Expat Influencer Insurance

08/04/2026

Underwriting Guidance

22/03/2026

PRE-EXISTING condition

Can you get health insurance if you have a pre-existing condition? And will it be covered? 🤔
Let’s clear it up!

A PRE-EXISTING CONDITION, it’s means any illness or health issue you had before applying for health insurance—such as diabetes, high blood pressure, or any chronic disease. These must be disclosed in your application.

Normally, pre-existing conditions are not covered, but there are cases where claims can be approved:

✅ You informed the insurer before buying the policy and the company agreed to provide coverage (case-by-case), or

✅ The condition showed no symptoms, was not diagnosed, not treated, and not consulted with a doctor for 5 years before and 3 years after the policy start date.

If you have any concerns before applying, feel free to consult a Krungthai-AXA Life Insurance agent.

☎️ : 061-6539526
WhatsApp: Manit Mooksaeng

14/02/2026

Valentine’s Day Gifts
Insurance policy
VS
Roses

18/01/2026

I would like to sincerely thank all customers for the trust and opportunity to serve you. 🙏

🎉 Congratulations to everyone who places importance on their health and recognizes life insurance as a key priority in life planning.



☎️ 0616539526
WhatsApp: Manit Mooksaeng

14/12/2025

Thank you sincerely to all valued customers for your trust and confidence the provided services. It is truly and honer to take care of you as your life insurance advisor. Wishing everyone good health, peace of mind, an abundance of happiness always ❤️

05/12/2025

Can you get health insurance if you have a pre-existing condition? And will it be covered? 🤔
Let’s clear it up!

A PRE-EXISTING CONDITION, it’s means any illness or health issue you had before applying for health insurance—such as diabetes, high blood pressure, or any chronic disease. These must be disclosed in your application.

Normally, pre-existing conditions are not covered, but there are cases where claims can be approved:

✅ You informed the insurer before buying the policy and the company agreed to provide coverage (case-by-case), or

✅ The condition showed no symptoms, was not diagnosed, not treated, and not consulted with a doctor for 5 years before and 3 years after the policy start date.

If you have any concerns before applying, feel free to consult a Krungthai-AXA Life Insurance agent.

☎️ : 061-6539526
WhatsApp: Manit Mooksaeng

29/10/2025

EP4: DECLARE
Customer who failure to declare any pre-existing medical condition or relavant history from hospital would be considered as concealing information. Insurance company reserves the right to deny any claims if such information is not disclosed on the date contract inception.

Add info, please ask
Tel: 061 653 9526
WhatsApp: Manit Mooksaeng
Line ID: manitmook

29/10/2025

EP3: TERMINATED or DISCONTINUED Contract.
What could be the reasons?

1. When the insured does not declared her/his pre-existing health condition, insurance company will be;
-Except for coverage or
-Terminated contract or
-Discontunue contract

2. High claims rate for medical expenss as IPD with simple illnesses that can be treated as an OPD, insurance will process;
-Notifications
-Suspend claims credit
-Discontinue contract

More info;
Tel: 061 653 9526
WhatsApp : Manit Mooksaeng
Line ID : manitmook

22/10/2025

EP2: UNDERWRITING GUIDELINES
For cases with medical history, if you have medical history, here are the possible underwriting outcomes;

1. Standard Approval,
if the condition is assesseed and accepted by insurance company OR

2. Approved with extra premium
Higher that standard premium applied OR

3. Approved with exclusion
Policy issued but excludes coverage for pre-existing condition OR

4. Declined or Postpone
For severe or unstable medical condition.

More info;
Tel 061 653 9526
WhatsApp: Manit Mooksaeng
Line ID: manitmook

15/10/2025

EP1: Expat Influencer Insurance with page's admin

13/10/2025

Take a Moment to Read — Understanding the “Waiting Period” in Health Insurance

In today’s world, taking care of your health has become more important than ever. Having health insurance gives us peace of mind when unexpected medical situations arise. However, many people may not be familiar with the term “Waiting Period”, which is an important part of how health insurance works.

So today, let’s explore what the Waiting Period really means — why it exists, why you can’t make a claim right away after purchasing your policy, and when you’ll actually be able to receive benefits from your health insurance. Understanding this will help you make informed decisions and be better prepared when choosing your health coverage.

🩺 What Is the Waiting Period in Health Insurance?

The Waiting Period is the length of time you must wait after your policy becomes effective before you can make a claim for certain medical conditions. This rule exists because some illnesses take time to develop or show symptoms, and not all require immediate treatment once diagnosed.

The purpose is to ensure fairness and accuracy in providing coverage for all policyholders — balancing the company’s risk management and the insured’s rightful benefits.

👉 However, accidents are not subject to any waiting period. You can claim for accident-related treatment immediately once your policy becomes active, since no one can predict when an accident might occur.

⏱ When Does the Waiting Period Begin?

The waiting period starts from the effective date of your first policy. Once your policy renews continuously, the waiting period no longer applies from the second year onward.
But if your policy lapses and you renew it later, the waiting period will start over again — that’s why it’s very important to maintain your policy without interruption to keep your benefits protected.

📋 The Two Main Types of Waiting Periods

1. 30-Day Waiting Period
Applies to general illnesses that are not pre-existing conditions.
(For Krungthai-AXA Life Insurance customers, this does not apply to emergency surgeries unrelated to pre-existing conditions, such as appendicitis surgery.)

2. 120-Day Waiting Period
Applies to specific conditions including:
Tumors, cysts, or any type of cancer
Hemorrhoids
Hernias
Pterygium or cataracts
Tonsil or adenoid removal
Gallstones or kidney stones
Varicose veins in the legs
Endometriosis

💡 What Is a Pre-existing Condition?

A Pre-existing Condition refers to any illness, injury, or health abnormality that existed before the insurance policy started — and that the policyholder was aware of but did not disclose to the insurer.
For example, discovering a lump or having a chronic illness that wasn’t declared could affect coverage eligibility.

However, the company may still provide coverage if:

You declare the condition and the insurer agrees to accept it without exclusion, or

The illness has shown no symptoms or medical consultations within 5 years before the policy started, and no signs for 3 years after it took effect.

Common pre-existing conditions that may not be covered include:

Chronic illnesses or injuries from the past that haven’t fully healed

Undiagnosed symptoms such as recurring pain, bleeding, or lumps

Ongoing treatments or therapies under a doctor’s care

Hidden health abnormalities not yet detected (e.g., a growing tumor)

💬 Why Understanding the Waiting Period Matters

Knowing about the waiting period and keeping your policy active without interruption is key to getting the most out of your health insurance.
Once the waiting period has passed, you’ll have full access to the policy benefits — ensuring you receive the care and protection you deserve at every stage of life.

Because with the right health insurance, you’re not just protecting your health — you’re protecting your peace of mind.

More info ☎️ 061-653 9526
WhatsApp: Manit Mooksaeng

07/09/2025

Worry-FREE surgery.
In-pateint (IPD) pre-approval program by Krungthai-AXA insurances.

Ask more.
Tel 061-6539526