AXA EasyCare Visa is a Thai health insurance plan built to get you a long-stay visa. It meets the insurance rules for the O-A, O-X and LTR visas, and you can buy it online with no medical check. It’s one of the cheapest ways to tick the insurance box, because every claim carries a deductible of at least THB100,000 and cancer care is capped at THB100,000.
This review covers what EasyCare Visa pays for, what it leaves out, what you’d pay on a real hospital bill, roughly what it costs at your age and who it suits. Every figure comes from AXA Thailand’s own table of benefits, FAQ and online quote form.
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Contents
- Key Takeaways
- AXA EasyCare Visa at a Glance
- What Is AXA EasyCare Visa?
- Why Expats Choose AXA EasyCare Visa
- Plan and Coverage
- How the Deductible Works
- What's Not Covered
- Area of Coverage
- Visa Compliance
- Waiting Period
- Hospitals and Claims
- Family Cover
- How Much Does It Cost?
- Disadvantages
- Should I Get It?
- Alternatives with Fuller Coverage
- FAQ
- Disclaimer
- Sources Cited
Key Takeaways
- AXA EasyCare Visa is designed for the O-A, O-X and LTR visa insurance rules, and AXA issues a visa certificate with the policy.
- You can apply up to age 80 and renew up to 99, with no medical check.
- Every claim has a deductible of THB100,000, THB200,000 or THB300,000, so small and mid-sized hospital bills are yours to pay.
- Cancer treatment is capped at THB100,000, and transplants, rehab and dialysis aren’t covered.
- It covers treatment in Thailand only.
- Expect to pay roughly THB6,500 to THB15,000 a year at 56 to 60, and THB19,000 to THB35,000 at 61 to 65.
- Buy it if you mainly need a visa certificate and can cover routine bills yourself. Choose Plan 2 if you do.
AXA EasyCare Visa at a Glance
AXA EasyCare Visa is a low-cost Thai plan that gets you a visa certificate and pays out mainly for large hospital bills in Thailand.
AXA EasyCare Visa
Visa health insurance from AXA Thailand
- Plans
- Plan 1: THB2,000,000 per illness
Plan 2: THB4,000,000 per illness - Deductible
- THB100,000, THB200,000 or THB300,000 on every claim
- Where
- Thailand only
- Visas
- O-A, O-X and LTR, with an AXA visa certificate
- Age
- Apply up to 80, renew up to 99, no medical check
- Cancer cover
- Capped at THB100,000
- Price at 56 to 60
- About THB6,500 to THB15,000 a year
- Price at 61 to 65
- About THB19,000 to THB35,000 a year
Not sure it’s enough cover? Compare it with other plans
Verified October 2026.
What Is AXA EasyCare Visa?
AXA EasyCare Visa is a health insurance plan from AXA Insurance Public Company Limited, the Thai general insurance arm of the French AXA Group. It’s sold under AXA’s SmartCare Essential health policy and priced in Thai baht.
AXA built it for foreigners who need insurance for a visa application. AXA is listed with the Thai General Insurance Association for the long-stay visa scheme and with the Board of Investment for the LTR visa, and it says its visa certificate is accepted by Thai embassies and immigration. Because AXA is the insurer, you deal with AXA directly for claims and renewals.
Why Expats Choose AXA EasyCare Visa
EasyCare Visa’s appeal is speed and price:
- Online purchase: you buy on AXA’s website and receive the policy, e-card and visa certificate by email.
- No medical check: AXA doesn’t ask for one at any age.
- Age limits: you can apply up to 80 and renew up to 99. Many international plans stop taking new customers in their 60s or 70s.
- Price: a 58-year-old can get a visa-ready plan for about THB6,500 a year with the highest deductible.
The trade-off is coverage. The high deductible and low sub-limits mean the plan pays out mainly when something big and expensive happens, and even then it may not pay the whole bill at a private hospital.
Plan and Coverage
AXA EasyCare Visa comes in two plans: Plan 1 pays up to THB2,000,000 per illness or injury, and Plan 2 pays up to THB4,000,000. Complications within 90 days of leaving hospital count as the same illness.
