AXA 
Sawasdee 
insurance foe COE 
helps 1,000+ people to 
approved by authority in 
Thaland

AXA Sawasdee Thailand Travel Insurance

 HIGHLIGHT

AXA Sawasdee Thailand Travel Insurance

  • Meet 100,000USD health insurance requirement of application for Certificate of Entry (COE), Phuket Sandbox, and Samui Plus
  • Cover 3.5 million THB of medical expense including COVID-19 and 1 million THB of Personal Accident, choice of period up to 365 days
  • Coverage starts immediately after clearing immigration in Thailand and include the period of 14-day Alternative State Quarantine (ASQ), Alternative Local State Quarantine (ALSQ) and Sandbox Stay
  • No waiting period , no deductible, no advance payment for hospitalization
  • Provide insurance certificate including COVID-19 coverage statement
  • Large hospital network throughout Thailand and 24-hour hotline service.
AXA Sawasdee Thailand - WanderThai AXA Sawasdee Thailand - WanderThai2

AXA’s Sawasdee Thailand provides foreigners traveling to Thailand with health and personal accident insurance coverages including Covid-19 that meet official requirements for Certificate of Entry (COE) and Phuket Sandbox or Samui+ program. AXA has large hospital network throughout Thailand with direct billing option for hospitalization and 24-hour hotline service. Policy is effective with no waiting period, including ASQ, LSQ or Sandbox duration. Length of insurance can be chosen up to 365 days.

Thai applicants, AXA now accept Thai customers to purchase this insurance policy when they participate in government Sandbox program (Phuket / Samui Plus). Thai customers are required to get insurance for their COE to Phuket Sandbox and Samui plus programs only.

Trusted and recommended as insurance of choice by thousands of visitors from more than 135 countries around the world (updated August 2021). Now, you can enter Thailand with full confidence, choose AXA insurance.

 Available Now Online! Get Policy and Certificate Instantly Click Here! ☚

IMPORTANT, please ensure to check with your embassy or consulate about the length of insurance policy that is required for your COE or visa application.

> Locate Thai embassy and consulate near you, click here.

> Learn more about how to apply for COE, click here.

Premium including Stamp Duty: Starts 350 THB

o All nationals excluding those of sanctioned countries and those relate to our AML/sanction regulations and requirements

o Age: 1- 74 year upon the policy start date

o Customers who are not physically in Thailand on start date

o Does not cover any claim arise from travel to, travel through or travel in Pattani, Yala and Narathiwat

o AXA Sawasdee Thailand is a single trip policy insurance. AXA Thailand does not offer an annual “multiple-trip” policy at this time.

Remark

– Sawasdee Thailand is the marketing name for Inbound Travel Accident Insurance.

– Low Risk Zone: Albania, American Samoa, Angola, Anguilla, Antigua&Barbuda, Australia, Barbados, Belize, Benin, Bermuda, Bhutan, British Virgin Islands, Brunei, Burkina Faso, Burundi, Cambodia, Cameroon, Cayman Islands, Chad, China, Cote D’Ivoire, Curaçao, Djibouti, El Salvador, Equatorial Guinea, Falkland Islands, Faroe Islands, Finland, French Polynesia, Gabon, Gambia, Ghana, Greenland, Grenada, Guam, Hong Kong, Iceland, Isle Of Man, Israel, Kenya, Korea South, Laos, Liberia, Liechtenstein, Macau, Malawi, Malta, Marshall Islands, Mauritania, Mauritius, Micronesia, Moldova, Montserrat, Morocco, Mozambique, New Caledonia, New Zealand, Niger, Nigeria, Northern Mariana Islands, Palau, Republic Of The Congo, Rwanda, Saint Barthelemy, Saint Kitts&Nevis, Saint Pierre And Miquelon, Senegal, Sierra Leone, Singapore, Swaziland (Eswatini), Taiwan, Togo, Turks & Caicos Island, Uganda, Vietnam, Zambia, Zimbabwe

– High Risk Zone: Argentina, Bangladesh, Brazil, Chile, Colombia, India, Iraq, Malaysia, Myanmar, Pakistan

– Medium Risk Zone: All other countries except in low risk zone, high risk zone and sanctioned countries.

– Full premium refund if the Royal Thai Embassy/Royal Thai Consulates does not accept AXA Sawasdee Thailand insurance. Customer must provide to AXA a proof of the Embassy’s requirements which indicates that AXA Sawasdee Thailand is not acceptable.

– Cancellation request must be made to AXA before the start date of the policy.

– Processing time for post-purchase policy changes is 2-3 business days. For urgent use, please inform us in advance.

If you apply for Thailand’s Long Stay Visa scheme “O-A” & Non – Immigrant Visa “O-X” or look for “annual” health insurance plan, please follow This Instruction. ! ☚

If you do not have a valid visa to enter Thailand, you may be required to obtain an additional health insurance. AXA pleased to offer ten percent discount to Long Stay Health Insurance when you purchase Sawasdee Thailand. 

