SmartCare Essential

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.

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

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.

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.

A3: Coverage for pre-existing conditions varies by plan. In some cases, a waiting period may apply, or certain conditions may be excluded.

A4: To file a claim, you can submit your medical receipts and relevant documents through AXA's online portal or mobile app, by email, or at an AXA office.

A5: Yes, AXA provides access to a wide network of hospitals and healthcare providers across Thailand and internationally.

A6: Many AXA health insurance plans include coverage for international medical care, particularly for emergencies and trips abroad up to 90 days.

A7: You can update your health insurance plan by contacting AXA directly through their customer service team or through Pacific Care brokers.