AXA Health Insurance covers your and your family’s medical expenses in times of emergency. Here are some of the plans offered by the insurance service provider.
AXA Health Insurance Plans
|Health Insurance Plan||Coverage Provided For||Events Covered||Annual Limit||Lifetime Limit||Room and Board Rate|
|SmartCare Optimum||Self. Can be extended for family with additional premium.||Hospitalisation due to accident or sickness; outpatient medical expenses for accident treatments within 60 days.||Plan 1: RM500,000. Plan 2: RM200,000. Plan 3: RM100,000. Plan 4: RM50,000.||Unlimited till age 100.||Plan 1: RM500. Plan 2: RM350. Plan 3: RM180. Plan 4: RM100.|
|SmartCare Optimum Plus||Self. Can be extended for family with additional premium.||Hospitalisation due to accident or sickness; outpatient kidney dialysis and cancer treatment; post-hospitalisation care and physiotherapy treatment for up to 90 days.||Plan 1: Up to RM2.1 million. Plan 2: Up to RM1.5 million. Plan 3: Up to RM1.1 million.||Unlimited till age 100.||Plan 1: RM500 (Basic Suite). Plan 2: RM350 (Standard Single Bed). Plan 3: RM180 (Double Bed).|
|HOPE Medic 2||Self.||In-patient and daycare surgical procedure; outpatient treatment including kidney dialysis and cancer treatment; accidental death benefit||Platinum: RM500,000. Gold: RM200,000. Silver: RM100,000. Bronze: RM50,000.||Unlimited till age 81.||Platinum: RM500. Gold: RM300. Silver: RM150. Bronze: RM100.|
|HOPE Medic 2+||Self.||In-patient and daycare surgical procedure; outpatient treatment including kidney dialysis and cancer treatment.||Platinum: RM500,000. Gold: RM200,000. Silver: RM100,000.||Up to age 81.||Platinum: RM500. Gold: RM300. Silver: RM150.|
|HOPE Medic Xtra||Self.||In-patient and daycare surgical procedure; outpatient treatment including physiotherapy; no claim bonus.||Subject to Overall Annual Limit of the Plan as stated in the details of HOPE Medic 2 and HOPE Medic 2+||Unlimited up to age 100.||RM100.|
|InternationalExclusive||Self and family, with additional premium.||Inpatient and outpatient expenses due to illness or accident; health screening, pregnancy and delivery benefits; routine dental optical care; and more.||Plan 1: RM9 million. Plan 2: RM7 million. Plan 3: RM3 million. Plan 4 (in-patient plan): RM3 million.||Up to age 80.||Standard single room.|
|AXA eMedic||Self.||In-patient & Daycare Surgical Procedure; outpatient treatment.||Plan 100: RM100,000. Plan 50: RM50,000. Plan 20: RM20,000. Deductible limit for hospital admission (Hospital plan only): RM1,000.||Renewable up to age 80.||RM250.|
|AXA 200 CancerCare||Self.||Therapy Care and Get Well benefits for early and advanced stages of cancer; bereavement benefits.||Starter Plan: RM60,000. Advanced Plan:RM100,000. Full Coverage Plan: RM140,000.||-||-|
|360 CancerCare||Self and family.||Therapy Care and Get Well benefits; Living Income Benefit; Alternative Treatment Benefit; and planning for a Second Medical Opinion, if required. Applicable for both early and advanced stages of cancer.||Therapy Care Benefit: Up to 100% sum insured. Get Well Benefit: Up to 125% of the sum insured over 5 annual instalments. Living Income Benefit: 100% payout in 5 annual instalments for the family. Alternative Treatment Benefit: 1% of the sum insured in 5 annual instalments.||Up to age 85.||-|
|110 Critical Illness (CI) Care||Self and family.||Coverage of up to 110 illnesses; additional 100% payout for cancer-related critical illnesses; second medical opinion and psychological illnesses; no waiting period between claims.||Up to 100% of the 110 CI Care sum insured.||Up to age 80 for Traditional Plan. Up to age 85 for Investment-linked Plan.||-|
|SmartCancer Cash||Self.||Instant cash support for generic and gender-specific cancer, including cancer in the early stages.||Plan 1: RM125,000. Plan 2: 100,000. Plan 3: RM75,000. Plan 4: RM50,000.||UP to age 100.||-|
AXA Health Insurance Highlights
|Lifetime Limit||Unlimited till 100 years.|
|Annual Limit||Up to RM9 million.|
|Daily Cash Limit||RM100 for 180 days.|
Features and Benefits of AXA Health Insurance
- Get up to 360% pay out for cancer treatment.
