AXA Philippines: Reliable Expats Insurance
AXA provides comprehensive and reliable world-class international medical insurance to expats in the Philippines. With its respectable networks and connections nationwide, you can ensure that you are in good hands whenever necessary while adapting to the new environment in the Philippines.
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Securing private health insurance coverage within the territory of the Philippines is recommended due to the rural-urban healthcare quality discrepancy, shorter wait times, and the capability to access specialized care for complex conditions in addition to what is provided in public healthcare.
In this Pacific Prime article, we will delve into AXA’s company background and the services they deliver, the eligibility and courage of the AXA Global Health Access plan for expats, and how we could help you on your insurance journey in the Philippines.
AXA Philippines: A Reliable Expat Insurance Company
The AXA group has serviced 95 million clients with their insurance and asset management expertise in 50 countries and territories. Their clients can gain access to over 9,000 accredited clinics and hospitals worldwide, enjoying the freedom of receiving quality care anywhere in the world.
AXA Philippines was established in 1999 and is one of the country’s largest and fastest-growing insurance companies. Its insurance products offer financial security with insurance provision to over 1 million individuals, and access to necessary healthcare services in 1,400 clinics and hospitals.
AXA can offer a complete range of products for all its customers’ insurance and financial protection needs, including savings and investments, health plans, and income protection plans as well as general insurance such as fire, motor, car, personal accident, and casualty products.
AXA Philippines: Global Health Access
AXA Philippines’s Global Health Access (GHA) Plan is a comprehensive health insurance plan in the Philippines that offers exceptional medical experience for expats and their families, covering them from common to life-threatening illnesses, up to PHP ₱175 million annually.
Depending on your plan level, you are subjected to a different amount in annual benefit limit, and outpatient and inpatient coverage. Below is the coverage you’ll get by enrolling in GHA:
| Features and Benefits | Silver | Gold Lite | Gold Lite Plus | Gold | Platinum |
| *Annual Benefit Limit | PHP ₱50 Million | PHP ₱100 Million | PHP ₱100 Million | PHP ₱100 Million | PHP ₱175 Million |
| *Inpatient Care (Hospitalization) | ✓ | ✓ | ✓ | ✓ | ✓ |
| *Outpatient Care (Consultation and Diagnostics) | ✓ | 90 days pre & post hospitalization coverage | 15 visits up to P1,000 per visit | ✓ | ✓ |
| *Emergency Care | ✓ | Emergency outpatient due to accident only | ✓ | ✓ | ✓ |
| *Health Screen | ✓ | ✓ | ✓ | ✓ | ✓ |
| *Multivitamins and Food Supplements | ✓ | ✓ | ✓ | ✓ | ✓ |
| *Psychiatric Treatment | ✓ | For inpatient only | ✓ | ✓ | ✓ |
| *Dental Care | ☓ | ☓ | ☓ | ✓ | ✓ |
| *Alternative Treatment | ☓ | ☓ | ☓ | ✓ | ✓ |
| *Optical Care | ☓ | ☓ | ☓ | ✓ | ✓ |
| *Maternity Care | ☓ | ☓ | ☓ | ✓ | ✓ |
*Explanation of terms:
- Annual Benefit Limit: The plan’s consumable amount limit you can use for all treatments and illnesses.
- Inpatient Care: Coverage for continuous stay in a hospital for at least 12 hours for treatment of a covered medical condition.
- Outpatient Care: The fees for treatment by a medical practitioner’s consultation, or in a medical facility where a person is not admitted to hospitalization.
- Emergency Care: This includes any unexpected, serious, or life-threatening emergency that requires immediate medical attention.
- Health Screen: Annual health check-up or a medical examination in the absence of a medical condition.
- Multivitamins and Food Supplements: Coverage for over-the-counter vitamins and supplements.
- Psychiatric Treatment: Coverage for in-patient treatment, day-care treatment, and out-patient treatment of psychiatric issues.
- Dental Care: Coverage for dental examinations, extractions, fillings, scaling/polishing, sealant, and fluoride treatments. This benefit activates after a 6-month waiting period.
