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UPDATE: Coming to Thailand? Check your insurance and ASQ fine print.



A concerned reader sent us this information, based on his experiences in the ASQ when he arrived in Thailand. We publish them with good faith but would urge everyone to check their insurance situation, whether they’re currently in ASQ or might be in the near future, to check your individual circumstances. AXA has also responded to the comment, we provide that information in BOLD.

“Under current Thai ASQ rules, anyone who fails the RT-PCR test in quarantine is sent to hospital, even if they have no symptoms. The ASQ quarantine fee (paid in advance to the hotel) does not cover the hospital costs. So insurance is required.

1. I checked with AXA Thailand, as they offer an insurance policy for US$100,000 to meet the Covid-19 insurance laws.   They told me this does NOT cover hospitalisation without symptoms, even after failing the covid-19 tests that are required in quarantine. I believe the odds of anyone who fails the test in quarantine having no symptoms are at least 50% and in this case their insurance will be invalid. The policy is not fit for purpose!

(AXA have responded to this claim… AXA will cover for the hospital expense necessarily incurred if an insured person is tested positive for COVID-19 regardless of the showing of symptoms. The claim payment is subject to the insured person satisfying the other terms and conditions of the policy.)

2. Most UK insurers offer travel insurance cover for “Emergency Medical Care”.  As being sent to hospital merely for failing a test is not an emergency, then they do not cover being sent to hospital from ASQ.

3. Some UK insurers invalidate all of the medical cover, as any visitor to Thailand is “awaiting tests for an undiagnosed condition”, because they require RT-PCR tests.”

AXA has further provided this information…

• Meet the 100,000 USD health insurance requirement of application for Certificate of Entry (COE) to Thailand

• Cover 3.5 million THB of medical expense including COVID19 and 1 million THB of Personal Accident, choice of period 30,90,180,270 and up to 365 days

• Coverage starts immediately a‑er clearing immigration in Thailand and include the period of 14-day Alternative

• State Quarantine (ASQ) and Alternative Local State Quarantine (ALSQ)

• No waiting period , no deductible

• Provide insurance certificate including COVID-19


The bottomline on all this is ASK questions, check your insurance coverage and get everything in writing.


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  1. Geoff

    Saturday, November 21, 2020 at 9:06 am

    Travel insurance always was a bit of a nightmare. This Covid has made it worse. If they really want to encourage tourists, why can they not issue a government guaranteed scheme to cover all government Covid requirements and eventualities, local and national?
    My natural cynical nature may provide the answer.

    • Issan John

      Saturday, November 21, 2020 at 12:15 pm

      “They” do, with a government approved insurance scheme, available on line, which has been discussed at some length here including the exclusions (no ICU treatment, and not government hospitals), but apparently the “concerned reader” opted for something else without checking the policy.

      • Patrick

        Sunday, November 22, 2020 at 5:29 pm

        What is your point exactly? The gov supported insurance is useless as not covering ICU and as you could read the sender of this letter DID ASK AXA THAILAND which refuses to pay out for asymptomatic cases which again is rediculous as the single point of this insurance is covid related?

        • Issan John

          Wednesday, November 25, 2020 at 12:59 pm

          Not according to AXA!

          • Tom

            Monday, December 7, 2020 at 12:47 pm

            AXA is Not covering my claim only a portion, leaving me to pay for almost it all.

            104,920 baht.

  2. Keith Brown

    Saturday, November 21, 2020 at 9:09 am

    Thank you very much for your thoughts. I am presently going through the process of obtaining an STV (without any success at this time) and the next task, if I am successful, will be Insurance. I will certainly approach this with more caution now. Or perhaps just give up because the Thai authorities seem to be doing everything possible to make it difficult for long stay tourists to enter Thailand.

  3. Realist

    Saturday, November 21, 2020 at 10:12 am

    I would agree to head the waring in this article’s title. One of the REQUIREMENTS to enter Thailand is to have the $100k health insurance policy which INCLUDES coverage for COVID-19. So seeing that this person was not symptomatic, but did test positive for COVID, then they have the covid and are entitled to the care for COVID-19 coverage under their policy.
    Maybe they got a cheap policy, but I admire their statement and concern for all others who wish to enter Thailand. I will definately do my homework and confirm such a scenario in writing with any potential travel health insurance company should I proceed.
    Thank you for this article and appreciation and understanding goes out to this person

    • Manu

      Saturday, November 21, 2020 at 10:59 am

      Realist… “So seeing that this person was not symptomatic, but did test positive for COVID, then they have the covid and are entitled to the care for COVID-19 coverage under their policy.”…

