Nichandee.asia, Lifestyle & Communication, EXPAT HEALTH CARE
 
HEALTH INSURANCE EXPAT
Nichandee.asia, Lifestyle & Communication, EXPAT HEALTH CARE
Hospital Health Insurance for Expats in Thailand
Our Health is the Highest Good
 
 
Nichandee Healthcare AXA Health Insurance
AXA ASSISTANCE
EU Expat Insurance
Stay in Hospital
  • Accident & Illness
  • Covers up to 480'000 THB per case
  • No age limit
  • No disease restrictions
  • No medical certificate necessary
  • For all EU and Swiss citizens
  • Annual cost 20'000 THB
  • No cost increases after years
  • Repatriation
  • Legal assistance, travel assistance
  • Agent in Udon Thani (for all of Thailand):
    Kwanta (speak DE, EN, FR, NL, Thai)
Contact here
the AXA Agents
Kwanta & Edmond
 
Nichandee AXA Health Insurance for Expats
Nichandee Health the highest good 
IN CASE OF HOSPITAL EMERGENCY
KWANTA & EDMOND REGULATE EVERYTHING!
Their on-site support is indispensable and highly valuable.
 
 
HEALTH INSURANCE OBLIGATORY IN THAILAND
When it becomes law that every tourist / expat must have a health insurance,
you are on the safe side with this Axa Assistance!
AXA ASSISTANCE - the Details
Translation from French
Why?
People who live or work abroad for some time want to be able to rely on some support, when a problem occurs far away from home.
 
What is all about?
The Expat solution offers a wide range of support in different areas during an unlimited stay abroad.
 
For whom?
For expats and their families.
 
Advantages?
Extended help for people
Travel assistance
Legal assistance
 
Summary of guarantees
Help for individuals
  • Transport, repatriation in case of illness or accident
  • Medical expenses up to € 12'500 (=480'000 THB) per case
  • Option for medical expenses up to € 1 million (only those who still have insurance in their home country)
  • In the event of death: organization and payment of repatriation to the place of burial or cremation anywhere in the world
  • Repatriation of other insured persons
  • Repatriation of an insured travelling alone
  • Childcare < 16 years
  • Return to the country of residence
  • Insurance cover for the transport of a family member by train/plane during the insured person's stay in a hospital centre.
  • Early return to the country of origin in the event of death or hospitalisation > 10 days in an EU country of a family member
Travel assistance
  • Supply of essential medicines not available in the country you stay as an expat
  • Transmission of urgent messages
Legal assistance
  • Advance payment of lawyer's fees abroad
    max. € 1'2500 (=480'000 THB) per case
  • Advance of the penalty bond abroad
    max. € 12'500 (=480'000 THB) per case
Prices in Euro
Free offer, help for people:
 
1 person/ family
Basic warranty
450 €/ 1120 €
 
Options (only those who still have insurance in their home country)
Medical costs up to € 1.000.000
50 €/ 175 €
 
Validities
Personal care applies worldwide with the exception of the insured person's country of origin.
 
Watch out!
We only insure persons whose country of origin or destination is a Zone 1 country.
If there is no coverage by OSSOM or other social insurance institutions, the reimbursement of medical expenses is limited to € 12,500. (=480'000 THB) per case.

Country of residence and region of origin
Zone 1: Andorra, Belgium, Denmark, Germany, Estonia, Finland, France, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Austria, Poland, Portugal, Slovakia, San Marino, Slovenia, Spain, Sweden, Switzerland, Vatican, United Kingdom and Grand Duchy of Luxembourg.
Zone 2: All other countries in the world.
 
Important advantages
This insurance is valid for hospital emergency in case of illness and accident!
 
  • In case of a hospital stay longer than one week, a family member is flown in, 10 overnight stays in a hotel plus 60 € per day are paid, as well as the return flight.
  • In the event of a traffic accident and the insured being captured by the police, AXA will immediately provide a deposit for lawyers up to a maximum amount of THB 480,000.
  • The maximum amount of THB 480,000 applies to each individual case, e.g. in three different cases per year AXA would pay almost 1.5 million.
  • All cases and payments are transferred from AXA Belgium to AXA Thailand / Bangkok, the general agent with whom Kwanta is in close contact.
  • Upon completion of hospitalisation, the insured pays a deductible of THB 2000, which is invoiced and can be settled by direct bank transfer to Belgium.
  •  Spouses with the passport of a zone 1 country of origin, can of course also join the insurance.
Miscellaneous
  • The insurance certificate with the insurance number is printed on an A4 sheet with the policy/receipt. The card should be cut out, folded and laminated and always carried along with you.
  • It is recommended to produce two ID cards, one for the insured and one for the partner.
  • These translations and statements are not binding.
  • If you have any questions, please contact Kwanta & Edmond directly, they will be happy to provide you with any detailed information.
 
Evaluations and personal experiences
After more than 5 years of searching for a suitable solution, this offer was simply outstanding!
 
With all other insurances, there were immediately massive restrictions (exclusions) because of the high blood pressure. One insurance even told us bluntly, that the high blood pressure could be the reason for practically every future illness, and they therefore probably would not pay. The starting insurance fees of THB 26,000 (by 58 years old) per year, would rise massively every year. In addition, it is also well known, that all insurance companies will "dismiss" you from 65 or 70 years of age on, often without a warning.  
 
AXA's coverage is 480,000 THB per case for illness and accident:
Illness
The best is, you ask at the hospital, which cases of illness are covered by this amount, e.g. knee surgery, prostate etc.. For larger operations, e.g. on the heart, the amount may no longer be sufficient. In such a case, it will be unavoidable to travel home, paid for by AXA and have the operation performed in your home country. This works well for Swiss Expats, because if they re-register by returning to Switzerland, they have to join a health insurance company immediately and are therefore insured.
 
For everyday illnesses, we still go directly to the local doctor or to the provincial hospital. There, the expat is also treated at Thai rates (Tabien Ban/Gelbes Hausbuch, Thai-ID-Card/rosa, hospital card). The treatment costs there are so cheap, that there is no need for health insurance.  
 
Accident:
In the event of an accident, it should be remembered that a return journey to the home country may not be possible. Here, it would be appropriate to increase the cost coverage with an accident insurance in Thailand e.g. by another 500'000 THB. These insurances are inexpensive here and can be taken with AXA or at any bank. Most shopping centres also have insurance offices.
 
Who possesses an ATM card e.g. of Krung Thai bank, comes automatically into the benefit of an accident insurance with a 20'000 THB cover,this is included in the annual card fee of 1500 THB. This is enough e.g. for a treatment of a dog bite, including the expensive rabies vaccination.
 
Conclusion
In this combination with the AXA Expat hospital/travel insurance plus a possible increase of an insurance in Thailand for accident plus the possibility to use the government offers of the hospitals, you are best served. Extreme situations are of course always excluded.
 
 
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