- Alternative Treatment: Coverage for acupuncture, chiropractic, homeopathy, naturopathy, osteopathy, podiatry, traditional Chinese medicine, and nutrition advice by practitioners.
- Optical Care: Coverage for corrective spectacle lenses, contact lenses, and associated spectacle frames prescribed by the ophthalmologist, as well as eye examinations.
- Maternity Care: Coverage for prenatal care, delivery of baby, and post-natal care. This benefit is only available for females aged 18 or above and has a waiting period of 12 months.
Benefits of Taking Out AXA’s Global Health Access in the Philippines
By enrolling in AXA’s GHA plan, expats in the Philippines enjoy extensive coverage, convenient transactions, mental health counseling, international evacuation, and repatriation services, freedom of choice of doctor, global concierge, 24/7 teleconsultation services, and family packages.
Extensive Coverage
Expats in the Philippines are covered up to PHP ₱175 million for in-patient and out-patient treatment. You can also opt for coverage in the U.S. You then can access medical services and professional insurance assistance at a wider geographic location.
Convenient Transaction
AXA can directly pay network providers for eligible medical expenses, so you don’t have to worry about settling the bill before receiving the necessary treatment.
Mental Health Counseling
AXA has partnered with Mind You, a psychology clinic to provide clients with mental health counseling services from licensed psychologists.
International Evacuation and Repatriation Services
All plan levels provide coverage for the transportation expenses associated with emergency medical evacuation in cases of sudden illnesses or injury.
Freedom of Your Choice of Doctor
Although treatment in within-network medical facilities is recommended as it is more convenient to settle your bills, you also have the freedom to consult with your chosen specialist even if they are outside AXA’s network. Please note that you may be subjected to reasonable and customary charges.
For the list of accredited clinics and hospitals nationwide, please refer to the links below.
Global Concierge
Access to an all-time available concierge service for travel-related assistance such as flight and travel arrangements for your treatments, and transfers to and from hospitals.
24/7 Teleconsultation Services
You can get expert advice from medical specialists anytime, anywhere through the cutting-edge platform MyPocketDoctor.
Family Package
If you wish to cover your spouse and children with the same plan, you can enjoy a 15% premium reduction, as long as a total of three members are enrolled. You and your family can gain peace of mind knowing that quality healthcare is around the corner whenever and wherever you are.
Exclusion
AXA excludes any pre-existing conditions. It refers to a health condition that you have before obtaining an insurance policy. Depending on the actual condition of your issue, there might be several outcomes after underwriting.
- Full coverage (pre-existing conditions included)
- Coverage for pre-existing conditions with a premium loading or surcharge
- Coverage for pre-existing conditions after a moratorium or waiting period
- No Coverage at All
The assessment outcome looks into a variety of factors, such as stability, frequency of treatment, and the health risks of your pre-existing condition.
Note: Doctors might come up with different diagnoses. Whether or not you have a pre-existing condition ultimately depends on the insurer’s appointed doctor and the documentation you submitted. The doctor will come up with a fair decision that determines your plan eligibility and premium rate.
Calculating Your Premium
Insurance premiums are calculated based on multiple factors such as age, payment frequency, area of coverage, and coverage level. It is advisable to carefully consider these factors before taking out a health insurance policy.
Age
Younger individuals typically enjoy lower premiums as they are considered less risky. However, premiums tend to increase as you get older. AXA’s Global Health Access accepts everyone from between 15 days old to 70 years old for enrollment.
Payment Frequency
Insurance premiums can be paid monthly, quarterly, or annually. It is usually cheaper to pay annually, so if you happen to have the budget to pay the sum upfront at once, then you can enjoy healthcare services at a lower cost.
Area of Coverage
Insurance premiums can vary based on your geographic location. Areas with higher healthcare costs or higher instances of specific health conditions may have higher premiums.
Coverage Level
AXA’s Global Health Access Plan is offered at five levels: Silver, Gold Lite, Gold Lite Plus, Gold, and Platinum. Each plan provides a different level of coverage – the fewer the benefits, the lower the premium, and vice versa.