      Well no, you are tested positive for the virus sars-cov-2, covid-19 is the disease that you can get if you have the virus. Asymptomatics are people who have the virus (if the test is right) but are simply not sick, they do not have the disease covid-19, which is the vast majority of people by the way. So the non-sense is that insurance will pay if you are sick, not if you have the virus, but we are talking about insurances here, natural crooks. And it shows again the non-sense of this “new normal” world: we send people to hospital that are not sick. So if you have the flu (influenza) and not tested positive with sars-cov-2, you may enter in Thailand, spread your flu to a couple of old people with risks of killing them, that’s ok. You may enter in Thailand with HIV, have sex with a couple of women, give them aids, that’s ok. Etc… etc… but sars-cov-2: no no no. The world is simply going mad!!!!

      • J West

        Saturday, November 21, 2020 at 12:41 pm

        Indeed. I have heard about Herpes super-spreaders who pay girls for a no condom experience in order to infect the woman who will in turn spread it to all her future clients. Aren’t govt stats showing that 90% of ladies STD positive?

    • Steven

      Saturday, November 21, 2020 at 7:28 pm

      Not agreed: COVID-19 is an infectious disease caused by the coronavirus.

      When you are positive for the coronavirus, without symptoms, they by the above definition, you don’t have covid!

      • Manu

        Sunday, November 22, 2020 at 10:35 am

        Not agreed with what exactly? Cause I said exactly what you are saying… Apart that there are different coronavirus, and the one causing this world madness is called sars-cov-2, and if you are tested positive for sars-cov-2 but have no symptoms, you do not have the disease covid-19. So I said the same as you but with the right words.

  4. Jesus Monroe

    Saturday, November 21, 2020 at 11:00 am

    Why Bother… us Thailand when your over your hangover and starving…….you’ll reach me in your competitions country….. basking in the sun sipping on a cocktail….

  5. Toby Andrews

    Saturday, November 21, 2020 at 12:07 pm

    Could it be that the person tested positive for covid, was not positive?
    And the Thai testers were working with the hospital to find patients?
    This is Thailand – it could!
    As for Thai insurance not paying. Did anyone seriously think they would?

    • Issan John

      Saturday, November 21, 2020 at 12:30 pm

      So does Cambodia, where you went to after Thailand wouldn’t let you stay, have a better system?

      Amongst other things, don’t they require you to put down US$3,000 cash* on entry that they can dip into as they see fit to cover these expenses?

      … and they’re not likely to falsify the tests “to find patients” so that if only one passenger on a flight tests positive the whole flight are put in government quarantine, which is their policy?

      (*: US$3,000 for tourists, who they’re not currently letting in, and US$2,000 for sponsored business travellers plus a guarantee from the sponsor)

      • Toby Andrews

        Saturday, November 21, 2020 at 2:38 pm

        Same old justification from this Thailand excuser.
        They do it somewhere else so it is ok for Thailand to lie, cheat and scam.
        Have you checked on the Congo. They might rob tourist worse there so it is ok for Thailand to do so. It is like the old woman that is caught shoplifting who says to the judge, everyone in our street shoplifts.
        This person tried to use there compulsory Thai insurance, and they would not pay.
        She is warning others, apart from you, who just will not realise what Thais do as a habit, and that is steal from foreigners, and each other by scamming.
        But one day you will go home and a Thai will have sold your house by forging your signature. Only then will you realise how stupid you are.
        By the way I did not stay in Thailand because I could see what was bars, curfew, no alcohol. no walking on the beach, no flights out, no transit flights, and everything shutting down.
        There has never been any of that in Cambodia . . .

      • Fred glue

        Saturday, November 21, 2020 at 2:48 pm

        Issan John,,,,, I know you mean well & you write good stuff at times, in the last 24-hours you have written in 30 times. I am sure you are on the pay roll at, I am not reading any more of your comments. It’s too much, have a break mate things are getting too you. Have a spell.

        • The Thaiger & The Nation

          Saturday, November 21, 2020 at 3:00 pm

          Be assured Issan John is not on our payroll. He’s just another, if not profuse, contributor.

        • Issan John

          Saturday, November 21, 2020 at 3:18 pm

          30 times in 24 hours?

          You must be as bored as me if you’re counting, and I’ve been bedded down with an injury for a couple of days!

          • Toby Andrews

            Saturday, November 21, 2020 at 3:35 pm

            Pity it is not an injury of your typing fingers

          • Michael

            Friday, November 27, 2020 at 4:11 am

            Issan John even justifies sex with underage children. As long as he can demonstrate that everything is okay in Thailand, he will say anything.

