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Home » Reader question » Reader question: Info about AXA Assistance, health insurance for expats in Thailand
Dear readers,
I would like to know more about AXA Assistance, a health insurance for expats in Thailand, based in Brussels. Assudis is the company that manages the contracts.
Are there expats who have experience with this? It is especially about a hospitalization insurance and if so, can I go to all hospitals in Thailand.
Yours faithfully,
Anita
Not only for Expats in Thailand but all over the world, as long as you come from Europe somewhere.
And you can use it in all Private hospitals, but not in the General Thai hospitals.
I personally have been affiliated with it for several years and have already been admitted a few times, twice for surgery and twice for other problems, and the bills have always been paid correctly to the hospital on time upon discharge.
You can always reach Me on the number: 0066898315012 for more information.
Visit the expat club on Sunday, becoming a member costs you 1 time 600 bath, you can have your blood pressure tested, your sugar, costs you nothing. Ask for Neng this friendly man does the insurance. You have club advantage AXA. And every Sunday meeting. You can have breakfast there from 10am. Will cost you 220 baht. I go regularly myself. The new contracts always start on 1 June (AXA).
According to my information, the insured amount for hospitalization is limited to 12.500 € and not to 1.000.000 € since no agreement has been concluded between the social security of Be and Th.
In the general terms and conditions, AXA does not specify which hospitals are eligible (in Thailand), but it does state the maximum amount of € 12.500.
It is clear to me that the choice lies with the patient.
I suspect you've read the terms and conditions of the contract.
I found this information on this site
https://www.assudis.be/files/nl/pdf/avexpat.pdf.
My situation is slightly different, I also have hospitalization insurance with AXA (IPA), I am in Th. but not an expat, registered in Be and additionally pay a “Prestige” travel insurance with Europ Assistance.
You can't expect much for €500/year when you compare this with the premiums used here in Thailand for hospitalization insurance (+/- €300 and more per month) depending on your age.
I deregistered in Belgium in December last year, and now live in Thailand, so I also needed a different insurance policy.
Then took out the expat insurance with AXA via the internet (450 € for a year with a cover of 12500 €)
Ended up in the Bangkok hospital for 6 days in January, my data from AXA was issued there, and after an hour I was told that all costs would be refunded.
When I left the hospital I received the invoice (+/- 50000 baht) and everything was indeed paid, I had to pay 0,0 baht myself.
in my opinion a recommendation.
I have taken out an insurance policy with Axa that is included in my car insurance. That is all inclusive travel assistance all over the world, I think cc100 euros on an annual basis.
You can discuss it at length, but the fact is that if you get medical problems, you are best off in your own country.
If you are older than 65 then it becomes a lot more difficult to insure yourself in Thailand and later they throw you out! There are some options left and right, but the coverage is very limited or you pay a sky-high premium. And if you already have something among the members, you can forget about insurance.
Actually, there are only two options. Remain registered in your home country and travel there once or twice a year. This is how you stay in health insurance. I think you can be abroad for a maximum of eight months on 'holiday'. That is hardly checked. The second option is a very big bag of money as a buffer for your medical problems in Thailand.
Medical care is no longer cheap in Thailand. That is why health insurance institutions are increasingly opting to repatriate the patient if possible. Okay, state hospitals are a lot cheaper, but often the care that is necessary cannot be provided there. For complicated operations or scans you will be referred to private hospitals such as the Bangkok Hospital. The care is perfect, but without insurance, that big bag of money quickly becomes a lot smaller.
If you have been deregistered due to age and are struggling, the best solution is to return to your home country. A lot of hassle, but eventually you will be included in the health insurance again. Then occasionally a holiday to the 'land of smiles'. It's fun too.
Gr Peter.
With that expat insurance, you must therefore ensure that you have some extra baht on your account if the bill exceeds 12.500 euros.
Make no mistake that you may have to undergo surgery a few times a year….
Even then, the expat insurance pays out up to 12.500 euros at a time (calculated with the current exchange rate? 460.000 baht)
Dear Jean
You can insure yourself for 1.000.000 euros with AXA at the price of 500 euros per year, but then you must have additional insurance in Europe, such as I have one with DOSZ - DIBISS, so don't tell anything you are not sure about. know !!!
Greetings Edmond
I am diabetic and didn't get insurance anywhere until a client of mine signed me up with AIA insurance.
So I am now insured there and I have the idea that it is a good company.
Jasmijn writes that you are insured up to 12500 euros at a time. But if you are withdrawn 4 times, you will simply be paid out 4 X. This seems a bit odd to me but I'd like to see it confirmed.
Kind regards Max.
3 years ago I ended up in BKK-PTy hospital with heart problems, after examination it turned out that I had cardiac arrhythmias, I had to pay for all the tests out of my pocket, while my health insurance in Belgium was 100% in order and I also had extra insurance with Allianz Conclusion: I had to undergo a heart ablation and was NO longer allowed to board a plane, costing 600.000 baths.
24 hours later MUTAS guaranteed that they would guarantee up to 1.000.000 baths, and as you would expect, the price had risen from 600.000 to exactly 1.000.000 baths because a special team had to come from BKK.
I contacted a professor in AZ Brugge, had made time available online and I had to forward my medical file, its conclusion, don't worry, you are already taking blood thinners so something could happen very small, look out for a ticket at your leisure. and come to Belgium. No sooner said than done, 1 week later I was with that professor, after research he came to the same conclusion, however, after the ablation the total cost was 6200 euros or about 248.000 bath. Yes, those private hospitals smell it money from the falang. So if you can travel back, you are always better off in terms of costs.
And it is probably not stupid to remain registered in your own country and fly back every year, unless you have very good insurance or a big bag of money