- Enjoy tax deductions depending on the plans you choose.
- Get deductible options on the AXA Health Insurance Plans.
- Tailor-made insurance for cancer treatments and for young people.
- Unlimited number of days per year on hospital cover.
- Get daily cash allowance applicable depending on the plans.
- International coverage under the InternationalExclusive Plan.
- Access to a wide range of hospitals within Malaysia and worldwide.
- Cashless hospitalisation for empanelled hospitals.
- Bereavement benefits for the family when the insured passes away.
- Get up to 100% payout on some illnesses.
How to Claim
|200 CancerCare, 110 Critical Illness (CI) Care||
|Health Insurance Plan||Age Criterion|
|SmartCare Optimum||Persons between 15 and 65 years of age.|
|SmartCare Optimum Plus|
|HOPE Medic 2|
|HOPE Medic 2+|
|HOPE Medic Xtra|
|110 Critical Illness (CI) Care- Investment-linked plan|
|110 Critical Illness (CI) Care- Traditional plan||Persons between 15 and 60 years of age.|
|InternationalExclusive||Persons between 21 and 80 years of age.|
|AXA eMedic||Persons between 15 and 39 years of age.|
|SmartCancer Cash||Persons between 20 and 59 years of age.|
Documents Required for Claim
The following documents are required for making claims.
- Filled-out claim form.
- Itemised bills.
- Relevant claim documents.
|Contact Address||AXA Affin General Insurance Berhad (23820-W) Customer Service Centre Ground Floor, Wisma Boustead, 71 Jalan Raja Chulan, 50200 Kuala Lumpur. Tel : (603) 2170 8282 Fax : (603) 2031 7282|
|Customer Servicefirstname.lastname@example.org Operating Hours: Mon to Fri: 8.30am to 5.30pm (Excluding public holidays)|
|Claims Hotline||(+603) 2170 8282 (Press 2 for Claims) Email: email@example.com|
AXA Health Insurance provides a number of pre and post-hospitalisation support to the insured. It also offers a number of policies for cancer-related ailments as well. These policies can be extended to the family members in case of support after death of the insured. With the policies, you can also get support even if you are located outside Malaysia. Compare AXA health insurance policy with other policies and buy the one that suits your requirement.
Q. Can I make multiple claims on medical expenses?
A. No. You cannot make multiple claims for the same medical expense under panel or non-panel hospitals.
Q. Is the premium for the AXA eMedic cheaper for the deductible plan?
A. Yes. The deductible plan is cheaper since you shall be bearing some of the expenses yourself.
Q. How long is the coverage of the 200 CancerCare plan and how are the different benefits distributed?
A. The coverage for the plan is for 20 years. With the diagnosis of Early Stage Cancer or Advanced Stage Cancer, Therapy Care and Get Well Benefits are provided to the insured. AXA Care Benefit is also offered as a value-added benefit. Bereavement Benefit is offered in the incidence of death of the patient before the detection of cancer.
Q. How do I apply for the 360 CancerCare?
A. Since it is a rider, it has to be linked to one of the investment-linked basic plans of AXA. You can contact your agent or the helpline for more details.
Q. How long is the cooling-off period under the AXA policies?
A. You can cancel the policy after it has been issued. There is a cooling-off period of 15 days from the date of issue, given that no claims were made during this period. Premium of the policy shall be repaid after expenses have been deducted, as applicable.
Q. What are the countries not covered under the InternationalExclusive Plan?
A. The policy has different areas of coverage. These are as follows:
- Worldwide—Includes all countries.
- Worldwide—All countries excluding USA and US Minor Outlying Islands.
- Asia—Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Vietnam.
Q. What are the services covered under the Health at Hand facility?
A. The following facilities are provided under Health at Hand Clinics.
- Family Clinic—babies, toddlers, teenage trouble, pregnancy or retirement.
- Care and Counselling Clinic—stress, addiction, depression or bereavement.
- Pills and Prescriptions Clinic—medicines, side effects and pain relief.
- Travel Clinic—inoculations, taking children abroad and medical advice by country.
- Healthy Living Clinic—exercise, diet, drinking, smoking and cholesterol control.
- Men’s Health Clinic—prostate issues, testicular cancer, impotence and fertility.
- Women’s Health Clinic—fertility, screenings, menopause and osteoporosis.