AXA Health Insurance Singapore

AXA Shield's premiums start from S$167 for ages 1 to 18, S$174 for ages 21 to 25, S$221 for ages 26 to 30, S$286 fo ages 31 to 35, S$299 for ages 36 to 40, S$600 for ages 41 to 45, and so on. These prices listed above do not include the MediShield Life premiums. Premiums of the AXA Enhanced Care rider for Plan A ranges from S$300 for ages 19 to 30, S$312 for ages 31 to 35, S$317 for ages 36 to 40, S$322 for ages 41 to 45, S$419 for ages 46 to 50, and so on.

AXA Shield Plan A offers you the option of seeking treatment in a standard ward in private hospitals, and offers full "As Charged" coverage for your daily ward, treatment, ICU, short-stay ward, community hospital stays. Other benefits include S$5,000 for inpatient psychiatric treatments, full coverage for MediSave-approved surgeries (as listed in Tables 1A to 7C), inpatient major organ transplant, outpatient chemotherapy, kidney dialysis, and more.

As of April 2019, all insurance companies in Singapore had to phase out any 100% cashless hospital check-out riders in a bid to curtail medical expenditure in Singapore. Therefore, AXA Shield's previous 3 riders, AXA Basic Care, AXA General Care, and AXA Home Care have been phased out and replaced by the current AXA Enhanced Care which incorporates the mandatory co-insurance component (a minimum of 5% portion of the bill that you have to foot).

AXA Shield is AXA's flagship Integrated Shield Plan (IP) meant to supplement your MediShield Life health insurance plan provided by Singapore's Ministry of Health if you are a Singaporean or Permanent Resident (PR). An IP serves to extend the existing medical and hospitalisation coverage offered by MediShield, such as the class of wards that you can be admitted, and higher annual claim limits for certain treatments, surgeries, chemotherapy, or transplants. Some IPs may also offer rider plans to lower you co-insurance (a mandatory portion you must legally pay) to the minimum 5% as mandated by the government. There are 3 types of AXA Shield plans with incremental coverage – Plan A for wards and treatments in standard rooms of private hospitals and below, Plan B for class A ward in public hospitals and below, and Standard Plan for class B1 ward in public hospitals and below.

AXA Health Cash Plan is a daily income replacement plan which pays you a guaranteed daily cash benefit for every day you are hospitalised (up to 730 days per medical condition) in both local and overseas hospitals, a one-time payout upon discharge. The daily income replacement you receive depends on the plan you've signed up for – Plan 1 offers up to S$400 per day for daily hospital income and Intensive Care Unit (ICU) admission, and S$200 for daily recuperation. Plan 2 offers up to S$300 for hospitalisation and ICU, and S$150 for recuperation. Plan 3 offers up to S$200 for hospitalisation and ICU, and S$100 for recuperation.

AXA's SmartCare Executive comes in 6 plans – Plans A, B, and C, for private hospital treatments coverage, and Plans D, E, and F for public hospital coverage for you and your family members. The plan is customisable to meet your needs, offering coverage for surgical implants, major organ transplant, daily recovery income benefit, outpatient kidney dialysis of up to S$20,000 per year, 30% discount for co-payments and deductibles, and cashless hospital admission.

The AXA SmartCare Optimum Enhanced is a comprehensive hospitalisation, general practitioner (GP), and specialist health insurance plan, offering coverage up to S$1 million per year for GP or specialist consultations, Accident and Emergency (A&E) treatments, diagnostic and medical tests, major organ transplants, and an optional dental rider.

An overseas international health insurance plan offering up to S$4.5 million in comprehensive coverage around the globe for general and specialist consultations, living organ transplants, pregnancy routine pre-natal care, childbirth, and post-natal up to 42 days post-birth. Other benefits include pre-existing conditions, congenital conditions, and cashless hospital admission.

A local and overseas (excludes the US) health insurance plan for 65-year-olds and below, with an annual limit of up to S$6 million, offering coverage for reimbursement of hospitalisation, pre- and post-hospitalisation treatments, outpatient, hospice, palliative, maternity, pre- and post-natal complication, vaccinations, dental, opticals, health screenings, alternative treatments like Traditional Chinese Medicine (TCM), homeopathy, and pre-existing conditions.

