How does MultiPro / MultiPro Plus work?
As your trusted partner, AXA empowers you to upgrade your existing critical illness protection like a Pro. Click here to watch the video and learn more!
AXA’s MultiPro Critical Illness Plan (“MultiPro”) / MultiPro Plus Critical Illness Plan (“MultiPro Plus”) offers budget-friendly cover for the protection gap which might exist if your existing critical illness protection plan terminates upon a one-off major illness claim. If no benefit has been claimed as at policy maturity, this plan also offers you 100% refund of the total premiums paid¹.
Product features
First claim protection against 62 major illnesses
Your strongest back-up when Cancer strikes
1 additional claim each for Heart Attack and Stroke (available to MultiPro Plus only)
No Claim Benefit
First claim protection against 62 major illnesses
MultiPro / MultiPro Plus provides first claim protection against 62 major illnesses up to age 85² of the insured. If the insured is diagnosed with one of the covered major illnesses, we will pay the Refund of Premium Benefit, the amount of which is equivalent to 100% of the total premiums paid¹. Once the Refund of Premium Benefit becomes payable, we will waive all future premiums from the next premium due date so you can focus on what’s most important – your recovery.
Your strongest back-up when Cancer strikes
After the Refund of Premium Benefit becomes payable for any major illnesses, MultiPro / MultiPro Plus will continue to cover the insured against Cancer up to age 85² under the following benefits:
● Multiple Claims Major Illness Benefit³ (for Cancer)
If the insured is unfortunately diagnosed with Cancer, we will pay 100% of the sum insured⁴ of your MultiPro / MultiPro Plus policy for each eligible Cancer claim. You can claim up to 2 times for Cancer under the Multiple Claims Major Illness Benefit³.
● Continuous Cancer Payout Benefit³ option with a waiting period of just 1.5 years
Alternatively, you can choose to receive the Continuous Cancer Payout Benefit³ instead of the Multiple Claims Major Illness Benefit³ as your long-term monthly financial support to ease the burden of living during your recovery. When the Refund of Premium Benefit (or a Multiple Claims Major Illness Benefit³) has been paid for Cancer (“preceding Cancer”) and the insured is then diagnosed of Cancer again (whether a new Cancer or a recurrence, metastasis or continuation of any Cancer) (“later Cancer”), we will pay monthly payments which is equal to 5% of the sum insured⁴, for up to 4 years on a continuous basis.
1 additional claim each for Heart Attack and Stroke (available to MultiPro Plus only)
Under MultiPro Plus, you can make 1 extra claim for each of the 2 common major illnesses – Heart Attack and Stroke under Multiple Claims Major Illness Benefit³ – providing enhanced protection up to age 85² of the insured. Each payout under the Multiple Claims Major Illness Benefit³ is equal to 100% of the sum insured⁴.
No Claim Benefit
If no benefit has been paid or becomes payable upon the policy maturity, we will pay the policyowner a No Claim Benefit equals to 100% of total premiums paid¹ to celebrate good health of the insured.
Promotions
AXA “Multi-Protection” Programme
From now to 27 September 2020, if you successfully apply for any new designated basic plan of MultiPro Series with 20/25 years Premium Payment Term and AXA WiseGuard Pro Medical Insurance Plan basic plan / supplement ( or holding an inforce policy on AXA WiseGuard Pro Medical Insurance Plan) , and satisfy other applicable requirements, you may enjoy a 2 months' premium discount on the basic plan of MultiPro Series*.
On top, you can also enjoy The First 10 Years Support Benefit* from MultiPro Series policy.
* For details, please refer to Reward 1B/1C stated in the relevant promotion leaflet. Terms and conditions apply.
Discover AXA BetterMe services & offers
AXA BetterMe** is a holistic wellness platform with a comprehensive suite of programmes and services covering physical wellness support, mental wellbeing support and chronic disease management.
Access your personalised services under ‘My Privileges’ on Emma by AXA, and equip yourself to become stronger and more resilient, thus you can always get prepared and rise to any occasion with confidence and become a #BetterMe.
**Exclusive for Certain Eligible Policyholders
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Remarks
1. “Total premiums paid” is determined by us on the following basis:
“total premiums paid” = {(A) ÷ 12} x (B), where:
(A) = the applicable annualized premiums amounts determined based on the latest basic sum insured and the premium payment mode for the basic plan immediately before the benefit becomes payable.
(B) = the number of months in which the premiums for the basic plan has been due and fully paid.
For the purpose of determining (A) and (B), any premiums attributable to the annual increments of the basic sum insured under the Index-linked Increase Endorsement attached to this policy (if applicable) shall be counted as due and fully paid starting from the date when such annual increments of basic sum insured become effective. The “total premiums paid” mentioned above is an amount solely for determining the amount of benefit under the policy. For the avoidance of doubt, the amount of “total premiums paid” may not be equivalent to the actual amount of total premiums paid by you under this policy.
2. “Age 85” refers to the policy anniversary on or immediately following the insured’s 85ᵗʰ birthday, whichever is earlier.
3. Any outstanding premiums will be deducted from the relevant benefit(s) when payable.
4. Sum insured refers to the sum insured of basic plan.
