Smart Start Medical Insurance(“Smart Start”) reimburses the actual medical expenses up to age 100¹, including inpatient benefits such as room and board, surgery, hospital expenses and out-patient surgery,etc.

Available as an optional top-up for Smart Start customers, our Supplementary Major Medical Benefit provides partial reimbursement of specified hospital expenses incurred in excess of those covered under Smart Start.

You may combine Smart Start with other optional supplements such as Smart Medimoney for even better protection.

Subject to the terms and conditions of the policy contract, you will enjoy guaranteed annual renewal² of your Smart Start, giving you added peace of mind.

Subject to the terms and conditions of the policy contract, you may enjoy a no claim discount³ upon policy anniversary.

As our valued customer, you will automatically be entitled to use the worldwide emergency assistance⁴ provided by AXA Assistance.