09/10/2025
Health Start
•is a protection plan offered by AXA Philippines
that gives financial coverage for certain critical illnesses (major and minor), plus a built-in child benefit, and also includes life insurance.
2 forms
Health Start – individual coverage
Health Start Family – covers 2 persons under one plan (you + a co-insured, e.g. spouse, parent, adult child, or sibling); they share the same sum insured and benefits on a first-to-claim basis.
🔵What it Covers/ Benefits/ Features
• Major critical conditions
• Minor critical conditions (9 conditions)(20% of sum insured)(4 times)
• Built-in benefit for a child (200k)(9 conditions)
• Life insurance
If the insured dies, there is a death benefit equal to the sum insured.
For the Family variant, this also applies, but subject to first-to-claim rules.
🔵Premiums, Payment & Duration
• Payment term: You can pay premiums for 10 years or 20 years.
• Return of Premium: If you pay until age 75 and no major claims have been made, you’ll get back the standard premiums you have paid.
•Coverage until age 100: Even after premium payment term ends (if the plan is still in force), the life and health coverage continues until age 100.
🔵Sum Insured / Sample Premiums
• It can go up to ₱1,000,000 sum insured in many sample cases.
• Sample monthly premiums (for a family plan, 20-pay): e.g. ₱2,241 for a couple aged 30 & 35.
• Minimum premiums: roughly ₱1,500/month for individual Health Start plan, and about ₱1,950/month for Health Start Family.
🔵Limitations / Conditions
•Waiting period: There's a 60-day waiting period from policy start (or last reinstatement) before being eligible to claim for any critical condition.
•Minor condition claim limit: Minor critical condition benefits may only be claimed up to 4 times, each for a different minor condition per life.
•Child cover condition: Under the child benefit, child must be under 18 at time of claim and must survive the critical condition diagnosis by 14 days.
•First-to-claim basis (Family plan): If one co-insured claims for a major critical illness or death, the full benefit will be paid out and the plan terminates for both.
🌐For more information and quotation, please contact
Jonathan "Ka Jong" Parba
License Insurance Advisor
66954
