AXA EasyCare Visa health insurance for foreigners applying for O-A, O-X and LTR visas, with applications accepted up to age 80
- Updated: 9 November 2026
AXA EasyCare Visa health insurance for foreigners applying for O-A, O-X and LTR visas, with applications accepted up to age 80
Underwritten by AXA Insurance Public Company Limited
Premiums from THB 1,230 per year up to tens of thousands, depending on age, plan and the excess chosen (stamp duty included)
Highlight: an insurance certificate for your visa application is issued with the policy, applications up to age 80, no medical exam
Your retirement visa renewal is coming up, but your existing health insurance goes up every year, or your current insurer will not renew because you are too old. You need new insurance that Immigration will accept before you submit your documents.
Which visa health insurance can issue the certificate, is the limit enough for the requirements, and how can you bring the premium down?
Who is AXA EasyCare Visa visa health insurance suited to, and how much does it cost?
Short answer: AXA EasyCare Visa health insurance from AXA Insurance is designed for foreigners applying for Long Stay visas of type O-A, O-X and the LTR visa. It accepts ages 15 days–80 years with no medical exam, covers inpatient treatment of THB 2,000,000 or 4,000,000 per hospital admission, with OPD of THB 1,500 per visit, and issues a certificate for your visa application. Every plan has an excess of THB 100,000 / 200,000 / 300,000. Premiums start at THB 1,230 per year (data as of 9 Nov 2026) and the actual premium depends on age, plan and the excess chosen.
What does AXA EasyCare Visa cover?
| Coverage | Plan 1 / Plan 2 (THB) | Conditions |
|---|---|---|
| Maximum benefit per hospital admission | 2,000,000 / 4,000,000 | Readmission for the same illness within 90 days counts as one admission |
| Excess (compulsory choice) | 100,000 / 200,000 / 300,000 | Per hospital admission |
| Standard room, per day | 2,500 / 4,000 | The lowest-priced available standard single room |
| Intensive care (ICU) room, per day | 5,000 / 8,000 | – |
| General medical expenses (medicines, tests, nursing, medical supplies) | 30,000 / 150,000 | Per admission |
| Doctor's visit fees, per day | 1,000 / 1,500 | Once a day |
| Surgery, procedures, surgeon's fees and anaesthetist's fees | Actual cost | Excludes organ transplant surgery |
| Major day surgery / minor surgery | Actual cost | – |
| Diagnostic tests before and after a hospital stay | Actual cost | Within 30 days |
| Cancer treatment, inpatient and outpatient | 100,000 | – |
| Emergency ambulance | 1,000 / 1,500 | – |
| Private nursing per day | 1,000 / 1,500 | Up to 30 days per year |
| Outpatient (OPD) | 1,500 per visit | Once a day, up to 30 visits per year, not exceeding THB 45,000 per year |
| Death or permanent disability from an accident (Or Bor 2) | 25,000 / 50,000 | – |
| Rehabilitation medicine / organ transplant surgery | Not covered | Both plans |
Cover applies in Thailand only. AXA's network hospitals accept the card without you paying first, for both IPD and OPD.
How much cover does each type of visa require?
The criteria AXA refers to come from announcements by the relevant authorities
| Visa type | Health insurance requirement | Compared with EasyCare Visa |
|---|---|---|
| O-A (1-year retirement) | Outpatient and inpatient of not less than THB 3,000,000 or USD 100,000 | Plan 2 has a limit of THB 4,000,000, while Plan 1 has a limit of THB 2,000,000, which is below this figure |
| O-X (10-year retirement) | Outpatient of not less than THB 40,000 and inpatient of not less than THB 400,000 | OPD up to THB 45,000 per year; inpatient THB 2–4 million |
| LTR (10 years) | Medical cover in Thailand of not less than USD 50,000, with not less than 10 months of cover remaining on the date of application | Inpatient THB 2–4 million |
A simple rule: if you are applying for an O-A, tell our team from the start so we can choose a plan whose certificate states a limit that meets the requirement. After buying, allow 24 working hours for the Thai General Insurance Association's Long Stay system to update before you go to Immigration.
Roughly how much is AXA visa health insurance?
Premium per person per year, IPD and OPD combined, stamp duty included, calculated from the premium table in AXA's premium calculator. Data as of 9 November 2026 (stamp duty rounded up at the 0.4% rate)
| Age band (years) | THB 100,000 excess, Plan 1 / Plan 2 | THB 300,000 excess, Plan 1 / Plan 2 |
|---|---|---|
| 0–5 | 9,000 / 12,055 | 3,605 / 4,825 |
| 11–15 | 3,070 / 4,640 | 1,230 / 1,855 |
| 26–30 | 4,185 / 4,945 | 1,675 / 1,980 |
| 36–40 | 4,840 / 6,180 | 1,940 / 2,475 |
| 46–50 | 8,125 / 10,885 | 4,645 / 6,220 |
| 51–55 | 9,475 / 12,430 | 5,415 / 7,110 |
| 56–60 | 11,280 / 14,620 | 6,455 / 8,355 |
| 61–65 | 27,235 / 34,570 | 19,085 / 23,850 |
| 66–70 | 36,540 / 43,045 | 22,875 / 26,630 |
| 71–75 | 43,240 / 56,045 | 26,940 / 34,675 |
| 76–80 | 55,500 / 71,940 | 34,575 / 44,505 |
With a THB 200,000 excess, the premium falls between these two, for example at ages 66–70 Plan 2 costs THB 35,825. Family discount when applying together with the main insured: 5% off for 2–3 people and 10% off for 4 or more. The actual premium depends on age, plan, excess and the insurer's underwriting decision. Pay the amount shown on the premium quotation.
