AXA Shield Health Insurance Reviews and Comparison - Seedly
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AXA Shield Health Insurance

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Health Insurance/AXA Shield Health Insurance
Health Insurance/AXA Shield Health Insurance

AXA Shield Health Insurance

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Plans (3)

Slide 1 of 3

  • AXA Shield Plan A

    $1,000,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT

  • AXA Shield Plan B

    $550,000
    LIMIT PER POLICY YEAR
    180 / 365
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    A Class and below
    WARD ENTITLEMENT

  • AXA Shield Standard Plan

    $150,000
    LIMIT PER POLICY YEAR
    N/A
    PRE & POST HOSPITAL
    Subject to Treatment
    OUTPATIENT BENEFITS
    B Class and below
    WARD ENTITLEMENT

    AXA Shield Plan A

    $1,000,000
    LIMIT PER POLICY YEAR
    180 / 365 days
    PRE & POST HOSPITAL
    As Charged
    OUTPATIENT BENEFITS
    Private Hospital
    WARD ENTITLEMENT

Details

AXA Health Insurance AXA Shield Review 2020

AXA Shield offers one of the cheapest premiums for the Private Hospital tier Integrated Shield Plan. Here are some of the best highlights of AXA Shield:

  • AXA Shield is an Integrated Shield medical reimbursement plan designed to complement the Singapore MediShield Life plan
  • Apart from the Standard Plan, AXA offers 2 other tiers: Plan B and Plan A
  • Both plans offer Lifetime Coverage
  • The policy yearly limit is up to S$550,000 and S$1,000,000 for Plan B and Plan A respectively
  • Plan B Ward Entitlement: Public Hospital Ward Class A and below
  • Plan A Ward Entitlement: Standard Room in Private Hospital or Private Medical Institution, and below.
  • For pre- and post-hospitalisation, AXA Shield covers 180 days before admission and 365 days after discharge
  • Emergency Overseas Inpatient Treatment covered as charged
  • AXA Shield is the first insurer to offer a GP panel
Read More about AXA Shield Health Insurance
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AXA Shield Benefits at a Glance

There are a total of 3 plans to select from:

  1. Plan A
  2. Plan B
  3. Standard plan

Benefits:

  • Coverage: Lifetime
  • 3 plans in total ranging from cheapest to most premium: Standard, Plan B and Plan A
  • Plan A and Plan B policy yearly limit of up to S$1,000,000 and S$550,000 respectively
  • Major Organ Transplant as charged
  • Inpatient Pregnancy Complications as charged
  • Pre-hospitalisation treatment of 180 days and post-hospitalisation treatment of 365 days
  • Value-added services comprising an extensive AXA Shield Panel (including a first-of-its- and Letter of Guarantee service)
  • Emergency overseas inpatient treatment covered as charged
  • Possible add-on: AXA Enhanced Care to cover extra of up to 95% of eligible bills

Public Service Officers will get to enjoy AXA Shield Plan A, Plan B and Standard Plan with a 10% discount off yours and your family's additional private insurance premiums for the first year.

What Does AXA Shield Cover?

Benefits Description

Plan A

Plan B

Standard Plan

Lifetime Limit

No limit

No limit

No limit

Hospital Ward Entitlement

Standard room in private hospital and below

Public hospital ward class A and below

Public Hospital Ward class B1 and below

Policy Year Limit

Up to S$1,000,000

Up to S$550,000

Up to S$150,000

Inpatient Treatments

As charged
Except inpatient psychiatric treatment capped at S$5,000

As charged
Except inpatient psychiatric treatment capped at S$4,000

Limited coverage amount

Pre-Hospitalisation Treatment

As Charged (within 180 days before hospitalisation)

As Charged (within 180 days before hospitalisation)

-

Post-Hospitalisation Treatment

As Charged (within 180 days before hospitalisation)

As Charged (within 180 days before hospitalisation)

-

Outpatient Treatment (e.g. Cancer Treatments, Kidney Dialysis)

As Charged

As Charged

Limited coverage amount

Major Organ Transplant

As charged

As charged

N/A

Inpatient Pregnancy Complications

As charged (300 days waiting period)

As charged (300 days waiting period)

N/A

Emergency Overseas Medical Treatment Benefit

As Charged pegged to Reasonable and Customary charges of Singapore Private Hospitals

As Charged pegged to Reasonable and Customary charges of Singapore Private Hospitals

-

Additional Benefits:

  • Inpatient and Outpatient Proton Beam Therapy Treatment
  • Cell, Tissue and Gene Therapy Products (CTGTPs) Benefit
  • S$25,000 per policy year
  • S$50,000 per policy year
  • S$15,000 per policy year
  • S$30,000 per policy year

-

Summary of Key Benefits

How much does AXA Shield Health Insurance cost?

Here are the approximate quotes for AXA Shield Health Insurance according to the tiers of plans, and age groups.

Annual Premium for AXA Shield Plan A

Ward entitlement: standard ward in a private hospital

Age Next Birthday

AXA Shield Plan A annual premium

21 to 25 years old

$174

26 to 30 years old

$221

31 to 35 years old

$286

36 to 40 years old

$299

41 to 50 years old

$600

Annual premium for AXA Shield Plan A

Annual Premium for AXA Shield Plan B

Ward entitlement: Ward Class A and below at Restructured Public Hospitals

Age Next Birthday

AXA Shield Plan B Annual Premium

21 to 30 years old

$90

31 to 35 years old

$156

36 to 40 years old

$156

41 to 45 years old

$229

AXA Shield Health Insurance Add-Ons:

AXA Enhanced Care

  • Coverage: Up to 95% of eligible bills
  • Covers the following benefits, subject to different limits for Plan A, B and Standard Plan:
    - Emergency outpatient treatment due to accident
    - Fractures, dislocations and sports injuries
    - Hand Foot Mouth Disease, dengue and food poisoning
    - Ambulance/taxi charges
    - Accommodation charges for immediate family members

How will AXA Enhanced Care help with paying for health insurance?:

  • All the Deductible and Co-insurance amounts under AXA Shield is covered
  • but subject to the Deductible, Co-insurance and Co-payment Cap under AXA Enhanced Care

Treatments

Deductible
(part of co-payment)

Co-Insurance
(part of co-payment)

Co-Payment Cap per policy year / Out-of-pocket expenses

Restructured Community Hospital

$0

5%

$3,000

AXA Panel of Specialists

$0

5%

$3,000

Non-Panel Specialists

$1,500

5%

n/a

*Deductible = a fixed amount to be paid by a policyowner before the MediShield Life and other health insurance benefits are payable

*Co-insurance = a percentage of the claimable amount that a policyowner has to co-pay in after deductibles

Comparison of Integrated Shield Plans: Where Does AXA Shield Stand?

From our calculations, AXA Shield's premiums are generally priced slightly higher than average - from Standard IPs to Class A ward plans. However, AXA does provide one of the cheapest premiums for Private Hospital IPs. Hence, AXA Shield would be value-for-money for individuals looking for larger coverage under private hospital ward entitlements.

Eligibility: Who Can Apply for AXA Shield?

  1. Citizenship status: Singaporean or Permanent Resident
  2. Age: Under 75 years old

AXA Health Insurance AXA Shield Quote

  • Visit AXA website for more details on the coverage, exclusions, and quote