AXA Smart Traveller Plus

Insurable Age

• Age 1 - 70 years: eligible for all plans
• Age above 70 years (up to a maximum of 75 years): eligible only for the Economy, Silver, or Gold plan.

Premium Payment

• Single trip
• Annual trip

Terms and Conditions

1. The Insured must be a Thai national or a non-Thai national residing in Thailand, including holders of long-term resident (LTR) visas, work permits, dependent visas, or student visas.
2. For the annual policy, the maximum coverage period per trip is 180 days.
3. Travel must commence from Thailand and end in Thailand. The insurance policy must be purchased before departure (not while already travelling).
4. Only one policy may be purchased per insured person per trip.
5. Terms and conditions are subject to the Smart Traveller Plus insurance policy.
6. For travel to Schengen countries, only the Gold plan or higher is valid for Schengen visa applications.

     This insurance policy will not cover any loss, injury, damage, or legal liability arising directly or indirectly from travel in, to or through:

• Afghanistan, Belarus, Crimea (including Sevastopol), Cuba, Iran, Nepal (only areas higher than 1,500 m. above sea level), North Korea, Russia, Syria, Myanmar, Ukrainian Regions of Donetsk, Luhansk, Kherson and Zaporizhzhia and Venezuela.
• The sanctioned countries declared by the United Nations (UN) or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America.

Important Exceptions

1. Coverage does not extend to airline personnel (except ground staff), air crew, ship crew, naval, military or air-force service members, or professional athletes, including professional divers.
2. Suicide, attempted suicide or any act of self-harm.
3. Pre-existing medical conditions, including any symptoms or complications arising from such conditions.
4. Injuries sustained while the Insured is engaged in hunting, car or boat racing, horse racing, ski racing (including jet-ski), skate racing, boxing, parachuting (except for life-saving purposes), hot-air ballooning, gliding, bungee jumping, climbing or hiking that requires equipment, or diving with oxygen tanks or other underwater breathing apparatus.