AXA Hello Health infectious disease and accident insurance for people who often get colds and stomach upsets and want to consult a doctor online, with premiums from THB 2,072 per year
- Updated: 9 November 2026
AXA Hello Health infectious disease and accident insurance for people who often get colds and stomach upsets and want to consult a doctor online, with premiums from THB 2,072 per year
Underwritten by AXA Insurance Public Company Limited
Premiums from THB 2,072 per year up to THB 16,044 per year, depending on age and plan (stamp duty included)
Highlight: apply without answering health questions, cover for acute infectious diseases and accidents, with the right to consult a doctor online
Colds, diarrhoea and food poisoning are things many people get several times a year. Each visit to a private hospital costs thousands in doctor's fees and medicine, and sometimes the doctor admits you to be put on a drip.
If you want insurance that looks after common infectious diseases and accidents, without paying the premium of a plan with limits in the millions, what is there to choose from, and what are the limitations?
Who is AXA Hello Health infectious disease insurance suited to, and how much does it cost?
Short answer: AXA Hello Health infectious disease and accident insurance from AXA Insurance covers hospital stays for listed acute infectious diseases such as influenza, pneumonia, diarrhoea, food poisoning and dengue, and for accidents, with a limit of THB 1,600–4,800 per day and a total of THB 32,000–320,000 per year depending on the plan. Plans 2–4 add outpatient cover, and every plan includes online doctor consultations. It accepts ages 30 days–70 years with no health questions. Premiums start at THB 2,072 per year (data as of 9 Nov 2026) and the actual premium depends on age and plan.
What does AXA Hello Health cover?
| Coverage | Plan 1 / Plan 2 / Plan 3 / Plan 4 (THB) | Conditions |
|---|---|---|
| Maximum benefit per year | 32,000 / 80,000 / 160,000 / 320,000 | All benefits combined, except benefit 2 |
| Hospital stay for an acute infectious disease, per day | 1,600 / 2,400 / 3,200 / 4,800 | Listed diseases only |
| Hospital stay for an accident, per day | 1,600 / 2,400 / 3,200 / 4,800 | – |
| Outpatient for an acute infectious disease, per visit | Not covered / 400 / 500 / 600 | Once a day, up to 5 visits per year |
| Emergency outpatient for an accident, per visit | Not covered / 800 / 1,000 / 1,200 | Once a day, up to 5 visits per year |
| Online doctor consultations, per year | 3 / 5 / 7 / 9 consultations | Once a day, through a provider appointed by the insurer |
| Medicine from online doctor consultations, per year | Not covered / Not covered / 1,000 / 1,200 | – |
| Death or permanent disability from an accident (Or Bor 2) | 20,000 / 50,000 / 80,000 / 100,000 | – |
Infectious diseases covered
- Acute respiratory: influenza, tonsillitis, laryngitis, bronchitis, hand, foot and mouth disease, pneumonia
- Acute gastrointestinal (including food poisoning): gastroenteritis, diarrhoea, infection of the stomach or intestines
- From insect or animal bites: malaria, dengue fever, yellow fever, chikungunya, Japanese encephalitis, rabies
- Other acute infectious diseases: chickenpox, measles, mumps, rubella, plague, leptospirosis
Online doctor consultations are used through the Doctor Anywhere app by selecting AXA Telehealth, with no need to pay first, and home medicine delivery is available under AXA's conditions.
How much does AXA Hello Health infectious disease insurance cost?
Premium per person per year, stamp duty included, per AXA's product document. Data as of 9 November 2026
| Age band | Plan 1 / Plan 2 | Plan 3 / Plan 4 |
|---|---|---|
| 30 days–40 years | 2,072 / 4,592 | 7,509 / 9,204 |
| 41–50 years | 2,602 / 5,858 | 9,280 / 11,505 |
| 51–60 years | 3,024 / 6,490 | 10,660 / 13,476 |
| 61–69 years | 3,660 / 7,444 | 11,959 / 16,044 |
Family discount (parents, spouse and children): 3–4 people get 5% off, 5–7 people get 10% off, and 8 or more get 15% off. The actual premium depends on age, plan and the insurer's underwriting decision. Pay the amount shown on the premium quotation.
