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AXA Shield Integrated Shield Plan

  • Overview
  • Reviews (2)
  • Questions (0)
  • More Details

Plans (3)

Slide 1 of 3
  • AXA Shield Integrated 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 Integrated 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 Integrated 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 Integrated 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 Integrated Shield Plan Review 2021

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 Integrated Shield Plan
Reviews (2)

4.5

2 Reviews

  • 5
    1
  • 4
    1
  • 3
    0
  • 2
    0
  • 1
    0

Read Review About...

    Most HelpfulMost RecentLow to HighHigh to Low
      Updated on 22 Jul 2020

      Purchased

      AXA Shield Integrated Shield Standard Plan

      AXA’s products are value for money one of the best insurance name in the insurance industry. My insurance agent is good too!

      0

      Post

      Updated on 16 Jul 2020

      Purchased

      AXA Shield Integrated Shield Plan B

      I purchased AXA Shield when I first started out as an insurance agent with AXA 4-5 years ago. Main reason I have gotten this Shield plan was because being the newest insurer, their premiums and coverage was VERY competitive (and it still is)! Over my course with them, I got to experience the claims process for a handful of clients. Hospitalisation e-filing and post-hospitalisation claim was smooth and fast, almost hassle-free for both the clients and myself (the agent). I moved on to join other FA firms and started dealing with Shield plans from other insurers too. Most of the time (depending on client's needs and wants), my clients still tend to favour AXA's benefit and cost compared to other the competitors. I stopped dealing with AXA totally for almost 2 years now due to change of job. My Shield insurer remains the same. (Reason why I rated 4 stars is due to my somewhat outdated experience. Otherwise, a 5)

      0

      Post

    Questions (0)
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      No Question Found.

      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

      Contact us at [email protected] should you require any assistance or spot any inaccuracies