AXA Tropical Disease dengue insurance for families who want a lump sum when admitted to hospital with a mosquito-borne disease, up to THB 30,000
- Updated: 9 November 2026
AXA Tropical Disease dengue insurance for families who want a lump sum when admitted to hospital with a mosquito-borne disease, up to THB 30,000
Underwritten by AXA Insurance Public Company Limited
Premiums from THB 146–452 per year, depending on the type and sum insured chosen (stamp duty and tax included)
Highlight: just 1 night in hospital with a covered disease pays the full sum insured
Every rainy season the dengue news comes back. If your child has to stay in hospital for several days, parents have to take leave and take turns watching over them. Even with health insurance paying for treatment, the costs around it still arise.
How much does dengue insurance with a premium of a few hundred baht pay, and which diseases does it cover?
Who is AXA dengue insurance suited to, and how much does it cost?
Short answer: AXA Tropical Disease dengue insurance (mosquito-borne and tropical disease insurance) from AXA Insurance pays a lump sum of THB 10,000 / 20,000 / 30,000 when a doctor diagnoses a covered disease and you are admitted to hospital in Thailand. You can choose from 2 types: dengue only, or 5 mosquito-borne and tropical diseases. It accepts ages 15 days–70 years, children can apply on their own, and no medical exam is needed. Premiums start at THB 146 per year (data as of 9 Nov 2026) and the actual premium depends on the type and sum insured chosen.
What does AXA dengue insurance cover?
| Type of cover | Diseases covered | Lump sum received |
|---|---|---|
| Type 1 | Dengue fever | THB 10,000 / 20,000 / 30,000 depending on the sum insured chosen |
| Type 2 | Dengue fever, chikungunya, Zika virus disease, malaria, encephalitis | THB 10,000 / 20,000 / 30,000 depending on the sum insured chosen |
Paid when any one of the diseases is confirmed by diagnosis and you are treated as an inpatient at a medical facility in Thailand. The lump sum can be used for any expense and does not depend on the treatment bill.
How much does dengue insurance cost?
Premium per person per year, stamp duty and tax included, per AXA's product document. Data as of 9 November 2026 (the premium table is not split by age band)
| Sum insured | Type 1, dengue only | Type 2, 5 diseases covered |
|---|---|---|
| THB 10,000 | THB 146 | THB 173 |
| THB 20,000 | THB 239 | THB 346 |
| THB 30,000 | THB 320 | THB 452 |
Premiums in the table may differ from the amount actually charged by no more than THB 1. The actual premium depends on type, sum insured and the insurer's underwriting decision.
A worked example to illustrate
A family of 4, Type 2 with a THB 20,000 sum insured: THB 346 each, THB 1,384 per year in total (346 × 4). If 1 child is admitted to hospital with dengue, you receive a lump sum of THB 20,000, about 58 times that person's premium (20,000 ÷ 346)
Comparing Type 1 with Type 2 at a THB 30,000 sum insured: you pay THB 132 more per year (452 – 320) to add 4 more diseases
This is an illustration only. The actual payout depends on the insurer's claims assessment. A simple rule: if you travel to or live in an area with many mosquitoes, choose Type 2, because the difference in premium is small.
Who is AXA dengue insurance suited to?
- Parents who want to insure a young child or school-age child, who can apply on their own without being added to a parent's policy
- Families who already have health insurance paying for treatment and want a lump sum to offset the costs around a hospital stay
- People who live or work in areas with frequent mosquito-borne outbreaks
- Older people up to age 70 who want disease-specific cover for a premium of a few hundred baht
Who should not buy this plan yet?
- People who want the insurance to pay treatment bills. This plan pays a lump sum of THB 10,000–30,000, not the actual treatment cost.
- People who want cover for other infectious diseases, such as influenza, pneumonia or gastrointestinal illness. This plan covers only the named diseases. See AXA Hello Health instead.
- People who are mostly treated as outpatients. You must be admitted as an inpatient to receive the money.
- People who want cover while travelling abroad. It pays only for treatment at medical facilities in Thailand.
- People over 70: new applications are not accepted
What limitations should you check before deciding?
- 30-day waiting period: falling ill with a covered disease in the first 30 days after the policy takes effect is not covered. If you want to buy before the rainy season, buy at least 1 month ahead.
- Pays once per policy year: it compensates for only one disease, once during the period of insurance. If you fall ill again in the same year, you receive nothing more.
- You must be an inpatient. Outpatient treatment or a blood test alone does not meet the conditions.
- You can buy 1 policy per person. You cannot increase the sum insured by buying several policies.
- Claim documents must be submitted within 30 days of the date you leave hospital
If you want cover for infectious diseases across several systems along with online doctor consultations, see AXA Hello Health infectious disease insurance or Telemedicine health insurance
What do I need to tell you to apply for the whole household?
Tell us just 2 things
- Date of birth of everyone to be insured
- The type you are interested in (dengue only, or 5 diseases) and the sum insured you want
Our team will summarise the total premium for the whole household 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
Does a stay of just 1 night pay the full sum insured?
Yes. The product document states that the benefit is paid at the sum insured when you are admitted as an inpatient for just 1 night with a covered disease and a confirmed diagnosis.
If I already have health insurance, can I still claim on this plan?
Yes. This plan pays a lump sum at the sum insured chosen, not on receipts, so you can claim even if another health policy has already paid for treatment.
Can my 3-year-old apply on their own?
Yes. Ages from 15 days are accepted, and children can apply without being added to a parent's policy. When claiming, attach a copy of the birth certificate or house registration showing the child's name, with a copy of the ID card of the father, mother or guardian.
What documents do I need to make a claim?
Claim form, copy of ID card (or passport for foreigners), the first page of a savings passbook, a medical report stating the disease, blood or lab test results, and treatment receipts. Send them to AXA's health claims department and track progress at [email protected]
Do I need a medical check-up before applying?
No medical exam needed
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 document for the Tropical Disease Insurance (mosquito-borne and tropical disease insurance) of AXA Insurance Public Company Limited, in the version effective 1 June 2023, published on the insurer's website and 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.