How much AXA pays depends mostly on the sub-limit for each type of cost, and that’s where the two plans differ most:
Swipe sideways to see both plans →
| Benefit | Plan 1 | Plan 2 |
| Maximum per illness or injury | THB2,000,000 | THB4,000,000 |
| Deductible per illness or injury | THB100,000, 200,000 or 300,000 | THB100,000, 200,000 or 300,000 |
| Standard room (per day) | THB2,500 | THB4,000 |
| ICU room (per day) | THB5,000 | THB8,000 |
| Medicine, lab and nursing (per stay) | THB30,000 | THB150,000 |
| Doctor’s visit in hospital (per day) | THB1,000 | THB1,500 |
| Surgery, surgeon and anesthetist | Paid in full | Paid in full |
| Day surgery and minor surgery | Paid in full | Paid in full |
| Tests and follow-up within 30 days of a stay | Paid in full | Paid in full |
| Cancer (chemo and radiotherapy) | THB100,000 | THB100,000 |
| Ambulance | THB1,000 | THB1,500 |
| Special nursing (per day, 30 days a year) | THB1,000 | THB1,500 |
| Outpatient visits | THB1,500 a visit, up to THB45,000 a year | THB1,500 a visit, up to THB45,000 a year |
| Accidental death or disability | THB25,000 | THB50,000 |
| Organ transplant, rehab, dialysis | Not covered | Not covered |
Plan 1 pays only THB30,000 per stay for medicine, lab work and nursing combined, and a few nights at a private hospital in Bangkok can use that up. Plan 2 pays THB150,000 for the same costs and gives a better room allowance, so for most people it’s worth the higher premium.
Community Input: In an expat discussion in February 2026, an AXA policyholder described a two-week stay with time in ICU where four specialists saw them daily, and AXA paid for one visit a day. About 20% of the bill went unpaid, including oxygen in ICU and a sleeping pill. EasyCare Visa has the same one-visit-a-day rule.
How the Deductible Works
AXA EasyCare Visa always has a deductible of THB100,000, THB200,000 or THB300,000 per illness or injury, and you pay that amount yourself before AXA pays anything. You choose the level when you buy; a higher deductible means a lower premium.
These examples assume Plan 2 with a THB100,000 deductible:
| Situation | Bill | You pay | AXA pays |
| Two nights in hospital for a stomach infection | THB60,000 | THB60,000 | Nothing |
| A week in hospital with surgery | THB250,000 | THB100,000, plus anything above the room and medicine limits | Up to THB150,000 |
| Chemotherapy over several months | THB1,500,000 | Most of it | Up to THB100,000 for chemotherapy |
| Treatment in Malaysia or your home country | Any amount | All of it | Nothing (Thailand only) |
With a THB300,000 deductible, AXA would pay nothing for the surgery example either. In practice the plan covers big, rare events, and everyday and mid-sized bills stay with you.
Ask about outpatient visits: AXA’s table lists the deductible per illness or injury, next to a THB1,500 outpatient benefit per visit. Before you count on the outpatient benefit, ask AXA in writing whether the deductible applies to those visits too.
What’s Not Covered
AXA EasyCare Visa doesn’t cover organ transplants, rehabilitation after a hospital stay or kidney dialysis on either plan. Both plans also leave out or cap these:
- Cancer: chemotherapy, radiotherapy and related treatment are capped at THB100,000 in total, a fraction of what a full course costs at a private hospital.
- Pre-existing and chronic conditions: anything not fully cured before the policy starts isn’t covered, including complications from it.
- Treatment outside Thailand: not covered at all, with no emergency cover abroad and no medical evacuation.
- Dental, vision, maternity and health check-ups: not part of the plan.
If you already have conditions such as high blood pressure or diabetes, read our guide to health insurance with a pre-existing condition in Thailand before choosing a plan.
Area of Coverage
AXA EasyCare Visa covers treatment in Thailand only, with no regional or worldwide option. If you travel often or might want treatment back home, you’d need separate travel insurance for trips abroad, or an international plan instead.
