IE Indiv Bro Apr2011

8/14/2019 IE Indiv Bro Apr2011

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healthcare

we offer international healthcareprotection and exclusive solutions tomeet your needs

International Exclusiveoffers you and your family

comprehensive coverage at home and abroad


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Information is correct as at April 2012

contents

1 Best investment you could ever make for you & your family

2 Do you need healthcare insurance?

4 Considerations when buying healthcare insurance

6 Benets of International Exclusive Comprehensive pregnancy & delivery benet Pre and post-natal complications coverage Newborn accommodation benet

Chronic conditions

8 Benets of International Exclusive Pre-authorization Pre-existing conditions International emergency medical assistance

10 Build your own International Exclusive plan

12 Illustrations

14 Why International Exclusive ? Preferred treatment: Direct hospital billing 360 degree Caring: Chronic and Pre-existing conditions covered Around the clock team: 24/7 health services Around the globe support: International emergency medical assistance Happy moments: Comprehensive pregnancy & delivery

17 Important notes


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to enjoy peace of mind..

this could be the best investment you ever make

for you & your family

The world has become smaller with technological development and travelling for leisure or overseasassignments are becoming more common than ever. But what remains important is ensuring that you andyour family are well taken care of regardless of where you are and when it is needed.

Whether you are in your home country or working and living overseas or travelling, you should not be worryingabout what to do, who to call and how to get assistance when you or your family need medical care. Toenjoy peace of mind and to help you focus on other important things in life, you just need to enroll into anappropriate health insurance plan. This could be the best investment you ever make for you and your family!

why do you need health insurance?

who needs health insurance?


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do you need healthcare insurance?

Mr Jones and family are happily relocated to Singapore from Australia. The Jones are settling into theirnew home and enjoying their new lifestyle. Mrs Jones enrolls the kids, Emily & Jim, who are 9 & 7 yearsold respectively, into a neighborhood school. She is also busy gathering information on employing domestichelper and products and services offered by various banks and insurance companies for her familys bankingand insurance needs while Mr Jones works late as hes getting adjusted in his new regional role. He travelsextensively within Asia too.

Disclaimer: All characters and events portrayed within are purely ctional and anysimilarities to actual persons and events are purely unintentional.


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Mrs Lee, a housewife, is a huge art loverwho frequently volunteers and participatesin local and international art fairs. Lately,

she is busy planning her third trip this yearto visit the museums in New York andSpain to attend exhibitions of her favouriteartists works. And this time, she will beaccompanied by her husband on her visits.


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considerations when buying healthcare insurance?

Little Emily caught a cold and Mrs Jones brought her to a local hospital. She nds that the medical bill and

medical standards are comparable to Australia. Mrs Jones also nds out that deposit or pre-payment isrequired upon admission to a local hospital.


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Running his own family business, Mr Leeunderstands the need to plan ahead andthe interest of his family always comes rst.

Mrs Lees family is overseas and she enjoystravelling with no boundaries. To ensure hiswife is taken care of when she is at home oroverseas, Mr Lee is looking for a completeinsurance plan.


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Benets of International Exclusive

Comprehensive pregnancy & delivery benet

Pre and post-natal complications coverage

Congratulations to the Jones family on their new additionas baby Jasmine is born in Singapore. Mrs Jonespregnancy and delivery cost came up to S$15,000and she developed some post-natal complications afterdelivery. While Mrs Jones was receiving treatment, babyJasmine stayed with the mother in hospital. Though Mrs.Jones has selected S$2,000 as annual deductible, thepregnancy and delivery cost was paid in full and theannual deductible only applies on the post-natal and theaccommodation cost of baby Jasmine staying with hermother.

Newborn accommodation benet

Comprehensive pregnancy & delivery benet 1

is one of the additional benets included

in International Exclusive and this benet

is effective after 12 months of consecutive

membership!

International Exclusive also comes with

pre and post-natal complications coverageand it also is effective after 12 months of

consecutive membership!

Newborn accommodation benet covers

the cost for child who is less than 16

weeks old to stay with the mother while

the mother is receiving eligible inpatient

treatment.

1 Available with International Exclusive Plan A.


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Mrs Jones experienced anxieties during her pregnancyand is pleased to nd the free consultations from AXAshealth at hand very helpful! Her calls are handledprofessionally by midwives and medical informationshared are very useful.

