Insured United Agency
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AXA SmartCare SME (Group Employee Benefits)

AXA SmartCare SME (Group Employee Benefits)

SMARTCARE SME gives you a tailored package to protect the health and well-being of your employees. With a comprehensive and hassle-free solution that is customised to your company size and budget, it has never been easier to take care of the team who keep your business strong


  • Start your package with just one employee: Allows you to start your policy with just 1 employee* in the first year
  • Customisable plans: Build a simple plan to fit your company’s needs and budget, with a range of Group Hospital and Surgical options.
  • Range of riders Enhance the health protection with 6 riders to choose from: Group Extended Major Medical • Group Outpatient General Practitioner • Group Outpatient Specialist Care • Group Dental • Group Personal Accident
  • Pre-existing conditions for inpatient plans: Give your employees the peace of mind that their pre-existing medical conditions** are covered after a waiting period of just 12 months.
  • Portfolio Underwriting: Premium rates are determined by the entire SmartCare SME portfolio. Claims made by your company alone will not directly increase your renewal premium.
  • Group Discount for Medical Plans: Bigger groups enjoy a bigger discount on premium.

Terms & Conditions

  • Your employee and your employee’s legal spouse are from Age 16 years to 70 years old and who is a Resident of Singapore
  • Your employee’s natural child, step-child or legally adopted child, who is a Resident of Singapore, unmarried and not employed, between 15 days old and Age 25, and in the case between Age 19 and Age 25, the child must be studying full-time in a recognised institution of higher learning (and not in full-time national service). Resident of Singapore shall mean Singapore Citizens and Permanent Residents (holders of re-entry permits) as well as holders of employment passes, work permits, students’ passes or dependents’ passes. An Insured Person’s cover will cease automatically if he remains outside of his Country of Residence for a period in excess of one hundred eighty-five (185) consecutive days. Where Insured Member commenced Cover between Age 16 and Age 70, Insured Member will be eligible for renewal of Cover up to Age 80
  • Currency: Singapore Dollar
  • Exclusions: Kindly refer to the policy wordings for the full exclusion
  • This plan is yearly renewable

Important Notice

The information provided here is a summary and for general information only. Although care has been taken in preparing the information provided to you, we will not responsible for any errors or omissions, and we accept no liability whatsoever for any loss or damage howsoever arising. Please refer to the actual policy wordings for the terms and conditions. You may refer to for detailed information about the product.