AXA-Sawasdee-Thailand-FAQ

AXA Sawasdee Thailand Insurance

(FAQ) Frequently Asked Questions

What are the insurance requirements for COE and STV?

  • This is a continuously developing topic, please ensure to check with your embassy or consulate about the length of insurance policy that is required for your COE or visa application.
  •  As of 14.10.2020, there are two separate insurance requirements.
  • For Certificate of Entry, COE: Health insurance policy which covers COVID-19 related medical treatment with a coverage of no less than USD 100,000 or equivalent.
  • For Special Tourist Visa, STV: Health insurance policy which covers the period that the applicant intends to stay in Thailand with a coverage of no less than THB 40,000 for outpatient treatment and THB 400,000 for in-patient treatment or equivalent.

What AXA insurance product that fits COE requirements?

  • AXA Sawasdee Thailand insurance can fit this requirement.

What AXA insurance product that fits STV or O-A or O-X requirements?

What AXA insurance product that fits for both STV and COE?

What is the period of insurance that I should buy?

  • The period of insurance required depends on the intended duration of stay in Thailand and the type of visa being applied for and the Embassy of each country. Please, confirm with your local Thai Consulate/Embassy the specific case.

 I have to leave Thailand earlier than my plan. Can I get a refund for the period that I will not be in Thailand?

  • No, you can’t. There will be no premium refund for policy cancellation after policy effective date or customer already enter Thailand.

 Is my 365 days policy an annual policy? Will I be covered every time I enter and leave Thailand? Can I cancel my policy after I arrive in Thailand and get a refund?

  • No, all plans of Sawasdee Thailand is single trip policy. The policy shall be ceased once you leave Thailand. There will be no premium refund for policy cancellation after policy effective date or customer already enter Thailand.

Is medical expense for COVID-19 treatment in “Field Hospital” and “Hospitel” covered?

  • Yes. Medical expenses incurred in facilities designated as “Field Hospital” and “Hospitel” by the Ministry of Public Health for treating COVID-19 patient is covered.

Does AXA offer cashless facilities at hospitals? Do I have to pay upfront at the hospital?

  • For outpatient (OPD): No, AXA doesn’t offer cashless for OPD treatment. You must make payment first and reimburse with AXA later.
  • For Inpatient (IPD): Yes, we do offer cashless if you’re admitted as an inpatient in AXA hospital network.

Do I have to present insurance card to the hospital (the plastic credit card sized card)?

  • No, you can present policy schedule to the hospital and ask hospital to contact AXA.
  • During office hours: Mon – Fri 08.30-17.00 Tel. 0-2118-8307-8, 0-2118-8111 E-mail : paclaims@axa.co.th , Travelclaimsonline@axa.co.th

    Out of office hours: Tel. 0-2206-5467 E-mail: precer.th@ip-assistance.com, faxclaim.th@ip-assistance.com, paclaims@axa.co.th, Travelclaimsonline@axa.co.th

If I’m tested positive for COVID-19 but I don’t have any symptom. Will AXA pay for the medical expense?

  • Yes, AXA will cover for the medical expense incurred based on medical necessity if you’re tested positive for COVID-19 regardless of the showing of symptoms.
  • Q: What does Medical Necessity mean?

    A: It means medical treatment which meets the following conditions:

    (1) in accordance with the diagnosis and treatment for such illness or injury of the patient;

    (2) in accordance with medical indication of current medical standard;

    (3) not primarily for the convenience of the patient or his/her family or treatment provider solely; and

    (4) in accordance with the suitable standard of patient care based on the necessity of injury or sickness of patient

    In the determination of Medical Necessity, AXA also follows the guideline published by the Ministry of Public Health.

    The display of symptoms is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if there is no symptoms. Similarly, a COVID19 test result is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if the first COVID19 test result is later determined as a false positive.

Does the Sawasdee Thailand policy cover for cost of COVID-19 test?

  • AXA will cover the cost COVID-19 test regardless of the test results if the test was carried out due to Medical Necessity and follow the guideline published by the Ministry of Public Health.

    Q: What does Medical Necessity mean?

    A: It means medical treatment which meets the following conditions:

    (1) in accordance with the diagnosis and treatment for such illness or injury of the patient;

    (2) in accordance with medical indication of current medical standard;

    (3) not primarily for the convenience of the patient or his/her family or treatment provider solely; and

    (4) in accordance with the suitable standard of patient care based on the necessity of injury or sickness of patient

    In the determination of Medical Necessity, AXA also follows the guideline published by the Ministry of Public Health.

    The display of symptoms is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if there is no symptoms. Similarly, a COVID19 test result is not the only indicator used by AXA in the determination of Medical Necessity. If the medical expense incurred is medically necessary, then AXA will cover even if the first COVID19 test result is later determined as a false positive.

    Mandatory COVID-19 test during quarantine?: AXA will not pay for the two-times mandatory COVID-19 test during the period of quarantine, regardless of the test results. Usually, these two times mandatory COVID-19 test cost is included in the ASQ/ALSQ package.

    No medical necessity?: No, AXA will not pay for the cost of testing if there was no medical necessity to carry out the COVID-19 test.

