In today's unpredictable world, having comprehensive hospital insurance is crucial for protecting your health and finances. The AXA Basic Care product, an integrated shield plan rider, offers a robust solution to complement your existing AXA Shield plan. This rider is designed to provide complete coverage from the first dollar by taking care of the deductible and co-insurance portions of your hospital bill. With AXA Basic Care, you can enjoy peace of mind knowing that you're protected against hefty medical expenses, whether you choose private hospitals or public hospital Class A wards.
Find the right coverage in minutes
Use our advanced calculator to get personalized insurance recommendations
Get precise coverage recommendations based on your needs
Receive instant results without lengthy consultations
Get tailored recommendations based on your unique situation
AXA Basic Care offers a comprehensive range of features designed to provide extensive coverage for your healthcare needs. From hospital stays to outpatient treatments, this rider ensures that you're protected in various medical scenarios. Let's explore the key features that make AXA Basic Care stand out:
AXA Basic Care covers private hospitals and Class A/B1 wards in public hospitals. This ensures you have access to high-quality healthcare facilities without worrying about excessive out-of-pocket expenses.
With AXA Basic Care, you have the flexibility to add on General Care and/or Home Care Riders. These additional riders provide comprehensive coverage for various aspects of your healthcare journey.
AXA Basic Care covers the deductible and co-insurance portions of your hospital bill. This means you can enjoy coverage from the first dollar, reducing your out-of-pocket expenses significantly.
The rider offers coverage for pre-hospitalization treatments up to 180 days before admission and post-hospitalization treatments up to 365 days after discharge. This extensive coverage period ensures comprehensive care throughout your medical journey.
AXA Basic Care covers various outpatient treatments, including chemotherapy for cancer, immunotherapy for cancer, and renal dialysis. These are covered as charged, providing financial relief for ongoing treatments.
AXA Basic Care goes beyond just covering your hospital bills. It offers a range of benefits designed to provide comprehensive protection throughout your life. From long-term coverage to specialized treatments, here are some of the key benefits you can enjoy:
AXA Basic Care provides coverage for life, ensuring that you're protected against medical expenses well into your golden years. This lifetime coverage offers peace of mind for your long-term healthcare needs.
With AXA Basic Care, you're assured of guaranteed renewability. This means your coverage will continue regardless of changes in your health condition, providing long-term security and peace of mind.
The rider offers coverage for inpatient congenital abnormalities, both for the life assured and their biological child (for female life assureds). This benefit is available after a waiting period of 365 days.
AXA Basic Care includes coverage for inpatient pregnancy complications. This benefit is available after a waiting period of 300 days, providing additional protection for expectant mothers.
The rider covers inpatient psychiatric treatment up to S$5,000 per policy year, capped at 35 days. It also provides post-hospitalization psychiatric treatment coverage of up to S$5,000 per policy year within 200 days after hospital discharge.
AXA Basic Care provides emergency overseas medical treatment benefit. Coverage is pegged to the reasonable and customary charges of Singapore private hospitals, ensuring you're protected even when traveling abroad.
| Age | What suggestion covers | Premium |
|---|---|---|
| 23, Female making $2,300 a month | annual limit $1,200,000 ward Up to Private hospital A ward (can also stay in Govt hospital) | $221.05 annual |
| 26, Male making $6,129 a month | critical illness: multipay $200,000 term till 75 critical illness premium waiver till 99 death and tpd $1,250,000 | Not provided |
AXA Basic Care offers several additional benefits that further enhance its value proposition. These unique features set it apart from other integrated shield plan riders and provide comprehensive coverage for various medical scenarios. Let's explore some of these additional benefits:
AXA Basic Care covers major organ transplants as charged. Additionally, it provides coverage of up to S$60,000 per transplant for living donor organ transplants, whether the life assured is the donor or recipient.
The rider covers accidental inpatient dental treatment as charged. This ensures you're protected in case of dental emergencies requiring hospitalization.
AXA Basic Care provides coverage for stem cell transplants as charged. This benefit can be crucial for treating certain serious medical conditions.
The rider covers implants and approved medical consumables as charged. This includes coverage for items like intravascular electrodes and balloon catheters used in various medical procedures.
To be eligible for AXA Basic Care, you must first have an existing AXA Shield plan, as this rider is an add-on to the main integrated shield plan. The application process is straightforward and can be completed online or through an AXA insurance agent. You'll need to provide your personal details, medical history, and choose your desired level of coverage. It's important to note that while MediShield Life premiums can be fully paid by Medisave, the AXA Basic Care rider premiums must be paid in cash. Once your application is approved, your coverage will begin, providing you with comprehensive protection against medical expenses.
Filing a claim with AXA for your Basic Care rider is a straightforward process. You can submit your claim online through the AXA website or mobile app, or by filling out a physical claim form. You'll need to provide supporting documents such as original medical bills, doctor's reports, and any other relevant medical certificates. For hospitalization claims, AXA offers a Letter of Guarantee (LOG) service for seamless admission to hospitals. If you need assistance with claims or have any questions about your coverage, AXA's customer service team is available via phone at 1800 880 4888 (Singapore) or 65 6880 4888 (International), or via email at [email protected]. They also offer support through their MyAXA mobile app and website.
or
By filling this out, you agree to allow us to contact you about insurance related information.
Suggestions Facilitated
Insurance Brands Represented
MAS Licensed Advisors
AXA Basic Care is an excellent choice for individuals seeking comprehensive coverage for their healthcare needs. It's particularly suitable for those who prefer private hospitals or Class A wards in public hospitals, as well as those who want protection against high medical costs. Families planning for children may also find the congenital conditions and pregnancy complications coverage valuable. Additionally, individuals with ongoing medical conditions requiring regular outpatient treatments can benefit from the extensive coverage provided.
.
or
By filling this out, you agree to allow us to contact you about insurance related information.
