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AXA Optimum provides top of the line sickness and accident coverage. It guarantees coverage for life if you take a physical.
If for some reason you can't take a phiysical right now, AXA will still cover you up to age 70
  
Maximum limit (Baht /Person/ Year)
| Benefits |
BASIC |
CLASSIC |
DELUXE |
|
Policy Annual Limit
|
1,500,000 |
2,500,000 |
5,000,000 |
| A. Hospitalization & Surgery
|
| 1) Daily Room & Boards, General Nursing Services(Max./day) |
8000 |
10,000 |
12,000 |
| 2) Intensive Care Unit |
As Charged |
As Charged |
As Charged |
| 3) Hospital Miscellaneous Sevices |
As Charged |
As Charged |
As Charged |
|
4) Pre- Hospital /Surgery Specialist Consultation
(Up to 30 days before admission)
|
As Charged |
As Charged |
As Charged |
|
5) Pre-Hospital / Surgery Dignosis Services
(Up to 30 days before admission)
|
As Charged |
As Charged |
As Charged |
|
6) Post-Hospital / Surgery Treatment
(Up to 60 days after admission)
|
As Charged |
As Charged |
As Charged |
| 7) Anesthetist's Fee |
As Charged |
As Charged |
As Charged |
| 8) In-Hospital Physician's Visit ( Max.1 visit/ day) |
As Charged |
As Charged |
IAs Charged
|
| 9) Surgeon's Fee |
As Charged |
As Charged |
As Charged |
|
10) Prosthesis Benefit
|
As Charged |
As Charged |
As Charged |
|
11) Special Nursing and/or Home Nursing-(per disability)
(Max. payable 1,000.-/day)
|
30 days |
45 days |
60 days |
|
12) Emergency Out- Patient Treatment Due to Accident
(Including follow up treatment 30 days as from the accident)
|
30,000 |
50,000 |
70,000 |
| 13) Miscarriage due to Accident ( per accident) |
15,000 |
15,000 |
15,000 |
| 14) Organ Transplants (annual limit) |
500,000 |
700,000 |
1,000,000 |
|
| B. Outpatient Dental Treatment Due to accident (per accident) |
15,000 |
25,000 |
50,000 |
|
C. Dread Disease Recuperation Benefit; Heart Attack, Cancer, Stroke,
Coronary Artery By- Pass Surgery, (one time lump-sum payment)
|
50,000 |
70,000 |
100,000 |
|
D. Outpatient Kidney Dialysis and Outpatient Cancer Treatment
- Outpatient Kidney Dialysis (lifetime limit)
- Outpatient Cancer Treatment (lifetime limit)
|
150,000
150,000
|
250,000
250,000
|
500,000
500,000
|
|
E. Personal Accident ( one time lump-sum payment)
Full cover for Murder- Assualt & Motorcycling
|
100,000 |
100,000 |
100,000 |
|
F. Special Grant
1) Special Grant (Death Benefit - one time lump- sum payment)
2) Emergency Assistant*As Charged
- Emergency Medical Repatriation, Repatriation*
- Repatriation or Local Burali*
|
300,000
2,500,000
|
30,000
2,500,000
|
30,000
2,500,000
|
|
G. Overseas Annual limit
|
750,000
|
1,500,000
|
2,500,000
|
| H. Company's Liability for life-time limit |
10,000,000
|
15,000,000
|
25,000,000
|
Notes for Standard Benefits:
1) The policy annual limit shall apply to all benefits, except the benfits with* ( Emergency Assistance)
2) For section A14, the amount stated are annual limits. And excluding the cost of acquisition of the organ and all costs incurred by the donor
3) For section G, Overseas Annual limit shall apply to all benefits, except the benefits with * (Emergency Assistance)
4) For section H, Company's liability for life time limit shall apply to all benefits, except the benefits with * (Emergency Assistance)
5) Overseas finance payment direct to providers can be arranged where claims exceed Baht 100,000
6) Day Surgery will be paid under the outpatient benefit, unless such surgery has been authorized by our Hotline Service in advar for the authorized case, the expenses will be charged under section A. Hospitalisation & Surgery Benefits
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OPTIONAL BENEFITS
OUTPATIENT BENEFIT & PERSONAL ACCIDENT INSURANCE
|
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Outpatient Benefit (OPD)
Annual Limit
|
OPD- 20 |
OPD-30 |
OPD-50 |
| 20,000 |
30,000 |
50,000 |
|
Personal Accident Insurance (PA 2)
50% for Murder- Assualt & Motorcycling
Sum Insured
|
PA 1MB
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PA 2MB
|
PA 3MB
|
| 1,000,000 |
2,000,000 |
3,000,000 |
Note: For Outpatient Benefit
1) Max. 1 Visit/ per day
2) Outpatient benefits is including doctor's consultation, x-ray and laboratory test, MRI, CT and ECG
Note: For Personal Accident Insurance
1) Optional benefit of personal Accident Insurance will not be applicable to children aged below 18 years
2) This insurance premium is applicable for occupation Class I, II & III
3) The Personal Accident Insurance Policy will be issued for the optional PA
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