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How can a critical illness insurance protect my family?

How does Health Start cover you from critical illness?

Clients receives REMAINING SUM INSURED once diagnosed with major critical condition.

at the age of 35

John purchased HEALTH START 20 - pay with his wife Jane as the co-insured.

Monthly Premiums:

₱2,241

Policy's original sum insured:

₱1,000,000

at the age of 49

Their child who is 9 years old is diagnosed with Kawasaki Disease

Benefit received:

₱200,000

Policy effective sum insured:

₱1,000,000

at the age of 55

John suffers from aortic aneurysm (minor condition)

Benefit received:

₱200,000

Policy effective sum insured:

₱800,000

at the age of 65

Jane is diagnose with Breast Cancer (major condition)

Policy effective sum insured:

₱800,000

Major critical condition and life insurance coverage benefits for Health Start Family are on first-to-claim basis.

Why HEALTH START?

Critical Condition Coverage

Against top critical conditions - Cancer, Stroke, Heart Attack & early stage conditions

Child Coverage

Built-in coverage for child of insured against child critical conditions

Return Of Premium

Premiums paid will be returned at age 75 less any benefit paid

Life Insurance Coverage

In case of untimely demise, your family will receive the plan benefit to help them take care of their needs

Flexible Payment Terms

Pay for either 10 or 20 years

Joint Cover

Cover 2 lives in 1 plan - can either be your spouse, parent or sibling

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What You Need to Know

HMOs or Health Maintenance Organizations offer access to doctors within their network, as well as comprehensive and customizable healthcare insurance. The plans are usually limited to a certain amount and depending on the plan, may not be enough to cover treatments for critical illnesses.
Meanwhile, critical illness plans, like Health Start, provide an extra cover of protection for serious illnesses, and can help you in fulfilling other needs since it provides a lump sum amount upon diagnosis of a covered condition or illness. For instance, if you become unable to work because of a critical condition, the critical illness plan payout can be used to not only pay for your treatment but also, fund your recurring bills such as utilities, groceries, and other living expenses.
So if you already have an HMO, having a critical illness plan will complement your health protection. It ensures your lifestyle remains normal especially since a critical illness might render you unable to work.

Health Start insures one (1) individual whereas Health Start Family can insure two (2) individuals in a single plan with both sharing the same amount of coverage on a first-to-claim basis. With Health Start Family, one can choose a co-insured in the form of their spouse, their parent, their adult child (above 18 years old) or a sibling. Nonetheless, the list of benefits remains to be the same for both plan types.

First-to-claim means that either of the major critical condition and life insurance benefit will be paid out upon the first occurrence of the covered incident between any of the two (2) co-insureds. For instance, if a married couple avails Health Start Family and the husband suffers from a stroke covered according to plan, then AXA will pay out the full benefit and the plan will terminate.

How can I claim?

How soon can I claim against a critical condition?

There is a waiting period of sixty (60) days following your policy effective date or your last policy reinstatement date, whichever is later, before being eligible to make a claim for any critical condition.

Can I have multiple claims for a minor critical condition?

Yes, but you can only claim up to four (4) times while your policy is inforce. Minor critical condition benefit can be claimed once per insured, except for carcinoma-in-situ (CIS) for different organs. Please note that each claim should be of a different condition per life. The remaining sum insured will cover you against major critical illness or death for the rest of the policys life.

What should I do if I have a claim?

There are only few steps to make a claim:

Step 1: Download the applicable forms at https://ipgroup.ph/support-center. The forms should be signed by the rightful persons.

Step 2: Gather the minimum documents required as listed in the form.

Step 3: #3. Send the clear copies of all claims documents to lvillar@axa.net.ph , advisor@insurancepartner.ph

Step 4: AXA will process your claim only if complete documents are received. You will be advised in writing for the claim decision.

Step 5: Once approved, you will receive your claim proceeds via preferred pay out method.

What if I dont have any critical conditions claims at all, what will my benefit be?

In case you don't have any critical illness claims, your premiums will be returned at age 75. This will be deducted from your policy's coverage, but your policy will remain intact with your remaining cover. Additionally, you can be assured that you have life insurance coverage that can protect your family in case of your untimely demise.