AXA SmartCare Value budget health insurance for working people treated at ordinary private hospitals, with a limit of up to THB 4 million per year
- Updated: 9 November 2026
AXA SmartCare Value budget health insurance for working people treated at ordinary private hospitals, with a limit of up to THB 4 million per year
Underwritten by AXA Insurance Public Company Limited
Premiums from THB 6,700 per year (with a THB 20,000 excess) or from THB 12,181 per year with no excess (stamp duty included)
Highlight: most inpatient treatment is paid at actual cost, within limits of THB 500,000–800,000 per admission and THB 2.5–4 million per year
You want health insurance for a stay in a private hospital, but when you see the premiums for plans with limits in the millions per illness, you have to think twice, because you have never been seriously ill and the hospital you normally use is not a premium chain.
If you accept a lower limit per admission and not using certain hospitals, how much lower can the premium go, and what do you give up?
Who is AXA SmartCare Value budget health insurance for, and how much does it cost?
Short answer: AXA SmartCare Value health insurance from AXA Insurance is a budget health plan for people aged 13–60 who are treated at ordinary private hospitals. It covers most inpatient treatment at actual cost, with limits of THB 500,000 or 800,000 per admission and up to THB 2.5 or 4 million per year. Premiums start at THB 6,700 per year (data as of 9 Nov 2026), but ordinary treatment is not covered at the 15 hospitals on the exclusion list. The actual premium depends on age, plan and the excess you choose.
What does AXA SmartCare Value cover?
| Coverage | Plan 1 / Plan 2 (THB) | Conditions |
|---|---|---|
| Maximum limit per year | 2,500,000 / 4,000,000 | Counted across every admission in the policy year |
| Maximum limit per admission | 500,000 / 800,000 | Readmission for the same illness within 90 days counts as one admission |
| Standard room, per day | 2,500 / 3,000 | The lowest-priced available standard single room |
| Intensive care (ICU) room, per day | 5,000 / 6,000 | – |
| Medicines, tests, nursing, medical supplies | Actual cost | Includes take-home medication of up to 30 days |
| Doctor's visit fees, per day | 1,500 / 2,000 | – |
| Surgery, procedures, surgeon's fees and anaesthetist's fees | Actual cost | – |
| Major surgery without a hospital stay (Day Surgery) / minor surgery | Actual cost | – |
| Diagnosis and follow-up treatment before and after a hospital stay | Actual cost | Within 30 days |
| Outpatient treatment after an accident | 10,000 / 15,000 | Within 24 hours, including 1 follow-up within 30 days |
| Radiotherapy, chemotherapy and cancer treatment | Actual cost | Within the annual limit |
| Haemodialysis (blood dialysis) | Not covered / 40,000 per year | – |
| Emergency ambulance | Actual cost | When it results in a hospital stay |
| Private-duty nurse | 1,000 per day | Up to 30 days |
| Daily cash benefit (chosen instead of claiming treatment costs) | 500 / 800 per day | Up to 31 days per year |
| Funeral expenses | 10,000 | Death from illness or injury |
| Death or permanent disability from an accident (Or Bor 2) | 10,000 | – |
| Rehabilitation medicine / organ transplant surgery | Not covered | Both plans |
“Actual cost” means the medically necessary expenses actually incurred, but the total cannot exceed the plan's limit per admission and per year. This plan has no outpatient (OPD) or wellness cover available to add.
Which hospitals does this plan not cover?
This plan covers ordinary treatment at every medical facility in Thailand except these 15
- Bangkok: Bumrungrad, Samitivej Srinakarin, Samitivej Sukhumvit, Bangkok Hospital, BNH, MedPark, Praram 9, Siriraj Piyamaharajkarun, Bangkok Christian
- Other provinces: Bangkok Hospital Pattaya, Bangkok Hospital Hua Hin, Bangkok Hospital Phuket, Bangkok Hospital Siriroj, Bangkok Hospital Samui, Phangan International
At these hospitals, only critical emergency patients (life-threatening conditions) and urgent emergency patients (severe acute conditions that could lead to disability or death if not treated immediately) are covered, and you must pay first and claim back only.
