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1. Personal Health Insurance
4
Perfect Health Solution
Krungthai-AXA Life has received numerous awards and recognitions nationally and internationally
such as. ; 2014- Asia Disability Matters honoree in workforce category by Springboard Consultant
LLC (USA) - Asia Responsible Entrepreneurship Award in Health Promotion category by
Enterprise Asia - The Annual Best Employer Award in Employee Skill Development, 2013 - The Best
Development Life Insurance company from Office of Insurance Commission, second place for
Corporate Responsibility for the AXA Group, 2011 - Social Contribution for People with
Disabilities Award and Diversity & Inclusiveness with regards to People with Disabilities. The AXA
Group works closely with the United Nations International Strategy for Disaster Reduction
(UNISDR) and the United Nations Environment Protection (UNEP) on the Principles for
Sustainable Insurance (PSI). Krungthai-AXA Life is also closely involved with these UN initiatives
and has taken the lead in Thailand on the PSI.
Krungthai-AXA Life Insurance Public Company Limited
2034/116-123, 136-143 Italthai Tower, Floor 27-28, 32-33
New Phetchaburi Road, Bangkapi, Huai Khwang, Bangkok 10310, Thailand
Tel. 0 2723 4000 Fax. 0 2723 4032
0 2689 4800
www.krungthai-axa.co.th
Customer Call Center
Perfect Health Solution
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Live a worry-free life from critical illness with Coverage for
Radiotherapy, chemotherapy and Kidney dialysis
Welcome Mommy to-be with coverage for pregnancy,
childbirth, pre and post natal complications and newborn
accommodation
Support proactive healthcare with coverage for annual
health screen, routine dental care, routine optical care
and vaccination
Receive coverage in every perspective of your health with
alternative therapies including acupuncture and
chiropractics as per suggestion from qualified practitioner
Access to world-class healthcare treatment with
worldwide coverage, as per coverage plan of choice
Medical second opinion to provide you free access
to world-class medical practitionerFree
Provide lump-sum coverage for in-patient treatments of
up to maximum Bt100 million per year
2
3
4
5
6
Because we are unique
1) In-patient and daycare
treatment
2) Out-patient treatment
4) Physical Therapy
3) Radiotherapy, chemotherapy
and Kidney dialysis
Maximum as per
coverage plan
Maximum
180,000 Baht per year
8) Alternative therapies
9) Routine dental care
10) Routine optical care
11) Annual Health screen
12) Vaccination
13) Domestic Health treatment
14) International treatment
(for in-patient treatment)
No pre-payment
is required in case
early notice by
insured with sufficient
coverage
Pre-payment is required
and paid based on
benefit table, mostly
insufficient coverage for
international hospitals
15) 24-hour International
Emergency Medical Assistance
16) Concierge service
17) Medical second opinion
Perfect Health
Solution
Other health
plan
Benefits
Lump-sum
payment
Based on
benefit table
Lump-sum
payment
Maximum limit
imposed
Covered Not coverage
Covered Not coverage
Covered Not coverage
Covered Not coverage
Covered Not coverage
Covered Not coverage
Covered Not coverage
Covered Not coverage
Covered Not coverage
Covered Not coverage
Covered Not coverage
Covered Not coverage
7) Pregnancy and childbirth
5) Pre and post natal complications
6) Newborn accommodation
No pre-payment is required in case
admitted to in network hospitals
Note : Benefit No.7 - No. 12 depend on chosen coverage plan
1
Worldwide Healthcare that meets
all your needs
Worldwide Healthcare
that meets all your needs

2. Benefit Table
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Insured can choose ONE (1) Area of cover; however,
premium will vary for each Area of cover.