Little Emily was diagnosed with asthma for the rsttime during her last doctor visit and the doctor puts heron a program which requires medication and frequent

doctor visits. After speaking with AXA 24-hour healthservice team , Mrs Jones is relieved to nd that AXAwill be covering Emilys asthma conditions as part of theInternational Exclusive benets.

Chronic conditions coverage

Health at Hand is an award winning

service offered free of charge and is

available 24/7 by AXA. It is supported

by one of the largest electronic medical

libraries in Europe and is staffed by

registered nurses, midwives, pharmacists

& counselors.

If the chronic conditions are

developed and diagnosed after yourInternational Exclusive becomes

effective, the maintenance cost of suchconditions will be covered by this policy!


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Benets of International Exclusive

Pre-authorization

One day, Mr Lee accidently falls on his hip while walking

down from the ofce and he did not visit the doctor tillthe next day as the pain became unbearable. The doctoradmitted Mr Lee into the hospital immediately andadvised him that a surgery is required for his hip fractureinjury. Mr Lee consults AXA 24-hour health serviceteam on his situation and requests AXA to handle theS$4,000 deposit as well as hospital bill. AXA takesover the case with the doctor and hospital bill while MrLee only focuses on his surgery and recovery. Sincethe hospital is on AXA network hospital, Mr Lee simplysigns the paper and no cash payment is required uponchecking out.

Pre-existing conditions 2

Pre-authorization allows you to

visit your doctor or specialist without

worrying about the consultation charge.International Exclusive pays for the bill

directly without any hassles.

Cost of medical care to address pre-

existing conditions 2 is covered byInternational Exclusive given that the

condition is declared upon application and

the member is already into the membership

for 270 consecutive days or above. The limit

increases further upon completion of two

consecutive years of membership!

After a full day museum tour, Mrs Lee wakes up with a sharppain in her knee and immediately realized her old friendarthritis is coming back to haunt her again. The couplecalls up the AXA 24-hour health service team who helpsthem to locate a local hospital where Mrs Lee gets hertreatment. Regardless this is a pre-existing conditions 2,Mrs Lee gets her medical bill reimbursed!

2 Subject to terms and conditions of International Exclusive Plans A & B.


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International Emergency medical assistance

Mr & Mrs Lee were enjoying their vacation at a villa sittingon a hill top and to go to the small downtown located atthe bottom of the hill, they need to commute by bicycle.

One early morning, Mr & Mrs Lee were sharing a bicycleriding down the slope. The bicycle went out of control atfull speed and Mrs Lee was ung out of the bicycle and

landed on the side of the road. With the help of AXAsinternational emergency medical assistance , AXAarranged transportation for Mrs Lee to get to the nearesthospital for immediate medical treatment.

After monitoring Mrs Lees condition and upon thedoctors conrmation on her travel requirements, AXAmakes all the necessary arrangements to change theirair tickets, provided wheelchair assistance and arrangedfor Mr Lee to travel with her as a non-medical escort.

International emergency medical

assistance is one of the core

benets you will nd handy inInternational Exclusive . In case of an

emergency, AXA will assist you to get the

treatment you need and if needed, we will

bring you to the place where appropriate

treatment is available.


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Build your own International Exclusive plan

Borrowing the experiences of the Jones & Lee family, we understand that getting health coverage is not anexpense but an investment for you & your family. By choosing an appropriate health insurance plan, it notonly saves you money, it also gives you a real peace of mind, ensuring that you and your family are well takencare of where and when needed most.

AXA listens, understands and created International Exclusive

International Exclusive is exible , simple and reasonable

Flexible +

+

+

Pick and choose the level of benets and coverage you need

Pick and choose the geographical areas you wish to be covered(Enjoy the freedom to receive treatment at any hospital of yourchoice within your selected geographical area of coverage)

Choose your preferred currency for benet and premium payments(Singapore dollars or US dollars)

Simple +

+

Enjoy cashless admission and treatment at any of our carefullyselected directory of hospitals

Talk to us anytime and our 24-hour health service team is hereto serve you

Reasonable + Choose and pick your own benets and premium calculation isbased on

How much do you wish to be covered forWhat benets do you needWhere do you want to receive treatmentsWay to manage your premiumWho needs to be covered


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Choosing the suitable plan

How much do you wish to becovered for?

Higher coverage -> higher premium

What benets do you need? To simplify this, benets are grouped into 3 plans (Plan A, B & C)Plan A: ComprehensivePlan B: In-Patient & Out-PatientPlan C: In-Patient

Where do you want to receivetreatments?

