SmartCare Optimum (Individual and Family)


SmartCare Optimum Enhanced offers you a wide range of benefits to cover all your everyday healthcare needs. The 3 surprisingly affordable plans provide comprehensive hospitalisation, GP and SP cover as standard and even include the option to add on dental and travel inconvenience protection to cover all eventualities. Now you can rest assured that you will be protected against ever increasing medical costs, allowing you to focus on the more important things in life.

High Inpatient Benefit Limit & No Surgical Percentage for Surgeon Fee: Provides high coverage up to S$1 million a year and reimburses in full for eligible medical expenses up to the policy annual limit.
Stable Portfolio Pricing: No capping on your medical condition or additional premium loading upon renewal.
Outpatient General Practitioner (GP) & Specialists Cover (SP): GP and SP consultations are now covered as part of the core plan. you no longer need to purchase additional coverage to protect yourself against outpatient costs.
Dental Rider: Enhance your coverage and protect your smile by opting for the new dental rider.
Travel Inconvenience Rider: Compliments and enhances your existing overseas benefits that are already built in to your plan.
Terms & Conditions
ENTRY AGE: 18 years old (Age Next Birthday).
MAXIMUM RENEWABLE AGE: 80 years old (Age Next Birthday).
GUARANTEED RENEWABLE: No. This plan is Yearly Renewable.
MAXIMUM ENTRY AGE: 65 years old (Age Next Birthday).
CURRENCY: Singapore Dollar.
EXCLUSIONS: You are advised to read the policy contract for the full list of exclusions.

Important Notice

This insurance plan is underwritten by AXA Insurance Singapore Pte Ltd. The information featured in this website is published for general information only and is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. A product summary for the insurance plan is available and may be obtained from AXA Insurance Singapore Pte Ltd and the participating distributors’ offices. You should read the product summary before deciding whether to purchase the plan. You may wish to seek advice from a qualified adviser before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the plan in question is suitable for you.

The insurance plans featured in this website may be protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for such policies are automatic and no further action is required from you should you buy the plan. 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 or visit the LIA, GIA or SDIC websites (, or for a copy of the SDIC Guide on PPF Scheme.

Sanction Clause

Under no circumstances shall this insurance contract be deemed to provide cover and no liability be incurred to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose AXA to any sanction, prohibition, or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, UK, USA or Singapore.