1. Premium rates are not guaranteed and terms and conditions of the policy may also be changed upon renewal. AXA reserves the right to (a) review and adjust the premium rates; and (b) revise the benefits and the terms and conditions of the policy on each policy anniversary of the policy. 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.
3. The giving of pre-approval and subsequent approval from the Company shall not be deemed as admission of AXA’s liability to pay and/ or reimburse the policyholder and/ or the insured under the policy or a waiver of any breach of the terms and conditions of the policy, if any.
4. Cashless arrangement shall mean “AXA Credit Facility” in the policy provisions, please refer the details to the policy provisions and product brochure.
5. The conditions apply the issue and use of AXA eHealth card, please refer the details to the policy provision and product brochure.
6. Subject to the respective termination clause for insured person and for insured dependant(s) as stated in the policy provisions. The protection in respect of employees and their spouse can be extended to age 80, subject to satisfactory result of individual underwriting and loading.
7. Claims which are simple and not complicated will be paid within 7 working days after all required documents are received by AXA.

The plan is subject to the terms, conditions and exclusions of the policy. 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.