Nobody desires to get sick. Regardless of how a lot the hospitalisation charges and prices are subsidised, regardless of how a lot you’re lined by MediShield Life, it’s the sheer inconvenience of falling sick that almost all of us are actually apprehensive about.
Relating to essential sicknesses, although, like most cancers or main coronary heart situations, that “inconvenience” can grow to be a full-blown drawback in case you’re not ready for it, mentally and financially.
However let’s be critical right here – who can actually say they’re ready to fall critically in poor health? Except of a relative or good friend who has suffered from a serious sickness, you by no means actually know what to anticipate. Particularly after you’ve been hospitalised.
Being identified with most cancers, for instance, includes a number of therapies post-hospitalisation, like chemotherapy and radiotherapy. Because of MediShield Life, you’re usually lined for these therapies.
However there are different procedures that MediShield Life doesn’t cowl, like outpatient CT and MRI scans, which will help to diagnose how effectively the therapy is working. MediShield Life doesn’t cowl, like outpatient CT and MRI scans, which will help to diagnose how effectively the therapy is working. There may additionally be different prices concerned – corresponding to counselling and rehabilitation therapies, for instance.
All these additional prices do add up, and sadly, using Medisave for outpatient CT and MRI scans and different diagnostics for most cancers sufferers is restricted to $600 per 12 months per affected person. This implies the remainder of the associated fee must be borne by you.
With most built-in protect plans, you’re additionally lined between 90 to 180 days, or from 3 to six months, for therapies earlier than and after hospitalisation. That mentioned, in the case of extra critical sickness like most cancers, stroke and coronary heart ailments, it might take way more than 6 months to get better.
Now, think about you might have one year of post-hospitalisation protection!
With the introduction of AXA Defend, Singaporeans now have the choice to choose an built-in protect plan that provides them one year of post-hospitalisation protection. Realizing that we’ve a number of decisions within the saturated built-in protect plan market, the arrival of AXA Defend in late 2016 was a game-changer. It gives you one of many longest post-hospitalisation protection in Singapore.
The period of post-hospitalisation protection turns into a vital issue in the case of selecting an built-in protect plan, as a result of the incidence of most cancers is on the rise. From 2010 to 2014, the variety of most cancers instances being identified rose steadily from 11,431 to 13,416. In the present day, about 37 folks in Singapore are identified with most cancers a day.
The excellent news is that with early detection and therapy, you may battle this illness and recuperate with ease. With AXA Defend’s one year of post-hospitalisation protection, you will get that degree of therapy with out worrying in regards to the period of your therapy and the monetary prices of that therapy.
Extra Particulars
Key Options
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Full protection on your hospitalisation, room, board, medical associated companies, Intensive Care Unit (ICU) bills, though co-insurance, deductibles, and pro-ration elements apply
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Full protection for MediSave-approved surgical procedures (all surgical procedures listed in Tables 1A to 7C), though co-insurance, deductibles, and pro-ration elements apply
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As much as 180 days pre-hospitalisation protection for therapies, together with any Accident and Emergency (A&E) therapies 24 hours previous to hospitalisation
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As much as one year post-hospitalisation protection for therapies in case you search therapy at pre-authorised non-public hospitals, restructured, or neighborhood hospitals
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Protection for deliberate inpatient and emergency therapies in Aviva pre-authorised hospitals
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Protection for main outpatient therapies: kidney dialysis, erythropoietin, chemotherapy, radiotherapy, brachytherapy, immunotherapy, stereotactic radiotherapy, and immunosuppressant medication for main organ transplant
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Extra protection for five essential sicknesses coronary heart assaults, main most cancers, stroke, finish stage lung illness, and finish stage liver illness
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Protection for preventive most cancers surgical procedure when you have beforehand filed a declare for most cancers therapy with Aviva MyShield
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Free protection for new child if each you and your associate are Aviva MyShield policyholders
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Discounted premiums on your youngsters if each you and your associate are Aviva MyShield policyholders
Phrases and Situations
| Age Restrict | 75 12 months outdated |
|---|---|
| Coverage Yr Restrict | S$150,000 – S$1,000,000 |
| Lifetime Restrict | No restrict |
Hospital Ward Entitlement
| Public | As much as Class A |
|---|---|
| Non-public | As much as Normal Room |
Extra Advantages
| Coronavirus (COVID-19) Protection | |
|---|---|
| Put up-Hospitalisation Therapy | |
| Unintentional Inpatient Dental Therapy Profit | |
| Emergency Abroad Medical Therapy Profit | |
| Pre-Hospitalisation Therapy |
See all card particulars
However my built-in protect plan coverage says I’m lined “as-charged”, so why ought to I fear?
