PROTECTION
i can’t be certain
when it will happen
but i can be sure of
my family’s well-being
•Claim up to 5 times Critical Illnesses1
•Peace of mind for you and your loved ones
HealthPro
cancer claimed
5,046 lives in 2008,
heart diseases
claimed 3,461 more
Source: Principal causes of death, Ministry of Health
As we age, the likelihood of us adding to the statistics
increases. And with the rising costs of healthcare, the need
to protect ourselves financially in the event of a Critical
Illness has become an essential part of our financial
planning strategy.
AXA’s HealthPro Multiple Benefit is a Supplementary Benefit
uniquely designed to complement the HealthPro whole-life
basic plans. This Benefit covers an additional 4 times of
Critical Illness claims with each claim amounting to 100%
of the Benefit’s Sum Assured, giving you the protection
you need in the face of Critical Illness. Added to the right
HealthPro whole-life basic plan that suits your present
lifestyle needs, your future can indeed look worry-free.
the mechanics of
Healthpro Multiple Benefit
Claim up to 5 times
AXA’s HealthPro Multiple Benefit together with HealthPro
whole-life basic plan is a unique solution offering
comprehensive protection for Critical Illness that allows up
to 5 Critical Illness claims.
Unlike traditional Critical Illness coverage which ends when
you make the first claim, AXA’s HealthPro whole-life basic
plan with HealthPro Multiple Benefit will pay out up to
5 Critical Illness claims1. This unique feature ensures that
your finances are protected not once, but 5 times from any
Critical Illness occurrence2. This way, you are protected from
financial loss due to treatment expenses (refer to the List of
Critical Illnesses covered under HealthPro).
Multiple Cancer claims
Cancer is one of the top killers in Singapore; it is also
common for cancer cells to spread to different parts of the
body or even to recur. AXA understands this concern and
with the HealthPro Multiple Benefit, we provide for up to
3 cancer claims, including the first Cancer claim under the
HealthPro whole-life basic plan. This is to ensure that you
are adequately protected against the financial burden of the
dreaded disease.
No future premiums required
after the first claim
Upon your first Critical Illness, Total and Permanent
Disability or Terminal Illness claim under the HealthPro
whole-life basic plan, we will waive the future HealthPro
Multiple Benefit premiums. This means that you will get to
free up some financial commitment from the future premium
payment and yet still remained covered by the HealthPro
Multiple Benefit.
Additional Death Benefit
Although AXA’s HealthPro Multiple Benefit essentially covers
Critical Illness, this Benefit also pay an additional death
benefit of S$5,000 in the event of the Life Assured’s death.
This added extra may help alleviate the immediate financial
burden placed on your loved ones.
choose coverage
that suits your lifestyle
AXA’s HealthPro Multiple Benefit is designed to provide
additional Critical Illness cover while being attached to
any of the 2 HealthPro whole-life basic plans featured
below. Simply choose the one that best suits your financial
planning needs.
Which HealthPro whole-life basic
plan is for you?
Having sufficient insurance coverage during your
productive years is your greater priority so you can
support your dependants should you no longer be
able to provide them with an income. Built into a
limited pay plan with lifetime coverage which provides
higher protection during your productive years, you
have all your bases covered.
HealthPro Living is the plan for you.
You require some additional protection to
complement your existing coverage, but at the same
time you wish to build your nest egg to help you grow
your stash of gold.
HealthPro Growth is the plan for you.
HealthPro Living
A Lifetime5 of Security
You understand the importance of securing comprehensive
insurance coverage so you can protect your dependants
should you no longer be able to provide an income. On
the other hand, you are looking for a plan that will
offer lifetime protection without a long-term premium
payment commitment.
With AXA’s HealthPro Living, you will get
just that and more. HealthPro Living is
not only an insurance plan offering
you higher protection during your
working lifespan, it also gives you
financial security with increasing
guaranteed cash values and
bonus accumulation.
protection that lasts a lifetime
HealthPro Living offers you valuable protection against
Death, Total and Permanent Disability (before age 65),
Terminal Illness, Critical Illness and Minor Illnesses for the
rest of your life. This way, should anything happen to you,
you can still provide for your loved ones.
