1. Premium rates are not guaranteed and terms and conditions of the policy may also change upon renewal. AXA reserves the right to review and adjust the premium rates for each policy year. At the beginning of each policy year in respect of each class of insured, AXA shall determine the table of premium rates for that policy year. It shall then compute an aggregate premium which shall be the sum of the individual premiums for the insured of that class, calculated according to the table of premium rates then in effect. The premium rates may be adjusted based on factors including but not limited to the attained age of the insured, medical trend and AXA’s claims experience.​
2. The directory of the network is subject to change from time to time at AXA’s sole discretion without prior notice. Please login to Emma by AXA or other channels made available by AXA or call AXA Customer Care Hotline for the latest list. Any change shall be deemed as effective on the date of publication irrespective of whether any separate notice is given.​
3. The network service providers are, respectively, independent contractors and are not agents or servants of the Company. The Company shall (i) not be held responsible for or liable to the policyholder or any of the insureds for anything in relation to any services provided by any of the network service providers; and (ii) not have any obligation or liability whatsoever in relation to any services provided by any of network service providers and shall not be responsible for or liable to any act or failure to act on the part of any of the network service providers. The Company reserves the right to amend the terms and conditions in relation to the services of the network service providers from time to time without prior notice. 

* Subject to the respective termination clause for insured person and for insured dependants as stated in the policy provisions.

The plan is subject to the terms, conditions and exclusions of the relevant policy provisions. AXA reserves the final right to approve any application. This webpage contains general information only and does not constitute any contract between any parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the plan, please refer to the relevant policy provisions, which will be made available by the Company upon request.