A simple rule: first check that the hospital near your home or workplace is not on this list
How much does AXA SmartCare Value health insurance cost?
Premium per person per year, stamp duty included. Rates effective 16 April 2026. Data as of 9 November 2026
| Age band (years) | No excess, Plan 1 / Plan 2 | THB 20,000 excess, Plan 1 / Plan 2 |
|---|---|---|
| 13–15 | 12,181 / 14,211 | 6,700 / 7,817 |
| 16–20 | 12,434 / 14,506 | 6,839 / 7,978 |
| 21–25 | 12,771 / 14,900 | 7,024 / 8,195 |
| 26–30 | 13,012 / 15,181 | 7,157 / 8,350 |
| 31–35 | 13,494 / 15,884 | 7,422 / 8,736 |
| 36–40 | 14,749 / 19,338 | 8,113 / 10,636 |
| 41–45 | 15,286 / 22,390 | 10,701 / 15,673 |
| 46–50 | 16,386 / 25,602 | 11,470 / 17,922 |
| 51–55 | 19,458 / 28,675 | 13,621 / 20,072 |
| 56–60 | 22,530 / 32,771 | 15,771 / 22,940 |
Other discounts: 5% off when 2–3 people apply together, 10% off for 4 or more (not applicable to a child's separately purchased policy), and a 5% no-claim discount at renewal for claim-free years. 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 28, Plan 1: no excess THB 13,012 per year; with a THB 20,000 excess it drops to THB 7,157 per year, saving THB 5,855 per year
If you are admitted to hospital and the eligible treatment cost is THB 100,000, the insured pays the first THB 20,000 and AXA considers paying THB 80,000, within the plan's sub-limits.
A married couple, both aged 33, Plan 1 with no excess: 13,494 × 2 = THB 26,988, less a 5% family discount, leaving about THB 25,639 per year
This is an illustration only. The actual payout depends on the insurer's assessment. A simple rule: choose the THB 20,000 excess when you have benefits or savings that can cover it every time you are admitted.
How does it differ from AXA SmartCare Essential?
Both plans are from AXA Insurance and use the same policy base, but Value trades limits and the hospital list for a lower premium.
| Comparison of starting plans, ages 26–30 | SmartCare Value Plan 1 | SmartCare Essential Plan 1 |
|---|---|---|
| Annual premium, no excess | THB 13,012 | THB 17,400 |
| Limit | THB 500,000 per admission, THB 2.5 million per year | THB 1 million per admission |
| Room rate per day | THB 2,500 | THB 3,000 |
| Hospitals | 15 excluded | No exclusion list |
| Age at application | 13–60 years | 15 days–64 years |
| OPD / wellness | Cannot be added | Can be added |
The difference is THB 4,388 per year (17,400 – 13,012) at the same age and with no excess. See the other plan at AXA SmartCare Essential health insurance
Who is AXA SmartCare Value suited to?
- Working people who do not yet have health insurance and want inpatient cover at private hospitals for a premium in the low thousands to low tens of thousands
- People who have company benefits or group insurance and want a top-up plan with a THB 20,000 excess, with premiums from THB 6,700 per year
- Parents who want to insure a child aged 13–20 can do so on a separate policy, without having to take one out together with a parent
- People who are regularly treated at a private hospital that is not among the 15 excluded
Who should not buy this plan yet?
- People who regularly use a hospital on the exclusion list, such as Bumrungrad, Samitivej or the Bangkok Hospital branches. Ordinary treatment there is not covered.
- People with pre-existing conditions or past treatment. Conditions that existed before taking out the policy are not covered, and the application states that health statements beyond the “Yes/No” answers do not form part of the application. Every claim may be reviewed retrospectively.
- People who want OPD to claim for general doctor visits. This plan does not offer it as an add-on.