A worked example to illustrate
Age 68, applying for an O-A visa, Plan 2: with a THB 100,000 excess the premium is THB 43,045 per year; with a THB 300,000 excess it drops to THB 26,630 per year, saving THB 16,415 per year
If you are admitted to hospital and the eligible treatment cost is THB 450,000: with the THB 100,000 excess the insured pays THB 100,000 and AXA considers paying THB 350,000, but with the THB 300,000 excess the insured pays THB 300,000 and AXA considers paying THB 150,000. Both options remain subject to the sub-limits for room and general treatment.
A married couple aged 66–70, Plan 2, THB 200,000 excess: 35,825 × 2 = THB 71,650, less a 5% family discount, leaving about THB 68,068 per year
This is an illustration only. The actual payout depends on the insurer's assessment. A simple rule: choose an excess equal to the reserve you could really pay if you had to be admitted to hospital, not just the lowest premium.
Who is AXA EasyCare Visa suited to?
- Foreigners aged 50 and over who are applying for or extending an O-A or O-X visa and need an insurance certificate for their documents
- Holders or applicants of the LTR visa who need medical insurance in Thailand
- People aged 70–80 who do not want a medical exam before applying
- People who have reserves to pay the excess and want to keep the annual premium low
Who should not buy this plan yet?
- People with pre-existing or chronic conditions still under treatment. This plan does not pay for chronic diseases, conditions that existed before taking out the policy, and complications that have not yet been cured.
- People with no reserve to pay the excess. Every plan has an excess of at least THB 100,000 per hospital admission.
- People who need a high limit for cancer treatment. Cancer treatment, inpatient and outpatient combined, is covered up to THB 100,000
- People who need cover outside Thailand. This plan covers Thailand only.
- People over 80: new applications are not accepted, but existing policyholders can renew up to age 99
What limitations should you check before deciding?
- The excess is compulsory. It applies to each hospital admission. Treatment costs that do not reach the excess are paid entirely by the insured.
- The sub-limits matter a lot. General treatment is capped at THB 30,000 per admission on Plan 1 and THB 150,000 on Plan 2. Anything above that you pay yourself, even if the maximum limit has not run out.
- 30-day waiting period: illness in the first 30 days is not covered, except injury from an accident
- 120-day waiting period for tumours, cysts, cancers of any kind, haemorrhoids, hernias of any kind, pterygium or cataracts, removal of the tonsils or adenoids, stones of any kind, varicose veins in the legs, and endometriosis.
- The premium jumps after age 60, for example Plan 1 with a THB 100,000 excess costs THB 11,280 at ages 56–60 and THB 27,235 at ages 61–65
- Losses connected with sanctioned countries are not covered, as designated by the United Nations, the European Union, the United Kingdom or the United States, and the insurer reserves the right to underwrite only certain occupations
- Family members you can add are a legal spouse and unmarried, non-working children aged 15 days–18 years, or up to 23 if in full-time education. Children under 18 must apply together with a guardian.
Read more about the visa requirements at How much cover does O-A visa health insurance need, and how do new applications differ from renewals? or, for foreigners aged 64 or under who are not using insurance for a visa, compare with AXA SmartCare Essential health insurance
What do I need to tell you to get a premium and a certificate in time for my visa application?
Tell us just 3 things
- Date of birth of everyone to be insured
- The type of visa you will apply for (O-A, O-X or LTR) and the date you need the certificate
- The excess you are comfortable paying (THB 100,000 / 200,000 / 300,000)
Our team will send back a quotation comparing Plan 1 and Plan 2 within the business day, and tell you which plan can be used for that type of visa. We tell you straight which plan is good value and explain any differences in conditions before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
When do I get the certificate for my visa application after buying?
After buying online you receive a confirmation email with the policy set: the policy schedule, certificate, E-card and policy conditions. But allow 24 working hours for the Thai General Insurance Association's Long Stay system to update before you go to Immigration.
At age 75, do I need a medical exam?
No. This plan requires no medical exam at any age.
Can I choose my own hospital?
Yes. You can use any licensed medical facility in Thailand. At AXA's network hospitals you do not pay first. Outside the network, pay first and then submit documents to claim.
Which currency are premiums and claims paid in?
All in Thai baht. If expenses are in another currency, the insurer converts at the exchange rate announced by the Bank of Thailand on the date shown on the receipt.
How many days do I have to submit claim documents?
Send the claim form, medical report and original receipts within 30 days of leaving hospital or of the clinic treatment date. If you are claiming the excess over another insurance, a copy of the receipt certifying the amount already paid can be used.
Who approves underwriting and claims?
Underwriting and claim payments are decided by AXA Insurance. As your broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The cover information is based on the product document (effective 2 May 2024), the FAQ and the AXA EasyCare Visa product page on the website of AXA Insurance Public Company Limited, and the premiums are calculated from the premium table in the insurer's premium calculator, checked on 9 November 2026. It is general information and not part of the insurance contract. Visa requirements may change by government announcement. Premiums and conditions may change as the insurer announces. Underwriting and claims payment are decisions of the insurer. Prakanthai.com is a non-life insurance broker, not an insurer. Licence no. 5104000004. Read the policy and quotation in full before deciding.
