Hi, I can help you out, maybe can let me know what shield plan you are on at the moment and the rider? To answer your question: AXA Shield’s boasts one of the cheapest premiums compared to other insurers, even when you compare premiums for older age groups (more on this later). In terms of other benefits, AXA’s letter of guarantee is one of the best across the board, the amounts are generous and efficient. The non-panel co-payment is pretty much similar to other insurers. The basis of Co-payment is paying for what you need when you need it, rather than pre-paying for it. This is evident when other insurers have high priced premiums for older age groups and by then it’ll be very hard to switch out. If you are at a crossroads, do speak to an independent financial adviser like myself, who can compare plans from multiple insurers.