 If I have to admit in the hospital, who should I or the hospital contact?

What is AXA’s Sawasdee Thailand?

  • Insurance Policy for foreigners traveling to Thailand with health and personal accident insurance coverages including Covid-19 that meet requirements for Certificate of Entry (COE).

When will I get the coverage? How long will I be covered?

  • Sawasdee Thailand has no waiting period so you will get the coverage immediately once the immigration process is completed including the time that you’re in quarantine. The coverage shall continue until the end of insurance period or the customer leave Thailand whichever happens earlier. The arrival and departure from Thailand are marked when the Insured completes all immigration processes.

    In case of accident or sickness during policy period which requires you to receive continue treatment in hospital, AXA will cover until   

    For inpatient: You are discharged from hospital

    For outpatient: Policy expiry date

Does Sawasdee Thailand cover for COVID-19 only?

  • No, Sawasdee Thailand also provide the coverage for medical expense from accident, sickness including COVID-19 which is not pre-exiting condition. The company will cover for the cost of treatment incurred based on medical necessity.

I am in Thailand. Can I buy Sawasdee Thailand?

  • No. If you are already in Thailand, you are not entitled to buy Sawasdee Thailand.
  • You can only buy Sawasdee Thailand if you are physically outside of Thailand at the time of policy purchase.

My visa is rejected by embassy. Can I cancel my policy and get a refund?

  • You can cancel the policy and get the full refund if the Royal Thai Embassy/Royal Thai Consulates does not accept AXA Sawasdee Thailand insurance. Customer must provide to AXA a proof of the Embassy’s requirements which indicates that AXA Sawasdee Thailand is not acceptable.

Is the coverage 3.5M for medical expense for the whole insurance period?

  • Yes, AXA will cover medical expenses up to 3.5M for the whole insurance period. In case of accident or sickness during policy period which requires you to receive continue treatment in hospital, AXA will cover until   

    For inpatient : You are discharged from hospital

    For outpatient : Policy expiry date

What should I do when I have to admit to the hospital or make a claim?

  • In case of hospitalization in AXA Network Hospital: Please, kindly ask the hospital to contact AXA as below

    ·     During office hours : Mon – Fri 08.30-17.00 Tel. 0-2118-8307-8, 0-2118-8111 E-mail : paclaims@axa.co.th , Travelclaimsonline@axa.co.th

    ·     Out of office hours : Tel. 0-2206-5467 E-mail : precer.th@ip-assistance.comfaxclaim.th@ip-assistance.compaclaims@axa.co.thTravelclaimsonline@axa.co.th

    In case of reimbursement: Please, send the claiming documents to AXA for reimbursement. AXA will pay compensation within 15 days from the date received complete and correct documents. 

    Address: AXA Insurance PCL (PA Claims : Sawasdee Thailand) 1168/67 Lumpini Tower 23 Fl., Rama 4 Rd., Thung Mahamek, Sathorn, Bangkok 10120

    The required claims documents

    1.      A complete claim form

    2.       Original medical report stating the symptoms, diagnosis and the treatment

    3.      Original receipt showing the itemized medical expenses

    4.      A copy of the passport

    5.      Travel Document i.e. flight ticket/ flight itinerary/ boarding pass

Can I change my policy start date?

  • Before original policy start date (you are still abroad): Yes, you can change the start date to an earlier or a later date. You must make the request to AXA before the original policy start (in case of postponing start date) or before the new policy start date (in case of advancing the start date). Please allow 1-3 working days to receive the revised policy documents
  • On or after the original policy start date: No. You cannot change your policy start date

Can I change the duration of my policy?

  • Shorten duration: No, your policy cannot be shortened.
  • Extend duration: You can request for policy extension if your existing policy cover less than 270 days. The total policy duration after extension is limited to maximum 270 days. You must make the request to AXA on or before the original policy expiry date and make additional premium payment. Please allow 1-3 working days to receive the revised policy documents.

Can I purchase more than 1 policy?

  • No. You can purchase only 1 policy

What is travel delay coverage? When and how I will be covered?

  • Travel delay coverage will cover in the event that the aircraft, cruise or train is delayed due to adverse weather, defect or malfunction of engine and strike or work stoppage of the employees of carriers.

    You will be covered for domestic flight you take while in Thailand  and the outbound flight which you take to leave Thailand for other country. You will be compensated 1,000 THB for every 6 hours of delay. The total compensation shall not exceed 20,000 THB for the whole coverage period. 

What is travel baggage coverage? When and how I will be covered?

  • Baggage delay coverage will cover in the event that the baggage has not arrived at the time you arrive Thailand for at least 6 hours.  You will be compensated for the actual amount you paid for essential clothing  but not exceed 1,000 THB  for every 6 hours of delay and 20,000 THB for the whole coverage period.

Does WanderThai have a preferred ASQ and ALQ accommodation partner in Thailand?

 

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Tips & Articles

You can find more helpful information about Alternative State Quarantine in Thailand on our facebook group ASQ in Thailand : https://web.facebook.com/groups/asqinthailand