Reducing Your Premium with Deductibles
If you wish to reduce your insurance cost, you can choose to pay for the first PHP ₱100,000 of your in-patient medical bill. Please note that you only have to pay the annual deductible once every year.
| Plan Secured | Silver | Gold Lite | Gold Lite Plus | Gold | Platinum |
| Premium Reduction Rate | 17% | 25% | 22% | 12% | 12% |
Note: Based on a client aged 40, male
You can also choose a PHP ₱200,000 or PHP ₱500,000 deductible to get a higher reduction on your premium.
Benefits of Working with a Broker
The benefits of working with a broker are that they provide unbiased information, and service at no extra cost. You can easily be overwhelmed by all the available plans in the market. This is where an insurance broker can help you simplify the process.
Insurance brokers work for you, rather than for specific insurance companies. Due to the brokers’ unique positioning, they can compare various insurance plans across companies and leverage their knowledge and expertise to uncover the best premium rates for your needs.
Here are a few reasons why working with an insurance broker could be beneficial to you.
Unbiased Information
As mentioned, insurance brokers can provide you with valuable and impartial advice on plans and price comparisons. Other than that, they can also delve into the specifics of a given policy to ensure you do not overlook items like exclusions and pre-existing conditions in the fine print.
Service at No Extra Cost
You might be worried that insurance brokers would charge you more than if you were to buy directly from the insurance companies. To put your concerns to rest, we take a margin of the profit from insurance companies so clients do not have to pay for our services.
Brokers essentially are a marketplace in which insurance companies compete to offer the best-valued products to clients. When the market is fierce, insurers might even present us with plans at competitive prices.
Practical Support
Brokers are always on their clients’ side when negotiating with insurers. In other words, we will make sure your questions are promptly answered, help process claims, follow up with insurers, and more.
Saves You Time
Insurance brokers save you time and hassle by dealing with insurance companies regarding your recent claims, purchases, top-ups, and renewals. Brokers can offer you necessary professional advice addressing questions around these issues.
Frequently Asked Questions
What is AXA Philippines’s Global Health Access Plan and what does it cover?
AXA Philippine’s Global Health Access Plan is a comprehensive health insurance coverage that includes benefits such as hospitalization, outpatient services, emergency care, and preventive care.
How much does AXA Philippines’s Global Health Access Plan cost?
The cost of AXA Philippines’s Global Health Access Plan varies based on factors like age, coverage limits, and optional features. Contact AXA for personalized pricing details.
What are the eligibility requirements and application process for AXA Philippines’s Global Health Access Plan?
Eligibility requirements for AXA Philippines’s Global Health Access Plan include age limits and medical underwriting. Apply by contacting AXA, providing the necessary documentation, and following their application process.
Conclusion
AXA offers top-notch international health insurance for expats in the Philippines, with a great deal of comprehensiveness and flexibility. Before taking out AXA’s Global Health Access, it is imperative to consider your own medical needs and understand the fine print.
An insurance expert can help you break down the policy in simpler terms so you know what you’re getting out of your insurance plan. That’s why you should consider working with Pacific Prime.
With over 20 years of experience in the insurance industry, we have offices in 13 regions around the world, including APAC, Europe, and the Middle East. We also provide on-site assistance and support in the Philippines and many other countries such as Hong Kong and Dubai.
If you wish to get to know more about all things insurance, talk to our team of expert advisors for impartial advice; Or you can also opt for an obligation-free quote with our advanced online quote system. Contact us today!
Since joining Pacific Prime, Eric was exposed to a new world of insurance. Having learned about insurance products extensively, he has taken joy and satisfaction in helping individuals and businesses manage risks and protect themselves against financial loss through the power of words.
Although born and raised in Hong Kong, he spent a quarter of his life living and studying in the UK. He believes his multicultural experience is a great asset in understanding the needs and wants of expats and globe-trotters.
Eric’s strengths lie in his strong research, analytical, and communication skills, obtained through his BA in Linguistics from the University of York and MSc in Teaching English to Speakers of Other Languages (TESOL) from the University of Bristol.
Outside of work, he enjoys some me-time gaming and reading on his own, occasionally going absolutely mental on a night out with friends.
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