- People who want a high limit per admission, for example if you worry that heart surgery or cancer treatment could exceed THB 500,000–800,000 on a single bill
- Children under 13 or adults over 60: this plan does not accept new applications
What limitations should you check before deciding?
- There are 2 layers of limits: THB 500,000/800,000 per admission and THB 2.5/4 million per year. A single treatment above the per-admission limit must be paid by you, even if the annual limit has not run out.
- 30-day waiting period: illness in the first 30 days after the policy first takes effect 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 funeral expense benefit has a 180-day waiting period for death from illness
- The THB 20,000 excess applies per admission. It applies to benefits 1–13 except outpatient treatment after an accident (benefit 7). The premium discount for choosing an excess falls with age: ages 13–40 get 45% off, ages 41–60 get 30% off, and ages 61 and over (renewal only) get 10% off
- Room, doctor and dialysis costs have sub-limits. If you choose a room dearer than the limit you pay the difference, and Plan 1 does not cover dialysis
- Key exclusions include pregnancy and childbirth, congenital abnormalities (unless the policy has been in force for a full year and symptoms began after age 16), psychiatric conditions, dental and eye care, and alternative medicine
- Some cases require you to pay first. AXA's network hospitals (except the 15 excluded) accept the card, but if the insurer needs to check your history further, it may ask you to pay first and claim back later.
- Premiums step up by age band. For example, Plan 2 with no excess costs THB 19,338 at ages 36–40 and THB 32,771 by ages 56–60, and the insurer reserves the right to underwrite only certain occupations
If you want another insurer's inpatient plan to compare, see Bangkok Insurance inpatient health insurance, or if you worry the per-admission limit would not be enough for cancer, see lump-sum cancer insurance
What do you need to tell us to find out your own premium?
Tell us just 3 things
- Date of birth of everyone to be insured
- The hospital you normally use
- Pre-existing conditions or treatment history, and how many health or accident policies you already have
Our team will send back a quotation comparing Plan 1 and Plan 2, with and without an excess, within the business day, and tell you plainly whether the hospital you use is on the exclusion list. 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
Do I need a medical check-up before applying?
No medical exam is needed. You answer 3 questions on the application: whether you hold 4 or more health or personal accident policies with other insurers in total, whether you have ever been refused or had insurance cancelled, and whether you have or have had any of the listed conditions. Answer truthfully; if you conceal something, the contract may be voidable.
Can I buy it for my 15-year-old without a parent taking one out too?
Yes. A child aged 13–20 can be insured separately, with a parent or legal guardian as the policyholder, who must be aged 20 or over. A child's policy bought on its own does not get the family discount.
Can I renew after age 60?
Yes. You can apply as a new customer up to age 60, but renew up to age 99. In renewal years the premium is adjusted by age.
When do I get the daily cash benefit?
When you are admitted to hospital and government welfare, other benefits or other insurance pay for the treatment, and you do not claim the treatment cost from AXA, you receive THB 500 or 800 per day depending on the plan, up to 31 days per year.
How many days do I have to submit claim documents, and when do I get paid?
Send the claim form, medical report and original receipts within 30 days of leaving hospital. The insurer pays within 15 days of receiving the complete documents; if there is a reason to investigate, this can be extended by up to 90 days.
If I change my mind after buying, can I cancel?
Yes, within 15 days of receiving the policy. The insurer refunds the premium after deducting expenses of no more than THB 500 per policy, if you have not made a claim. After that you can still cancel, but the refund follows the short-period premium table.
If you claim a lot, will you have to co-pay next year?
Under the policy, adding a co-payment condition at renewal is possible only if an endorsement stating it was attached from the first day of the contract, and the list of endorsements for the SmartCare Value plan does not include a co-payment endorsement.
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 product presentation, the premium table, the application form and the AXA SmartCare Essential (SmartCare Value plan) health and personal accident policy of AXA Insurance Public Company Limited, in the version effective 16 April 2026, 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.