Pay for the short term,
be covered for a lifetime
Choose from a range of premium payment terms of 15,
20 or 25 years to suit your personal financial plans. With
shorter premium payment terms, you can free up your
finances earlier for other financial goals.
Enjoy 135% payout
While HealthPro Living gives you protection for the whole
of your life, should Death, Total and Permanent Disability,
Terminal Illness or Critical Illness occurs on or before age
65, you will receive 135% of the Sum Assured, plus any
accumulated bonuses. This extra sum will help relieve any
additional medical or living expenses in life. After age 65,
the coverage reverts back to 100% of the Sum Assured,
plus any accumulated bonuses, offering you protection till
age 99.
Claim up to 2 Minor Illnesses
HealthPro Living gives you a sense of financial security
at the onset of a Minor Illness. The Minor Illness claim is
an advance payment which you could use to pay for your
medical costs or to settle your financial commitments.
What’s more, you can claim not just once, but twice from
different group of Minor Illnesses (refer to List of Minor
Illnesses covered under HealthPro whole-life basic plans).
Up to 20% payout for Minor Illnesses
HealthPro Living will pay out up to 20% of the Sum Assured
upon any diagnosis of the covered Minor Illnesses such as
Early Stage Cancer of Prostrate and Carcinoma-in-situ of
Breast and Juvenile Illnesses like severe asthma, without
the policy terminating. The protection from your HealthPro
whole-life basic plan continues for the rest of your life even
after 2 Minor Illness claims.
Add unrivalled Critical Illness cover
By adding AXA’s HealthPro Multiple Benefit, you’ll gain
comprehensive Critical Illness cover for which you can claim
up to 4 times in addition to your basic plan.
Save while protecting what matters to you
While the main focus of HealthPro Living is to provide you
with better lifetime protection, it also gives you a nonguaranteed annual bonus from the end of the first policy
year onwards. The accumulated bonus adds on to your
coverage, even after premium payments have ended.
Illustrative Example3
Alvin, a 30-year-old sales manager and a non-smoker, takes
out HealthPro Living with the HealthPro Multiple Benefit
for the protection it offers his young family in the event of
his Death, Total and Permanent Disability, Critical Illness,
Terminal Illness and Minor Illness.
Premium Payment Term4: 20 years at S$264 a month
Sum Assured for HealthPro Living: S$100,000
Sum Assured for HealthPro Multiple Benefit: S$100,000
Claim 1 (HealthPro Living)
Heart Attack Claim at 45 years old
135% of Sum Assured + Accumulated Bonus – Minor Illnesses (if any)
= 135% X S$100,000 + S$24,252 – S$0
= S$159,252
Alvin survives and recovers from the Heart Attack. The
basic HealthPro Living plan will terminate and the future
premiums for HealthPro Multiple Benefit will be waived
while Alvin continues to be covered by the HealthPro
Multiple Benefit.
Claim 2 (HealthPro Multiple Benefit)
Colon Cancer at age 65
100% of HealthPro Multiple Benefit Sum Assured = S$100,000
The total payout on Alvin’s policy is S$259,252 and his
HealthPro Multiple Benefit continues to protect him for
up to 3 additional Critical Illness claims until he is
85 years old.
HealthPro Growth
Grow Your Money, Not Your Worry
You know the importance of providing enough cover to
protect you and your loved ones should the unforeseen
happen. However, you know the money you pay monthly
can work a little harder to grow your savings over a
shorter time frame.
