Best AXA Health Insurance Plans Singapore 2020

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AXA Shield coverage

Shield is an integrated shield plan offered by AXA which has a total of 3 types of plans: Plan A, Plan B and Standard. It is a cost-friendly option for those looking for private hospital coverage as it is one of the cheaper private hospital integrated shield plans. It is good value for money with its generous pre and post-hospitalisation coverage.

AXA Shield plan types

	Hospital ward	Annual coverage limit
Plan A	Private hospital	$1,000,000
Plan B	Class A ward	$550,000
Standard	Class B1 ward	$150,000

Why AXA Shield?

Pre and post-hospitalisation coverage

AXA Shield Plan offers great pre and post-hospitalisation coverage at a relatively low cost. With 180 days and 360 days cover for their pre and post-hospitalisation cover respectively, it provides higher than average coverage. For such an extensive coverage for pre and post-hospitalisation, there are not many competitors in the market that can match up to this.

Good value for money

For those looking for a good value plan, AXA Shield Plan A would be the one to look out for with it’s lower than average premiums but higher than average pre and post-hospitalisation coverage. Moreover, despite AXA Shield not being the cheapest option, the cost of AXA rider is below the market average and also provides special benefits such as coverage for Dengue and sports injury treatments.

AXA Integrated Shield Plan riders

AXA offers one rider called Enhanced Care for all three of its plans. It helps to reduce your out-of-pocket costs by covering part of your deductible and co-insurance along with other benefits.

Reduce out-of-pocket cost

With the Enhanced Care rider, it will lower your co-insurance to 5%. Also, when you visit one of AXA’s panel of healthcare providers, the Enhanced Care rider will also limit your deductible to $0. In the event that you visit a hospital not on the panel, your co-insurance will still be reduced to 5% but your deductible will be lowered to $1,500 instead of $0. Overall, you are still able to reduce your total out-of-pocket costs.

Other benefits

The AXA Enhanced Care provides additional benefits such as coverage for planned overseas medical treatment, emergency outpatient treatment, ambulance and taxi charges and companion accommodation. They do also provide coverage for Dengue, Hand Foot Mouth disease treatment, food poisoning and bone fractures.

AXA health insurance claim process

Hospitalisation claims:

Hospitalisation claims are to be e-filed along with any necessary supporting documents. Before you submit your claim, you may be required to pay a portion or your entire hospital bill. After your claim is successful, you will then be refunded by the hospital.

Other medical claims:

Other medical claims include pre and post-hospitalisation and psychiatric. For such claims, you are to submit the necessary documentation along with the original bills. These documents and bills are to be submitted within 90 days of the date the bills are incurred.

Frequently asked questions

Is the AXA Shield payable by medisave?: Yes, like all other integrated shield plans, it is payable by medisave.
Does the premiums of the AXA health insurance increase with age?: Yes, the premiums increase according to the age bracket you fall under. This applies for all the integrated shield plans.
Can I get multiple AXA integrated shield plans to increase my coverage?: No, you are only allowed to have a maximum of one integrated shield plan regardless of which private insurer you are under.
Is the quoted premium an additional amount I have to pay besides my MediShield Life plan?: The premiums for your integrated shield plan is for both your MediShield Life and the private insurer coverage.

Best AXA Health Insurance Plans Singapore 2020

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365 days

AXA Shield

S$5,015

AXA International Exclusive Plan C