+

+

+

Pick according to where you possibly need your treatments oryour preferred place to have treatments

Likely to be the country or region where you live in, work in ortravel to

3 areas 3 Worldwide, Worldwide excluding USA, Asia

Way to manage your premium- Annual Deductible 3

Tool for you to adjust premium by making contribution to the costof treatment before receiving reimbursement

Higher deductible translates to lower premium

Annual deductible Level of discount

S$ 7,000 or US$ 5,000 25%S$ 2,000 or US$ 1,500 12.5%S$ 700 or US$ 500 5%

Who needs to be covered? +

+

International Exclusive opens to everyone and available up toage 80.

Insured mother can choose to cover her newborn baby frombirth.

3 Please refer to page 17 for the denitions.

If you wish to obtain more details on the benets and premiums, please refer to the attached information orfeel free to contact your insurance advisor or call us at 1800-880 4741 or visit our website at www.axa.com.sg


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Illustration 1

Mr & Mrs Jones & their 3 children

Step 1 Level of coverage and benets Plan A

Mr & Mrs Jones are fairly new to Singapore and with a growing family. They are looking fora comprehensive coverage. Considering their needs, they settle for International Exclusive Plan A.

Step 2 Where do you want to receive treatments Asia

Mr Jones has signed on a 5-year employment contract with his Singapore ofce with thepossibility to be relocated to other ofces in Asia. Mrs Jones is happy with Singapore andplans to explore and visit Asia during Mr Jones tenure in Asia. Hence, they decided thatAsia regional coverage is appropriate for their needs.

Step 3 Way to manage your premium - Annual Deductible 3 12.5% off

Mrs Jones has a specic budget in mind and is prepared to pay for part of treatment costsif this helps to bring down the premium, yet not compromising on the level of coverage andbenets. Hence, the Jones proceeded with an annual deductible of S$2,000 and enjoy a12.5% discount off the annual premium.

Step 4 Who needs to be covered 2 adults & 3 children

Mr Jones is convinced that everyone in the family should be covered under the same policy.

This is only the product information. You should seek advice from a qualied advisor if in doubt. Buying healthinsurance products that are not suitable for you may impact your ability to nance your future healthcareneeds.

International Exclusive Plan A is a

comprehensive plan which includes benetsand covers relating to maternity , dental ,pre-existing conditions , health screeningand more !

International Exclusive offers 3

choices of geographical area3

coverage - Asia, Worldwideexcluding USA and Worldwide


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Illustration 2

Mr & Mrs Lee

Step 1 Level of coverage and benets Plan C

Being Singaporeans, Mr & Mrs Lee are already enrolled into a local medical plan but arespecially attracted to International Exclusive Plan Cs benets that covers expensivetreatments and diagnostic scans. These are not covered by any other plans. So, Plan C istheir preferred choice.

Step 2 Where do you want to receive treatments Worldwide

Though home is in Singapore, Mr Lee is a frequent traveler while Mrs Lee visits her familyoverseas and travels extensively all over the world throughout the year. Hence, Mr Leebelieves a Worldwide coverage is more appropriate for him & his wife.

Step 3 Way to manage your premium - Annual Deductible 3 0%

Deductible is not a familiar concept with the Lees but after understanding how it worksand after much consideration, they still prefer their usual practice. They prefer to have theirtreatment costs covered either via direct settlement or reimbursement from the insurancepolicy with nil deductible.

Step 4 Who needs to be covered 2 adults

There are only 2 of them in the household to be covered - Mr & Mrs Lee.

Enjoy up to 25% discount by selecting yourcomfortable level of annual deductible 3

S$ 7,000 or US$ 5,000 25% discountS$ 2,000 or US$ 1,500 12.5% discountS$ 700 or US$ 500 5% discount

3 Please refer to page 17 for the denitions.



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why International Exclusive ?

International Exclusive cares about you and as an International Exclusive member, you may enjoy direct hospital billing and coverage for pre-existing 2

as well as chronic conditions

Preferred treatment: Direct hospital billing

Once pre-authorization is obtained, we will handle bills directly with the hospitalwithin our directory of hospitals and you only focus on your treatment and gettingwell. To ensure we are providing you the best possible and qualied treatments,

we constantly update our international directory of hospitals which is easilymade available to you anytime by contacting our staff or visiting our website atwww.axa.com.sg.

If you choose to seek treatment at a non-network hospital for any reason, pleasenotify us prior to the commencement of treatment and we will do our best to sortout the billing arrangement with your preferred hospital.