A worked example to illustrate
Age 35, Plan 2: premium THB 4,592 per year. If you are admitted with pneumonia for 3 days, you receive up to 2,400 × 3 = THB 7,200 based on the actual daily treatment cost, and THB 72,800 of that year's limit remains (80,000 – 7,200)
A family of 4, all aged 40 or under, Plan 2: 4,592 × 4 = THB 18,368, less a 5% family discount, leaving about THB 17,450 per year
This is an illustration only. The actual payout depends on the insurer's assessment. A simple rule: if you want OPD for colds or diarrhoea, start at Plan 2, because Plan 1 covers inpatient only.
Who is AXA Hello Health suited to?
- People who often get colds, diarrhoea or food poisoning and want a limit dedicated to this group of illnesses
- Families with school-age children who catch diseases such as hand, foot and mouth, chickenpox or influenza at school and want a family discount
- People who have been turned down for other health insurance, because this plan asks no health questions (though pre-existing conditions are still not covered)
- People who want to consult a doctor online without paying first
Who should not buy this plan yet?
- People who want insurance for treatment of every illness. This plan pays only for the listed infectious diseases and accidents. It does not cover general illnesses such as cancer, heart disease or surgery for other conditions.
- People who need a high limit per hospital admission. The limit is per day, with a yearly total of up to THB 320,000. If you want a limit in the millions, see AXA SmartCare Essential health insurance
- People with a chronic condition who expect this plan to pay for it. Conditions that existed before the insurance began are not covered
- Parents who want to insure just one child: children under 18 must apply together with at least 1 parent
- People over 70: new applications are not accepted
What limitations should you check before deciding?
- The limit is per day, with a yearly ceiling. If treatment costs on any day exceed the daily limit, you pay the excess, and once the yearly limit is used up you receive nothing more that year.
- Outpatient is limited to 5 visits a year, for both infectious diseases and accidents, and Plan 1 has no outpatient cover
- 30-day waiting period: illness in the first 30 days is not covered, except injury from an accident
- Pre-existing conditions are not covered, even though no health questions are asked when you apply
- The no-need-to-pay-first service is stated for inpatients at AXA's network hospitals. For outpatients, keep receipts and documents ready to claim.
- You can buy 1 policy per person, and the insurer reserves the right to underwrite only certain occupations
- Renewable up to age 89, with premiums adjusted by age band, for example Plan 4 costs THB 13,476 at ages 51–60 and THB 16,044 at ages 61–69
If you are worried only about mosquito-borne diseases and want a lump sum, see AXA Tropical Disease dengue insurance, with premiums starting at a few hundred baht
What do I need to tell you to get a premium for the whole household?
Tell us just 2 things
- Date of birth of everyone to be insured
- The plan you are interested in, or whether you want outpatient cover as well
Our team will send back the total premium for the whole household with the family discount within the business day. 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
Is it true that I do not have to answer health questions?
Yes. The product document states that you can apply without answering health questions, but the policy does not cover conditions that existed before the insurance began.
If I see a doctor for an ordinary cold, can I claim?
Plans 2–4 cover outpatient visits for listed acute infectious diseases at THB 400–600 per visit, up to 5 visits a year. The named diseases in the respiratory group include influenza, tonsillitis and bronchitis. Symptoms not on the list depend on the doctor's diagnosis and the insurer's assessment.
How do I use the online doctor consultations?
Download the Doctor Anywhere app and register, then go to Profile > My details > Insurance, select AXA Telehealth, and enter your ID card number and date of birth.
Can I insure my 2-month-old?
Yes. Ages from 30 days are accepted, but children under 18 must apply together with at least 1 parent.
Is the premium tax deductible?
Yes, under the conditions set by the Revenue Department.
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 and premium information on this page is based on the Hello Health health insurance product document of AXA Insurance Public Company Limited, in the version effective 1 June 2022, published on the insurer's website and matching 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. 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.
