AXA 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 medical coverage, family plans, and corporate health insurance options like AXA SmartCare Essential. Plans vary in terms of coverage limits, benefits, and premiums to fit your lifestyle.

A2: AXA SmartCare Essential covers inpatient and outpatient medical treatments, surgical operations, specialist physician consultations, hospital room allowances, and emergency evacuation services across Thailand.

A3: Coverage for pre-existing conditions varies by underwriting. In some cases, specific waiting periods may apply or certain conditions may be subject to review.

A4: At partner hospitals, you can enjoy direct cashless billing simply by presenting your card. For reimbursement claims, you can submit medical receipts and documents online or via Pacific Care brokers.

A5: Yes, AXA provides access to an extensive network of over 400 private and public hospitals and clinics throughout Thailand.

A6: Yes, AXA SmartCare Essential includes emergency medical treatment coverage during trips abroad for up to 90 consecutive days.

A7: You can update your health insurance coverage, add family members, or adjust deductibles during annual renewal through Pacific Care's advisory team.