1. Full cover is applicable to designated plans only, and such hospital expenses shall only be payable in full provided that the applicable requirements are complied with. For further details on full cover and the applicable requirements, please refer to the policy provisions and the product brochure.
2. The directory of the network is subject to change from time to time at AXA’s sole discretion without prior notice. For the latest list, please check via Emma by AXA or other channels made available by AXA or call AXA Customer Care Hotline.
3. Applicable to claims for clinical benefits and there is no limitation on the online claim submission amount.
4. Subject to availability, eligibility, and the terms and conditions of AXA’s designated individual medical insurance plan at the time of application.
5. Premium rates are not guaranteed and terms and conditions of the policy upon renewal may also be changed. 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.
6. Subject to the termination clause as stated in the policy provisions. The protection in respect of employees and their spouse can be extended up to age 80, subject to satisfactory result of individual underwriting and loading.
7. Applicable to out-patient and in-patient claims only, provided that 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.