With AXA’s HealthPro Growth, you can gain from
the policy’s cash values to build your nest
egg and still benefit from comprehensive
life cover.
pay for the short term,
be covered for a lifetime5
The focus of HealthPro Growth is to give you insurance
protection but it also provides cash value accumulation
with a choice of shorter premium payment options. You can
choose to pay for as short as 10 years or opt for a 15, 20,
or 25-year term.
savings with added
protection for life
From the end of the first policy year onwards, you will
receive a non-guaranteed annual bonus. This annual
bonus is kept within your basic plan, continues even after
your payment term ends, and goes on for as long as your
coverage remains.
In addition to providing you with cash value accumulation,
HealthPro Growth offers you valuable protection against
Death, Total and Permanent Disability (before age 65),
Terminal Illness, Critical Illness and Minor Illnesses for the
rest of your life. In this way, should anything happen to you,
you can still provide for your loved ones.
Claim up to 2 Minor Illnesses
HealthPro Growth gives you a sense of financial security
at the onset of a Minor Illness. The Minor Illness claim is
an advance payment which you could use to pay for your
medical costs or to settle your financial commitments.
In addition, you can claim not just once, but twice from
different groups of Minor Illnesses (refer to the List of Minor
Illnesses covered under HealthPro whole-life basic plans).
Up to 20% payout for Minor Illnesses
HealthPro Growth will pay out up to 20% of the Sum Assured
upon any diagnosis of the covered Minor Illnesses such as
Early Stage Cancer of Prostrate and Carcinoma-in-situ of
Breast and Juvenile Illnesses like severe asthma, without
the policy terminating. The protection from your HealthPro
whole-life basic plan continues for the rest of your life even
after 2 Minor IIllness claims.
Add unrivalled Critical Illness cover
By adding AXA’s HealthPro Multiple Benefit, you will gain
comprehensive Critical Illness cover for which you can claim
up to 4 times of Critical Illness Benefit in addition to your
basic plan.
Illustrative Example3
May, a 40-year-old mother and a non-smoker, takes out
HealthPro Growth to harness the policy’s accumulated cash
value and to supplement her existing protection plans.
Premium Payment Term: 10 years at S$278 a month
Sum Assured: S$50,000
Age
Protection
(Sum Assured +
Accumulated Bonus)
Savings
(Accmulated Cash
Value)
50
S$59,855
S$18,971
60
S$75,053
S$34,628
70
S$89,858
S$55,902
Therefore, at 70 years old, May would have an accumulated
cash value of S$55,902 while being covered against Death,
Terminal Illness and Critical Illness for S$89,858.
To find out more,
visit www.axa.com.sg
or speak to your personal adviser.
List of Critical Illnesses covered under HealthPro
Group 1 - Cancer
• Cancer
Group 2 - Illnesses related to Organ Failure
• Coma
• Major Organ / Bone Marrow
Transplantation
• Renal / Kidney Failure
• Chronic Lung Disease
•
•
•
•
Chronic Liver Disease
Fulminant Viral Hepatitis
Aplastic Anaemia
HIV Due to Blood Transfusion &
Occupationally Acquired HIV
Group 3 - Illnesses related to Heart and Blood Vessels
• Heart Attack
• Coronary Artery Disease
Requiring Surgery
• Open Heart Surgery
(Excluding Bypass Grafting)
• Surgery to the Aorta
• Pulmonary Arterial Hypertension
Group 4 - Illnesses related to the Nervous System
•
•
•
•
•
•
•
Stroke
Paralysis (Loss of Use of Limbs)
Blindness (Loss of Sight)
Deafness (Loss of Hearing)
Alzheimer’s Disease
Parkinson’s Disease
Multiple Sclerosis
•
•
•
•
•
•
Muscular Dystrophy
Motor Neurone Disease
Major Head Trauma
Benign Brain Tumour
Encephalitis
Bacterial Meningitis
Group 5 - Other Critical Illnesses
• Loss of Speech
• Major Burns
List of Minor Illnesses covered under HealthPro whole-life basic plans
Group A (Applicable to age 18 or above)
• Angioplasty and Other Invasive Treatments for Coronary Artery
Group B (Applicable to age 18 or above)
• Carcinoma-in-situ of Breast, Cervix Uteri, Uterus, Ovary, Fallopian Tube, Vagina,
Testicles and Early Stage Cancer of Prostate
Group C (Applicable to age 0 to 26)
• Insulin Dependent Diabetes Mellitus, Kawasaki Disease, Rheumatic Fever with
Valvular Impairment, Severe Juvenile Rheumatoid Arthritis, Severe Asthma
-- The benefit payable under Group A is 10% of Sum Assured, up to a
maximum benefit of S$25,000 per Life Assured.
