lets you compare plans from many insurers in one place and apply online straight away.
Can CheckDi help with a claim?
Yes. The CheckDi team coordinates with the insurer and follows up on your claim. See the steps for this plan under "Claims Process" above.
Is the premium tax deductible?
Premiums can be deducted from personal income tax under Revenue Department rules.
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.
