- Max. Annual Coverage Limit
- Pre-Hospitalisation Benefit
- 180 days
- Post-Hospitalisation Benefit
- 365 days
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AXA Singapore offers 10 types of personal insurance ranging from life, health, savings, investment, travel, car, home, helper, and even art. AXA also offers insurance policies for small businesses (SMEs), commercial businesses, and employee benefits. Below, you will find an overview of each type of insurance. If you are a Singaporean citizen or Permanent Resident (PR), first look at Integrated Shield Plans (IPs) to supplement your MediShield Life health insurance provided by Singapore’s Ministry of Health when choosing your first health insurance plan.
AXA Shield is an Integrated Shield Plan (IP) offered by AXA Singapore with 3 types of plans with varying levels of medical and hospital coverage – Plan A, Plan B and Standard.AXA Shield is an Integrated Shield Plan (IP) meant to supplement your MediShield Life health insurance plan provided by Singapore's Ministry of Health. An IP like AXA Shield serves to extend the existing medical and hospitalisation coverage offered by MediShield Life, such as the class of wards that you can be admitted to, higher annual claim limits for certain treatments, and other benefits such as pregnancy complications, benefits for critical illnesses etc. Premiums for IPs such as AXA Shield can be paid by MediSave. If your MediSave is insufficient, you can top up the rest of the payment in cash.
|AXA Shield Plans||Hospital Wards||Annual Coverage Limit|
|AXA Shield Plan A||Standard Room in Private Hospital or Private Medical Institution, and below||S$1,000,000 per policy year|
|AXA Shield Plan B||Public Hospital Ward Class A and below||S$550,000 per policy year|
|AXA Shield Standard Plan||Public Hospital Ward Class B1 and below||S$150,000 per policy year|
What is an IP rider plan? What is a hospital rider? A rider in health insurance basically refers to an add-on plan that you can purchase to supplement your current plan with more benefits, extend and boost your existing healthcare and medical coverage, or to bridge any healthcare gaps that you may have in your existing plan. AXA currently only offers 1 Integrated Shield Plan Rider called the AXA Enhanced Care. Below, the benefits of the AXA Enhanced Care rider:
When you are filing an insurance claim, it basically means that you, the policyholder, is submitting a request to your insurance company to reimburse you for the medical bills you have paid for at the clinic or hospital. What sets a health insurance provider apart from another is the reliability, and convenience of the claims system.
|AXA Shield Benefits||Exclusions|
|Surgical Procedures||While the AXA Shield Plans A and B offers "As Charged" full coverage for surgical procedures, do note that eligible surgeries are limited to those listed in the Ministry of Health's Table 1A to 7C of surgical procedures. Exclusions listed in the above list will also be excluded from your coverage. The AXA Shield Standard Plan does not cover surgical procedures as charged. Any surgical procedures that are already listed and covered by your AXA Shield policy in other categories will not be eligible for this claim either.|
|"As Charged" Full Coverage||Although the AXA Shield Plans may at times offer full "As Charged" coverage for hospitalisation, wards, and certain inpatient and outpatient treatments, do note that you will be required to pay a 10% co-insurance out of pocket in cash, and may be subject to annual deductibles, and pro-ration factors.|
|Choice of Doctor, Clinic, or Hospital||To enjoy a cashless hospitalisation journey, do note that you will need to first attain a Letter of Guarantee (LOG) from AXA, and you will need to seek treatment with one of AXA's Shield panel General Practitioners (GP), specialists, or pre-authorised public and private hospitals.|
|Ward||Deluxe rooms, luxury suites, VIP rooms, and special rooms of any hospitals cannot be fully covered, and will be reimbursed up to standard room charges in that hospital. If you change wards throughout your stay, the deductible you eventually pay will be based on the highest class of ward you've stayed in.|
|Short-Stay Hospitalisations/ Wards||In the event you're warded in a short-stay hospitalisation ward, only your ward, prescriptions, doctor's fees, tests, dressings, blood tests, and any other treatment fees will be reimbursed. There will be no pre- or post-hospitalisation benefits.|
|Outpatient Cancer Treatments||While AXA Shield covers chemotherapy, stereotactic radiotherapy, immunotherapy, radiotherapy, for cancer treatments, certain treatments are not covered – namely, proton beam therapy, and cell, tissue, and gene therapy products.|
AXA Shield is an Integrated Shield Plan (IP) offering up to S$1 million annual coverage with the Plan A, 180 days pre-hospitalisation and 365 days post-hospitalisation coverage for treatments incurred. Other benefits include short-stay hospitalisation treatment, and ward coverage, fixed consultation and follow-up rates at AXA Panel General Practitioners (GPs), specialist, physiotherapy, and dental clinics. The accompanying AXA Enhanced Care rider offers great daily coverage for outpatient accident treatments, benefits for fractures, dislocations, sports injuries, Hand Foot Mouth Disease, dengue, food poisoning, ambulance and taxi charges, and any accommodation charges for your immediate family.