        • Nik

          Saturday, November 21, 2020 at 6:04 pm

          Still flabbergasted that people aren’t sufficiently informed about the PCR tests:
          1. They were never meant for diagnostic purposes (according to its inventor), especially not asymptomatic cases and mass testing.

          2.the Ct (cycle threshold) is crucial for its accuracy. The higher the Ct the more likely it produces false positive cases. Over a Ct of 30 it is of no real value anymore (Germany is doing more than 40 right now!)

          So with 3 tests (before departure, on arrival, after quarantine) your chances are quite good to be tested positive.

          Elon Musk recently stated he was tested 4 times in one day, 2 times positive, 2 times negative.
          In European football every week someone gets a positive result, than get tested until negative.
          What a huge puppet Theater…

      • Patrick Kelly

        Sunday, November 29, 2020 at 1:49 am

        Cambodia ….yet another economy that’s gonna die…. due to waiting for zero COVID rates.

  6. Issan John

    Saturday, November 21, 2020 at 3:14 pm

    Not trying to justify or excuse anything -just asking since you now live there as Thailand wouldn’t extend your visa.

    ….. and, FWIW, there’d be no need for “a Thai” to forge my signature to sell our house, as it’s already in their name and always has been, as was our last house and land, as are our cars and motorbikes, as are and have been my UK and offshore accounts (joint names) and even our dogs.

    Shocking …

    • Toby Andrews

      Saturday, November 21, 2020 at 3:28 pm

      Be warned, the Thais are just biding their time, and then. Bang, it’s payday.
      So far I suppose you are still paying the bills, that is why you are not yet in a backpackers hostel.
      Thailand would extend my visa, but I saw no point in staying.
      I’m glad I made it out in time.

      • Issan John

        Wednesday, November 25, 2020 at 12:55 pm

        “biding their time”?
        For nearly twenty years, so far?
        With a pension (mine started in my 30’s) worth more to them with me dead than alive?

        FWIW, I’m glad you made it out with two days to spare, IIRC, too …

  7. Peter

    Saturday, November 21, 2020 at 7:11 pm

    Anyone travelling to Thailand under the current regulations needs their heads examined.
    Your holiday budget could be spent on a repatriation flight without even having had a holiday.
    The ‘tourists’ coming are people with business or relationship ties that need to get back into the country.
    In other words, desperate.
    This contributor has had the decency to point out these issues.

    • JJ

      Sunday, November 22, 2020 at 9:06 am

      Semi-Commercial flights are very cheap. Terms are also very flexible. Dates and destinations can
      Be changed till end of 2021. In my opinion 2 weeks in quarantine is ok price to pay for longer stay in Thailand.
      Especially if alternative is to stay in eq European countries where restrictions of individual freedom are increasing and increasing.
      Yes ”new normal” is quite byrocratic everywhere with all time changing regulations.
      There is a lot of pitfalls. That is risk to be considered..

      Axa has also built in insurances with reasonable terms on many premium credit cards.
      (Yes these can be used)

  8. Get Busy Living

    Saturday, November 21, 2020 at 11:27 pm

    I went through this with Pacific Cross – no cover for the first 15 days – while in quarantine. I was advised to get a Govt Insurance, cost about B2,000 to cover this period. Seems a no brainer.
    The rest of their cover seems fine.

  9. Ian Matthews

    Sunday, November 22, 2020 at 2:45 am

    My father in law had AXA insurance and at the beginning of this pandemic he fell over in Melbourne and was hospitalised for three days, we could not get in touch with AXA, the office dealing with it were locked down in New York, we just got automated replys, in the end we paid $15,000 to fly him home on the last flight out before lockdown. I have advised everyone since not go near that company.

  10. Ted

    Tuesday, November 24, 2020 at 11:59 am

    A tip for future ASQ’ers:
    If I would’ve called my insurance company and they would have told me that they won’t cover for the expenses, since I am lacking any symptoms, well then then can be sure of that an acute fever and a headache would appear from nowhere. Ridicules!’

    • Tom

      Sunday, November 29, 2020 at 3:22 pm

      I am going through the process with AXA at the moment and waiting to see if they are going to make good on their policy.

  11. Tom

    Monday, December 7, 2020 at 12:44 pm

    AXA is NOT going to cover most of my claim they have lied with that statement that they cover you with no symptoms.

    They said I should have been discharged on the 30th knowing full well if you test positive at the Hotel, it’s a 14 day Quarentine in the Hospital, they are NOT even covering tests or maybe even the 2nd PCR test they wanted done.

    You are on you’re own with AXA insurance.

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