-- The benefit payable under Group B or C is 20% of Sum Assured,
up to a maximum benefit of S$50,000 per Life Assured, for each Group.
Take no chances; Critical Illness can strike at any moment.
Get comprehensive coverage for multiple Critical Illnesses
added to a limited-payment HealthPro whole-life basic plan
that offers cash value accumulation at the same time.
Sign up for a HealthPro whole-life basic plan today and
add on HealthPro Multiple Benefit for unrivalled Critical
Illness protection.
Important Information:
1. The first Critical Illness claim is made against the HealthPro whole-life basic plan. The subsequent 4 Critical Illness claims are claimable against the HealthPro Multiple Benefit and 100% of the Rider Sum Assured will be paid for each Critical Illness claim.
2. HealthPro Multiple Benefit allows up to a total of 4 Critical Illness claims from different Critical Illness Groups, with the exception of Group 1 – Cancer which allows up to 3 Cancer claims. Cancer is subject to a 5-year Cancer-free waiting period.
3. Illustrations are based on a projection value of 4.75% per annum investment rate of return. Premiums stated are rounded up to the
nearest dollar.
4. The HealthPro Multiple Benefit’s premiums are not guaranteed and continues to be payable until age 85.
5. HealthPro whole-life basic plans offer coverage till age 99.
The total Sum Assured for HealthPro Multiple Benefit is subject to a maximum
limit of S$500,000 per Life Assured for all HealthPro Multiple Benefit issued
by AXA Insurance Pte Ltd.
The total Critical Illness payout amount is subject to a maximum limit of S$1
million per Life Assured for all Critical Illness benefits under all policies issued
by AXA Insurance Pte Ltd.
The claim payout is subject to the conditions and definitions of Critical
Illnesses and Minor Illnesses as stated in the policy contract.
This brochure is not a contract of insurance. The precise terms and conditions
of the plan are specified in the policy contract. A product summary is available
and may be obtained from AXA Insurance Pte Ltd and the participating
distributors’ offices. You should read the product summary before deciding
whether to purchase the policy.
The above is for your information only and does not have any regard to your
specific investment objectives, financial situation and any of your particular
needs. You may wish to seek advice from an adviser before making a
commitment to purchase the product. In the event that you choose not to seek
advice from an adviser, you should consider whether the product in question
is suitable for you.
Buying a life insurance policy can be a long-term commitment. An early
termination of the policy usually involves high costs and the surrender value
payable may be less than the total premiums paid.
For more information, contact your adviser or call us at 1800 880 4888.
Alternatively, you can e-mail us at [email protected] or visit our website at
www.axa.com.sg.
The insurance policy featured in this brochure is protected under the Policy
Owners’ Protection Scheme which is administered by the Singapore Deposit
Insurance Corporation (SDIC). Coverage for your policy is automatic and
no further action is required from you should you buy the policy. For more
information on the types of benefits that are covered under the Policy Owners’
Protection Scheme as well as the limits of coverage, where applicable, please
visit the AXA website at www.axa.com.sg or visit the LIA or SDIC websites
(www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF
Scheme (Life Insurance).
speak to your adviser
[email protected]
01/2017
1800 880 4888
AXA Insurance Pte Ltd
(Company Registration No. 199903512M)
8 Shenton Way #24-01 AXA Tower Singapore 068811
AXA Customer Centre #B1-01 Tel: 6880 4888 Fax: 6880 5501