Insured United Agency
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AXA SmartPA Protect

AXA SmartPA Protect

SmartPA Protect is a flexible and comprehensive personal protection plan with financial protection and health support so that you can recover quickly after an accident. It provides double the sum assured for hospitalisation expenses, and adds protection for your children.

Benefits

  • You receive double the cover for medical expenses when you are hospitalised (for at least 48 hours) to assist you with the larger medical bills.
  • Your Children Enjoy 20% Of Your Cover (If At Least One Parent Is Covered In The Same Policy) And Additional Cover For HFMD For Free
  • Additional 50% payout should accidental death occurs overseas
  • PROTECTION AGAINST OUTSTANDING LOANS: RECEIVE UP TO S$3,000 TO SETTLE OUTSTANDING CREDIT LIABILITIES, RENOVATION AND EDUCATION LOANS.
  • Letter of Guarantee can be arranged for you hospitalisation overseas (for Gold and Platinum plans).
  • You receive post-hospitalisation support, including doctor’s home visit and home nursing care, helping you get back to your usual lifestyle quickly.
  • AXA will pay the cost to modify your home or vehicle to aid with your disability.
  • 10% Family Discount when you and your spouse are covered in the same policy

Key Exclusions

  • Behavioural Exclusions: Any wilful or illegal act – Suicide or intentional self-injury. Any behaviour under the influence of alcohol or unprescribed drugs.
  • Medical Exclusions: Any pre-existing medical or congenital condition; Illness, infirmity or disease; Mental defect or insanity.
  • Activity Exclusions: Sports played in a professional or competitive capacity; Participating in extreme sports (Such as big wave surfing, cliff jumping, ultra-marathon)
  • Occupation Exclusions: Injury arising from these occupations; Full-time uniformed law-enforcers, underground worker, construction worker, professional sportsman, off-shore rig/platform worker, air crew and armed security guards.
  • War and Nuclear Risk: Loss or damage caused by war, nuclear reaction or contamination, ionizing rays or radioactivity.

Terms & Conditions

  • ENTRY AGE: 18 - 65 YEARS OLD, RENEWABLE UP TO AGE 75; CHILDREN FROM 15 DAYS - 18 YEARS OLD WHO ARE UNMARRIED AND UNEMPLOYED, OR UP TO AGE 25 IF STUDYING FULL-TIME DURING THE POLICY PERIOD.
  • APPLICABLE FOR CLASS I AND II OCCUPATIONS: SMARTCARE PRIME IS APPROPRIATE FOR INDOOR AND NON-MANUAL TYPES OF OCCUPATIONS.
  • WORLDWIDE COVERAGE: MAXIMUM 182 CONSECUTIVE DAYS OUTSIDE SINGAPORE.
  • EXCLUDED ACTIVITIES: PARTICIPATION IN PROFESSIONAL SPORTS OR HAZARDOUS ACTIVITIES SUCH AS PARACHUTING, SKY-DIVING, BUNGEE JUMPING, RACING OTHER THAN ON FOOT, ETC.
  • PERSONS ELIGIBLE FOR COVER: SINGAPORE CITIZENS, SINGAPORE PRS, OR HOLDERS OF VALID EMPLOYMENT OR STUDENT PASSES, LONG TERM SOCIAL VISIT OR DEPENDANT PASSES.
  • CHILD COVER: FOR FAMILY COVER, SPOUSE OR CHILD’S PLAN MUST NOT BE HIGHER THAN THE POLICYHOLDER’S; CHILD MUST BE INSURED WITH AT LEAST ONE PARENT, SUBJECT TO MAXIMUM 50% OF THE POLICYHOLDER’S BENEFIT.
  • EXCLUDED OCCUPATIONS: AIR OR SHIP CREW, PROFESSIONAL SPORTSMAN, OCCUPATIONS INVOLVING DIVING, OFFSHORE WORK, FIRE-FIGHTING, POLICE, NAVAL OR MILITARY OPERATIONS OR OCCUPATIONS OF HAZARDOUS NATURE SUCH AS INVOLVING HEIGHT, DEPTH OR HEAT.

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 www.axa.com.sg for detailed information about the product.