2 Subject to terms and conditions of International Exclusive Plans A & B.


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360 degree caring: Chronic and Pre-existing conditions 2 cover

International Exclusive offers generous cover and even some benets for pre-existing conditions 2 and all we ask for is your declaration upon the time ofapplication. In fact, we provide coverage for declared pre-existing conditions 2 automatically upon completion of 270 days of consecutive membership withInternational Exclusive . We will even increase the coverage if your membershipstays with us for two consecutive years and beyond.

We understand treatment for chronic conditions is not an easy journey foranyone. To lessen the nancial burden on such incidents if it ever happens,International Exclusive covers the maintenance of non pre-existing chronicconditions .

Around the clock team: 24/7 health ser vices

International Exclusive continues to strive to be the best including member servicing. AXA 24-hour health service team is here to provide information about your benets, discuss with you about a claimor any questions you might have regardless of where you are and at the time most convenient for you.


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International Exclusive stands by you 24 hours a day, 365days a year and in every corner of the world you live, travelor work. Our team of experts is only a phone call away whenyou need any assistance or consultation

Around the globe support: International emergency medical assistance

Overseas evacuation and repatriation service is one of thecore benets we offer in all our International Exclusive plansand this is available anywhere in the world, 24/7 throughoutthe year.

In case of an emergency and if, in the opinion of an appointeddoctor, the local in-patient treatment is not made availablepromptly, we will arrange to move the patient to the nearestappropriate facility available. This facility could be located inanother country, your country of residence or even your homecountry.

We will do our best to assist you in seeking the mostappropriate treatment in case of emergency anywhere in theworld. In the unfortunate event of death, we will arrange andpay for the cost of bringing the deceaseds body back to the

principle country of residence or home country.

Happy moments: Comprehensive pregnancy 2 & delivery

We will be excited to share with the mother-to-be her happy moments by

providing pregnancy & delivery benets. Fur thermore, we provide coveragefor unexpected medical complications that occur during pregnancy. Thesebenets are available in selected plans and upon completion of 12months of consecutive membership.



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important notes

Please refer to the premium table for details of charges.

Full details of the policy cover, denitions and exclusions can be found in your personal handbook and

membership agreement.

All information described in this sales brochure is only product information provided by AXA.

You should seek advice from a qualied advisor if in doubt. Buying health insurance products that are notsuitable for you may impact your ability to nance your future healthcare needs.

This brochure is not a contract of insurance. For full terms and conditions, please refer to the Policy whichis the operative document. AXA reserves the right to amend any of the information shown without priornotice.

denitions

Annual deductible is the amount of covered expenses you pay in full each year before plan benetsbegin

Asia covers Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia,Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Myanmar, Mongolia, Nepal, NorthKorea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste,Turkmenistan, Uzbekistan and Vietnam

Worldwide excluding USA covers worldwide excluding the USA and US Minor Outlying islands


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N P E / H C P / A p r i

l 2 0 1 2

AXA: A World Leader in Financial Protection

AXA Group in 2010 91 billion euros in consolidated revenues 1,104 billion euros in assets under management

214,000 employees and distributors worldwide working to deliver the rightsolutions and top quality service to our customers 95 million customers across the globe have placed their trust in AXA to:

Insure their property (vehicles, homes, equipment) Provide health and personal protection coverage for their families and

employees Manage their personal or corporate assets

AXA Insurance Singapore in 2010 Leading General Insurer in Singapore Business ranking

No. 1 in Health Insurance No. 2 in Cargo Insurance No. 3 in Motor Insurance

Over 170 years of local experience in Asia Wide range of Smart products for individual and business needs Top 3 for Corporate Reputation, according to the annual survey run by

Reputation Management Associates

motor personal accidentproperty business packagesleisure & travel liabilityhealthcare marine

1800-880 4741www.axa.com.sg

AXA Insurance Singapore Pte Ltd

8 Shenton Way #27-01AXA Tower Singapore 068811Customer Service Centre #B1-01

1800 880 4741 6880 4740 www.axa.com.sg

Co. Reg No. 196900406D

This policy is protected under the Policy Owners Protection Scheme which isadministered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for yourpolicy is automatic and no further action is required from you. For more information onthe types of benets that are covered under the scheme as well as the limits of coverage,

where applicable, please contact your insurer or visit the GIA or SDIC websites (www.gia.org.sg orwww.sdic.org.sg).

IE Indiv Bro Apr2011

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