Visa Compliance
AXA EasyCare Visa is designed to meet the health insurance rules for the O-A, O-X and LTR visas, and AXA issues a matching visa certificate with the policy.
| Visa | Insurance rule | EasyCare Visa |
| O-A (1-year retirement) | At least US$100,000 or THB3,000,000 for inpatient and outpatient care, including COVID-19 | Yes. Choose Plan 2 to be safe (see below) |
| O-X (10-year retirement) | At least THB400,000 inpatient and THB40,000 outpatient | Yes, on both plans |
| LTR | At least US$50,000 in Thailand, with 10 months or more left on the policy | Yes, on both plans |
The O-A certificate states the plan’s total sum insured per policy year. Plan 1’s limit is THB2,000,000 per illness, so if you’re applying for an O-A, ask AXA which plan gives a certificate showing at least THB3,000,000 before you pay.
Community Input: Expats who have used EasyCare Visa for an O-A report it works for the visa. One applicant in March 2026 found the policy PDF (about 4MB) too big for the Thai e-visa upload and fixed it by printing it to a new PDF. Another said uploading just AXA’s O-A certificate and the Foreign Insurance Certificate was enough.
Leave a day before your immigration appointment, because AXA says it takes up to 24 working hours for a new policy to show in the system immigration checks. For the full rules, see our guide to Thailand’s mandatory health insurance rules for retirees and our retirement visa guide.
Waiting Period
AXA EasyCare Visa doesn’t cover any illness in the first 30 days of the policy, though accidents are covered from day one. These conditions have a 120-day wait from the first start date:
- Tumors, cysts and all types of cancer
- Hemorrhoids and all types of hernia
- Pterygium and cataracts
- Tonsil or adenoid removal
- All types of stones (kidney, gall bladder and so on)
- Varicose veins in the legs and endometriosis
Hospitals and Claims
AXA EasyCare Visa lets you use any licensed hospital or clinic in Thailand, and AXA pays the bill directly at more than 400 hospitals and clinics in its network. You show your passport and AXA card at the counter, and AXA settles the covered amount after your deductible.
Outside the network, you pay first and claim back within 30 days of leaving hospital. AXA asks for:
- AXA’s claim form
- A medical report with symptoms, test results and treatment
- Original receipts
You can file claims, check your remaining limits and find network hospitals in the AXA Customer Portal. The plan also includes video calls with a doctor through the Doctor Anywhere app, with medicine delivered to your home.
Community Input: Expats say hospitals know the AXA card well. In a February 2026 thread, two policyholders said Bangkok Hospital admitted them without a deposit. One added that the payment guarantee took most of a day on discharge. A long-time AXA customer on the AseanNow forum said AXA paid more than THB1.5 million for heart bypass surgery directly to the hospital, under a fuller AXA plan. Several people recommend buying through a broker rather than an agent. As one commenter on Reddit put it in August 2026, an agent represents the insurance company, while a broker works for you when a claim gets difficult.
Family Cover
AXA EasyCare Visa can include your legal spouse and unmarried children aged 15 days to 18, or up to 23 if they’re full-time students. AXA gives a 5% discount for two or three people on one policy and 10% for four or more.
How Much Does It Cost?
AXA EasyCare Visa costs roughly THB6,500 to THB15,000 a year for someone aged 56 to 60, and THB19,000 to THB35,000 from 61 to 65. The lower figure is Plan 1 with the THB300,000 deductible; the higher one is Plan 2 with the THB100,000 deductible.
Swipe sideways to see both plans →
| Age | Plan 1 | Plan 2 |
| Under 41 | THB1,300 to THB4,800 | THB1,900 to THB6,200 |
| 41 to 45 | THB4,100 to THB7,200 | THB5,300 to THB9,300 |
| 46 to 50 | THB4,600 to THB8,100 | THB6,200 to THB10,900 |
| 51 to 55 | THB5,400 to THB9,500 | THB7,100 to THB12,400 |
| 56 to 60 | THB6,500 to THB11,300 | THB8,400 to THB14,600 |
| 61 to 65 | THB19,100 to THB27,200 | THB23,900 to THB34,600 |
| 66 to 70 | THB22,900 to THB36,500 | THB26,600 to THB43,000 |
| 71 to 75 | THB26,900 to THB43,200 | THB34,700 to THB56,000 |
| 76 to 80 | THB34,600 to THB55,500 | THB44,500 to THB71,900 |
The jump at 61 is steep. Plan 2 with a THB100,000 deductible costs about THB14,600 at 60 and THB34,600 at 61. AXA says premiums may rise with age, so budget for increases at renewal.
