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Do you offer plans from AXA MinMetals

Do you offer plans from AXA MinMetals

Question: 
Just want to ask if I buy the medical plan of Minmetals, is it guarantee renewable for the whole life even I had a big claim, such as claim the maximum annual limit? And also the premium is fixed for the whole life? If not, normally how much percentage will increase for each year? Thank you for your assistance!!!

Answer: 
To answer your question regarding AXA Minmentals renewability - Yes, their plans are renewable for life. There is no age cut off for these plans once you have joined and regardless of your claims throughout the year, as long as you continue to pay your premium, at the end of each year AXA Minmentals will offer you the option to renew your plan for another year (as plans are signed for one year periods), this is even if your claim/s add up to the maximum annual limit. There is no penalty for claiming full benefits from the plan for eligible treatment that you receive and so therefore does not effect your option to renew.

AXA Minmentals are based in the People's Republic of China, though if you ever choose to permanently relocate outside of China, you will be able to renew under their international partner Interglobal – their plans and benefits are exactly the same, allowing you to stay covered anywhere in the world should you decide to move.

On the higher end plans (Comprehensive and Plus) there is a benefit for an annual medical check-up, something that becomes more and more beneficial for individuals as they grow older. This benefit ranges in from US $680 – US $850 depending on the plan, as well as having full cover for acute phases for long term conditions developed while covered by AXA Minmentals.

As with most insurers your annual premium not fixed for your whole life, there is an annual increase each year that can vary between 5% - 10% due to yearly inflation. However, the AXA Minmetal rates are community based and not claims based, meaning that even if you do make very large claims, eg. up to your maximum annual limit, your renewal rate is not based on or by effected these claims and is rather based on an annual flat increase associated with inflation and age. Therefore you can claims for all eligible expenses on your plan without the worry that this could have an adverse effect on your renewal premium.

The AXA Minmetal plans offer worldwide cover, access to cover at the best facilities all over the world including extensive direct billing in China’s main cities, and offer versatile cover options from their range of plans and deductibles – with the lifetime renewability and standard annual increases, overall the AXA Minmental plans are good value for money and comprehensive cover for long term consideration.

For more information about the China Health Insurance plans available from Pacific Prime please contact one of our dedicated advisors today. Alternatively, you may fill in the short form at the top of this page to receive a free, personalized quote.


     
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