Domestic and International Travel Insurance

You can buy if you are:

• Thai nationals or non-Thai nationals who are residents of Thailand including long-term resident (LTR) visa holder (OX-10 years and OA-1 year) or working permit holders or dependent visa holders or student visa holders.
• Age between 1 – 79 years old on the start date of the trip.

Single trip policy:

To ensure coverage throughout your trip to all destinations, you must specify all the countries, regions, or territories you will be traveling to when you purchase the Smart Traveller’s Choice Insurance. There is a maximum limit of 10 countries per trip.

Annual trip policy:

You can choose to specify your destination as either Asia or Worldwide depending on where you plan to travel for the next year.

The AXA travel insurance plans suitable for applying for a Schengen Visa are the Advance and Max plans.

The travel insurance plan for applying for a Schengen Visa must have the following coverage:

Sum insured: €30,000 or approximately 1.5 million Baht.

Must cover medical expenses related to injuries and sicknesses, emergency medical evacuation or repatriation back to Thailand, as well as expenses for repatriation of mortal remains back to Thailand while travelling within the Schengen Area.

You need to specify all the countries you will be traveling to within the Schengen Area including the country of the embassy that you will make the visa application. For example:

• If you are traveling to only France and applying for a Schengen visa from the French embassy, you can choose France as your destination. Your policy schedule will state the destination as "France and including other Schengen countries."
• If you are traveling to more than one country, you need to select all the countries you will visit. For instance, if you are traveling to Italy and Spain, you should select both Italy and Spain as your destinations. Your policy schedule will state the destination as "Italy, Spain, and including other Schengen countries."

If your Schengen Visa is not granted by the embassy and you have evidence from the embassy, you can notify AXA before the policy start date, and AXA will refund the full premium to you.

To  geta premium refund, please provide the following documents before the policy start date:

• A copy of the insurance policy.
• A copy of the Schengen visa refusal letter from the embassy.
• A copy of your passport.

Send the documents to axathai@axa.co.th or contact us for further inquiries at 02 118 8111 during business hours, Monday to Friday, 08:30 – 17:00.

• Cancellation and refund conditions for insurance policies:
• Single trip policy:
• You can cancel the insurance policy by notifying AXA in writing within 7 days from the date you receive the policy from AXA  Also, the notification must reach AXA before the policy start date. A full premium refund will be provided to you.
• You can cancel the insurance policy if your visa is not granted, which have evidence from the embassy. You must notify the company before the policy start date. A full premium refund will be provided to you. For more details, refer to + If my Schengen visa is not granted by the embassy, can the insurance policy be canceled and the premium refunded?
• Annual trip policy:
• You can cancel the insurance policy by notifying the company in writing within 7 days from the date you receive the policy from the company. Also, the notification must reach AXA before the policy start date. A full premium refund will be provided to you. If you cancel the policy after the policy start date, you will receive a refund of the premium after deducting the premium for the coverage period already provided, based on the short-term premium rates specified in the insurance policy.

AXA will refund the premium on a pro-rata basis from the date you arrive back to Thailand if you are denied entry due to a visa-on-arrival rejection or a visa-free entry denial

You can email to update your information at axathai@axa.co.thor contact the customer service center at 02 118 8111 from Monday to Friday, between 08:30 and 17:00. Changes to the policy or postponement of the travel start date must be notified to the company before or on the policy start date. You will receive the revised documents within 3 business days. You can postpone the start date of your trip for up to 180 days from the date you purchased the insurance policy.

• If your insurance policy is a is a single trip policy, you cannot modify, change, or extend the coverage period after the trip has started.
• If your insurance policy is an annual trip policy, you can travel overseas for up to 90 days or 180 days per trip, depending on the insurance plan you have chosen. You cannot extend the coverage period beyond 90 days or 180 days after the trip has started.
• You can find more information on automatic extension of coverage period under situations specified in the insuring agreement "Automatic Extension of the Period of Insurance", in the section on + Automatic Extension of the Period of Insurance.

If you sustain an injury or suffer from sickness that occurs suddenly and unexpectedly during the trip overseas, and within the period of insurance. If such an accident or sickness cause you to receive medical treatment in hospital, medical center or clinic, whether as an inpatient (IPD) or outpatient (OPD)—follow these guidelines:

• For Outpatient Treatment (OPD): You will need to pay the medical expenses upfront and then submit a claim to AXA for reimbursement after returning to Thailand.
• For Inpatient Treatment (IPD): You can contact AXA hotline at02 118 8111 for emergency medical assistance. You do not need to pay upfront if you receive treatment at hospital network of emergency assistance provider assigned by AXA.

If the following event occurs, causing the schedule of fixed route transport or airplane (commercial airlines) you are travelling on to be delayed by at least 6 consecutive hours from the original schedule, AXA will compensate for each 6-hour delay, up to the sum insured specified on the policy schedule, with a total compensation limit not exceeding the sum insured on the policy schedule.

• Adverse weather conditions for travel.
• Malfunction or breakdown of fixed route transport or airplane (commercial airlines) machinery.
• Strike or protest by fixed route transport or airport employees.
• Unforeseeable riot and civil commotion at the destination specified in the insurance policy.
• A natural disaster at the destination specified in the Insurance Policy.
• Any event leading to the closure of airspace or airports.

Submit your travel insurance claim anytime, anywhere. Click here to enter the Online Claim Submission

You can contact AXA hotline at02 118 8111 for emergency medical assistance.