“As-charged” signifies that there aren’t any higher limits to the quantity you can declare per therapy. Nonetheless, there’s usually a yearly complete restrict to your coverage’s claims. More often than not, the restrict is excessive sufficient that there’s nothing to fret about, however it’s nonetheless essential to make sure your therapy shouldn’t be maxing out your protection.
With one year of post-hospitalisation protection, you is likely to be involved that you’ll exceed your yearly protection restrict. In spite of everything, an extended protection interval will imply extra therapies and extra claims.
Fortuitously, with AXA Defend Plan B – which gives protection for Class A wards and under in public hospitals – you might have an annual protection restrict of $550,000, increased than most various built-in protect plans. However what’s extra, with AXA Defend Plan A – which gives protection for personal hospitals – you might have an annual protection restrict of $1 million.
It’s clear, due to this fact, that having one of many longest post-hospitalisation protection is not only a advertising and marketing gimmick that AXA Defend is selling. They’re backing it up by providing you with an annual protection restrict that ensures your payments won’t ever exceed the declare restrict.
Extra Particulars
Key Options
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Full “As Charged” protection for inpatient hospital ward, Intensive Care Unit (ICU), together with associated miscellaneous charges corresponding to physician’s charges, prescriptions and so forth. for all plans
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Full “As Charged” protection for MediShield-approved surgical procedures, together with day surgical procedures for all plans
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Protection for pre-hospitalisation therapies as much as 100 days previous to hospitalisation in case you visited a non-NTUC panel clinic or physician; as much as 180 days pre-hospitalisation in case you visited a NTUC panel clinic
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Put up-hospitalisation protection as much as 100 after discharge in case you are visiting a non-NTUC panel clinic or physician; as much as 365 post-discharge in case you are visiting a NTUC panel clinic
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Protection for 90 days of neighborhood hospital keep in case you have been referred by your physician for admission instantly after your discharge from the hospital
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“As Charged” protection for outpatient chemotherapy, radiotherapy, and immunotherapy for most cancers
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“As Charged” protection for renal dialysis, erythropoietin for continual renal failure, medication authorized for organ transplant, and long-term parenteral vitamin
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Different advantages embrace post-mastectomy breast reconstruction, congenital abnormalities, being pregnant and delivery-related issues, organ transplant or donation, cell, tissue, and gene remedy, bone marrow transplant, and prosthesis
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Emergency abroad therapy you acquired shall be lined as much as the equal of the therapies’ costs in non-public hospitals in Singapore
Phrases and Situations
| Age Restrict | 75 12 months outdated |
|---|---|
| Coverage Yr Restrict | S$250,000 – S$1,500,000 |
| Lifetime Restrict | No restrict |
Hospital Ward Entitlement
| Public | As much as Class A |
|---|---|
| Non-public | As much as Normal Room |
Extra Advantages
| Coronavirus (COVID-19) Protection | |
|---|---|
| Put up-Hospitalisation Therapy | |
| Unintentional Inpatient Dental Therapy Profit | |
| Emergency Abroad Medical Therapy Profit | |
| Pre-Hospitalisation Therapy |
See all card particulars
Is AXA Defend too good to be true then? What’s the catch?
With such a protracted post-hospitalisation protection, and a excessive annual protection restrict, AXA Defend is clearly not going to be the most affordable built-in protect plan available in the market. Surprisingly, although, for somebody aged between 31 and 40 years, AXA’s premiums for personal hospital plans value round $42 extra in comparison with most different built-in protect plans. Within the grand scheme of issues, that additional $42 or so every year is a small value to pay for the extent of comfort that AXA Defend gives.
In the end, after all, it is best to decide an built-in protect plan that’s greatest for you. If you’re not planning to go to a non-public hospital on your therapy, then there’s no have to pay the additional premium for AXA Defend Plan A. It can save you by choosing AXA Defend Plan B and nonetheless benefit from the one year of post-hospitalisation protection.
Are you curious about the brand new AXA Built-in Defend Plans? Apply Now to get the built-in protect plan with one of many longest post-hospitalisation protection.
This text is dropped at you in collaboration with AXA.