You can get an exact price on AXA’s website, or compare AXA’s plans with other Thai insurers through CheckDi.
Disadvantages
AXA EasyCare Visa pays little for anything short of a major hospital stay, because of these limits:
- The deductible of THB100,000 to THB300,000 per illness means you pay most everyday and mid-sized bills yourself.
- Room, medicine and doctor sub-limits are low for private hospitals, especially on Plan 1.
- Cancer treatment is capped at THB100,000, and transplants, rehab and dialysis aren’t covered.
- There’s no cover outside Thailand.
Should I Get It?
AXA EasyCare Visa makes sense if your main goal is a visa certificate at a low price and you have savings for routine and mid-sized medical bills. It also helps if you’re past the age limit for other plans, since AXA takes new applicants up to 80.
It’s a poor fit if you want insurance to carry the cost of serious illness. With cancer capped at THB100,000 and a deductible on every claim, a major diagnosis could still cost you millions of baht at a private hospital.
Community Input: In a Thailand visa Facebook group in August 2025, an O-A holder wrote that after two years on EasyCare Visa, the deductible made it useful only for the visa, so they were looking at a fuller plan. Another bought it to get the O-A, then took out comprehensive cover once in Thailand. A third, who has had AXA cover for three years, said an operation was paid without problems.
If you do buy it, pick Plan 2. Its sub-limits are far more realistic for private hospitals, and on an O-A it’s the safer choice for the THB3,000,000 certificate.
Alternatives with Fuller Coverage
Comprehensive plans cost more but pay for serious treatment without a THB100,000-plus deductible on every claim. Popular choices with our readers include:
- Luma Health: a Thai health plan built for expats and priced in baht. See our Luma Health review.
- Cigna Healthcare: international cover from US$1,000,000 a year, with full cancer and transplant cover and no age limit for new applicants. See our Cigna Healthcare Thailand review.
- April International: worldwide cover that pays cancer and evacuation in full, for people who join by 60. See our April International review.
- ACS Expat: low-cost worldwide hospital cover that renews for life, for people who join before 65. See our ACS Expat review.
To compare these side by side with other popular plans, use our expat health insurance comparison and plan finder.
FAQ
AXA EasyCare Visa is sold online, and premiums and claims are paid in Thai baht.
Can I buy AXA EasyCare Visa if I’m already in Thailand?
Yes. You buy it online and receive the policy and visa certificate by email, wherever you are. Allow 24 working hours before using it at immigration.
Does AXA EasyCare Visa cover COVID-19?
Yes. AXA says the plan covers COVID-19 and other infectious diseases, both in hospital and as an outpatient, under the normal limits and deductible.
Can I keep the policy after 80?
Yes. New applicants must be 80 or under, but you can renew up to age 99. The premium may rise as you get older.
What currency are premiums and claims paid in?
Thai baht. If you pay a hospital bill in another currency, AXA converts it at the Bank of Thailand rate on the date of the receipt.
Disclaimer
*While we try our best to provide you with up-to-date and accurate information, the volatile nature of the health insurance business means some of the information above may be subject to change. Please use it only as a guideline, and if you have any doubts, it’s best to check directly with AXA or an insurance broker.
We are not an insurance broker and can’t offer individualized advice. We can only connect you with people who we would consult in your situation, and who we found to be professional, knowledgeable, and ethical in their dealings with clients.
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Sources Cited
- AXA Thailand, EasyCare Visa Health Insurance: plans, table of benefits, deductible options, age limits, waiting periods, exclusions, network size and visa requirements.
- AXA Thailand, EasyCare Visa brochure and table of benefits: sub-limits, exclusions, family discount, telehealth and cashless claims.
- AXA Thailand, EasyCare Visa FAQ: Thailand-only coverage, family eligibility, claim documents and the 24-hour certificate wait.
- AXA Thailand online quote form: premiums by age, plan and deductible (quoted 13 October 2026).