AXA Mum's Advantage is a two-part health insurance plan for expectant mothers aged 18 to 45 years, between 16 and 36 weeks into pregnancy. The plan is made up of the AXA Mum's Care and the regular savings investment plan, AXA Flexi Protection. Benefits of the Mum's Advantage include hospitalisation coverage, 18 congenital illness coverage, and savings for your child. Mother's death benefit coverage offered up to S$5,000, pregnancy complications up to S$5,000, and congenital illness of the newborn up to S$5,000.

A termed (3-year-long) health insurance plan for expectant mothers aged 18 to 45, between 16 to 36 weeks into pregnancy, offering coverage for medical treatments in the event of 10 pregnancy complications, daily hospitalisation up to S$100 per day for mother and S$100 per day for the child, and 18 newborn congenital illnesses. Mother's death benefit coverage offered up to S$5,000, pregnancy complications up to S$5,000, and congenital illness of the newborn up to S$5,000.

AXA's Wanderlust Travel Insurance offers you coverage of up to S$300,000 in medical expenses while you're still overseas on your trip and S$10,000 post-trip when you're back home. Other benefits include a 24-hour emergency hotline, up to S$6,000 reimbursement for trip cancellation or curtailment, natural disaster benefit, and adventurous activities coverage.

AXA's SmartDrive car insurance plan offers comprehensive coverage including third-party coverage, repair works at either an AXA Premium workshop or one of your choice, loss, damage, fire, theft, and up to S$500 in towing services.

If you are a homeowner, landlord, or tenant, the AXA SmartHome Home Insurance offers up to S$3 million in coverage for your home's building structure, standard fixtures, and fittings, including any loss or damage to home improvements, S$15,000 in any loss or rent, S$500,000 in wear and tear, and 24-hour emergency assistance hotline.

The AXA SmartHelper Help insurance provides you with up to S$20,000 coverage for your helper's hospitalisation, inpatient, and day surgery bills, S$3,000 for critical illness, S$5,000 for third-party liabilities, and the full cost of repatriation in the event of permanent disablement or death.

AXA offers 12 term life, whole life, and critical illness insurance plans – 2 of which can be directly purchased online by you, bypassing any agents. The AXA Direct Life Lite, for instance, offers you coverage between S$50,000 and S$200,000 for terminal illnesses and death up to age 99. The AXA Direct Term Lite, on the other hand, offers you a 5-year or 20-year policy term, or up to age 65 in coverage against death and terminal illnesses for a sum assured between S$50,000 and S$400,000.

There are 8 types of AXA savings and investment insurance plans, spanning endowment, education, retirement, and investments. The AXA Early Saver Plus, for instance, is a flexible endowment plan you can customise to your meet your child's life milestones and their financial requirements such as university tuition fees or marriage.

AXA offers 8 types of health insurance plans, including the AXA Shield, Health Cash Plan, SmartCare Executive, SmartCare Optimum Enhanced, International Exclusive, Global Care Health Plan, Mum's Advantage, and Family's Advantage.

AXA's SmartPA Protect Plus personal accident insurance plan offers you reimbursement of outpatient medical bills, coverage for hospitalisation, and even overseas hospitalisation at pre-authorised hospitals. Other benefits include home recuperation visits by doctors or nurses in the event you are immobile, home or vehicle modifications in the event of disability, overseas death benefit, free child coverage, and family discount.

AXA offers 6 types of art insurance plans ranging from the AXA ArtPlus for worldwide transit and storage coverage, the AXA Personal Collectibles All Risks Policy, AXA Corporate Collectibles All Risks Policy, AXA Art Dealer All Risks Policy, AXA Art Exhibition and Transit All Risks Policy, and the AXA Museum All Risks Policy.

For elite, wealth, and luxury customers looking for customisable insurance plans, the AXA Imperial Collection allows you to customise your own legacy, wealth, international medical, art, yacht, and performance cars insurance policies.

Designed for Small and Medium Enterprises (SMEs), the AXA SmartCare SME covers your employees and their families for hospitalisation, surgeries, outpatient treatments, loss of income due to disability, critical illness, or death, as well as dental and optics. The AXA SmartPlan offers your business coverage for your properties, work injuries, business interruption, and any business liabilities.

If you are a business owner or a Human Resource Officer looking to improve your employees' healthcare and benefits, AXA offers the BetterMe customisable health and mental health plan, inpatient SmartCare SME Plus, and the Group International Exclusive plan.

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