21/02/2025
For posting:
Better than HMO (AXA)
AXA Health Care Access -Comprehensive Medical Insurance Plan.
✅Higher Coverage 500k, 1M, 2M, 4M and 5 Million Annual Benefit Limit (higher benefit means better coverage)
✅With INPATIENT, Outpatient , and Emergency Coverage 500k to 5M depending on the variant chosen, unlike other HMO who has limited benefits.
✅Covers all Doctors Fee, Surgeon Fee and other fees, unlike other usual HMO who has limited coverage and inner limits.
✅Higher Room and Board coverage of up to 4500 to 15k per day
(Local HMO is just 1000-1500/day, you will pay the remaining. In the end, mas mapapagastos ka.)
✅With Life and Accident Insurance (50,000-500,000)
✅With Dental Benefit (Extraction, cleaning, pasta/tooth fillings, brace adjustment)
✅Emergency Benefit (accident or non accident) with ambulance coverage
✅24/7 Unlimited Teleconsultation via My Pocket Doctor. (very useful and convenient, can request prescription, lab test request, and medical certificate for free)
✅Guaranteed Renewable until age 75(regardless if the client had a critical illness or has higher claims. )
For local HMO, they have the right to not renew the plan if the client has major claims already.
✅Premiums increases base on age, not on claims (mas economical and practical)
✅Can avail treatment even from non accredited clinics via reimbursement.
✅With Longevity Health Fund (Cashback fund starting on the 5th year)
✅Pre and Post Hospitalization Benefit ( covers up to 500k ABL for Outpatient lab test and treatment related to confinement within 90 days before confinement or 90 days after confinement)
✅With Annual Physical Exam + FBS , ECG, and Total Cholesterol and additional Blood tests
✅With Affordable Critical Illness Lump Sum Cash Benefit Rider
✅Inflation Shield design / Annual Benefit Limit Booster - increment of ABL by 10% every 3 yrs to make sure you can avail the best Health care through the years