Death Benefit (Due to any cause)
Maturity Benefit (at 85 years of age)
Benefits Platinum Diamond Gold Silver Smart
50,000 THB or Return of total basic premium paid, whichever is higher
50,000 THB
1. In-patient and daycare treatment
2. Out-patient treatment
3. Other benefits
4. Maximum benefit per year
5. Areas of Coverage
1.1 Daily accommodation charges including Room & Board and meals of
up to (per night)
1.2 Hospital General charges
1.3 Hospital Cash benefit (In-patient treatment only)
2.1 Radiotherapy and chemotherapy
2.2 Kidney dialysis
2.3 Surgical procedures
2.4 Consultation and prescription
2.5 Diagnostic scans
2.6 Lab investigations, X ray, Ultrasound
2.7 Phycial Therapy
3.1 Ambulance and Transport
3.2 Accidental damage to teeth
3.3 Oral and Maxillofacial Surgery
3.4 Pre and post natal complications (12 MWP) (*)
3.5 Newborn accommodation
3.6 Pregnancy & childbirth (12 MWP) up to (*)
3.7 Alternative Therapies up to
3.8 Psychiatric treatment up to
3.9 Routine Dental Care up to (**)
3.10 Routine Optical Care up to
3.11 Health Screen (12 MWP) up to
3.12 Vaccination up to
Maximum benefit per year up to
Worldwide Coverage
Level of cover
3.13 Hospice and Palliative Care (12 MWP) up to (***)
1. 100% of actual expenses when treatment is received at an in-network hospital 2. 100% of reasonable and customary (R&C) charges when treatment is received at hospitals outside of network
Standard Single Room
(Up to 21,000 THB per day in Thailand)(****)
Standard Single Room
(Up to 15,000 THB per day in Thailand)(****)
Standard Single Room
(Up to 9,000 THB per day in Thailand)(****) Standard Single Room (Up to 5,200 THB per day in Thailand)(****)
Full Cover (up to maximum benefit per plan, per year)
7,000 THB (No other benefit claimed) 4,500 THB (No other benefit claimed) 3,500 THB (No other benefit claimed)
Full Cover (up to maximum benefit per plan, per year)
Full Cover (up to maximum benefit per plan, per year)
Full Cover (up to maximum benefit per plan, per year)
Full Cover (up to maximum benefit per plan, per year)
Full Cover (up to maximum benefit per plan, per year)
Full Cover (up to maximum benefit per plan, per year)
Full Cover (up to maximum benefit per plan, per year)
Full Cover (up to maximum benefit
per plan, per year)
Up to 100,000 THB per year
(****)
Up to 50,000 THB per year
(****)
Up to 35,000 THB per year
(****)
Up to 12,000 THB per year
(****)
Full Cover (up to maximum benefit per plan, per year)
400,000 THB per year(****)
35,000 THB per year(****) 5,000 THB per year(****)
5,000 THB per year(****)
7,500 THB per year(****) 4,000 THB per year(****)
200,000 THB per year(****)
36,000 THB per year(****)
25,000 THB per year(****)
30,000 THB per year(****)
45,000 THB per year(****)
1,000,000 THB per year(****)
100,000,000 THB 70,000,000 THB 10,000,000 THB 6,000,000 THB 3,000,000 THB
4 areas of cover to choose
1) Worldwide 2) Worldwide excluding USA 3) Asia 4) Thailand
2 areas of cover to choose
1) Asia 2) Thailand
Cover in Thailand Only Cover in Thailand Only
Emergency treatment only (maximum 45 days per single journey, including treatment days, for areas outside of cover)
(*) 12 MWP : 12-month waiting period. (**) Krungthai-AXA Life will pay eighty percent (80%) of all eligible treatment shown up to the limit specified in the table. (***) A lifetime limit applies to this benefit (****) Limited to maximum benefit per plan, per year.
Major Exclusions
Insured is not eligible to benefit payment from
treatments of injuries or medical conditions
(including complications), symptoms or unusual
conditions resulting from the following :
1. Any treatment within 30 days after rider commencement
date or reinstatement date, whichever is the latest.
2. Any treatment of the diseases or conditions listed below within
120 days after rider commencement date or reinstatement
date, whichever is the latest.
• Tumor, Cyst, or Cancer
• Hemorrhoids
• Hernia
• Glaucoma
• Tonsillitis
• Renal Calculi
• Varicose Vein
• Endometriosis
3. Any medical condition, chronic and for any associated
condition and complications thereof, that have not been fully
cured before the rider commencement date or reinstatement
date, whichever is the latest.
4. AIDS or venereal disease or sexually transmitted diseases.
Remark : Exclusions above are parts of all exclusions of the policy,
please see all exclusions in the policy contract.