Plan according to your budget

You can choose to pay for 10 years or 20 years

to suit your available budget. Here’s a sample
of monthly mode premiums for selected ages: A sample Health Start Family coverage
plan for a ₱1 million, 20-Pay plan
Issue Age 10-Pay 20-Pay
21-25 2,421 1,399 Age Premium Total 3,448
Apply 35%
Person A 30 1,499 1,207
26-30 2,860 1,499 Reduction

31-35 3,410 1,949 Person B 35 1,949 ₱2,241

3,448

Health Start
Total Premiums to be Paid
36 3,459 2,183
37 3,639 2,297
NOTES:
38 3,835 2,421 1. Sample premiums are in monthly mode with applied modal factor.
39 4,047 2,554 2. For Family Coverage, simply add the respective premiums of both
ages and apply a discount of 35%. Health insurance that protects you and your family from
40 4,276 2,698 3. The premium above are for Standard Risk only.
4. Final premium may vary due to rounding.
life-threatening illnesses at a price you can afford

How does Health Start work?

Here’s a sample benefit for a couple who are ages 30 & 35 and pays ₱2,241 monthly for 20 years.

John’s age

At age 35 At age 49 At age 55 At age 65

John purchased Health Their child who is 9 years John suffers from aortic Jane is diagnosed with
Start Family 20-pay with old is diagnosed with aneurysm Breast cancer
his wife Jane as the Kawasaki Disease (minor condition) (major condition)
co-insured

Monthly Premiums: Benefit received: Benefit received: Benefit received:

₱2,241 ₱200,000 ₱200,000 ₱800,000

Client receives REMAINING

Policy’s original sum Policy’s effective sum Policy’s effective sum SUM INSURED once
insured: ₱1,000,000 insured: ₱1,000,000 insured: ₱800,000 diagnosed with a
major critical condition.

Major critical condition and life insurance coverage benefits for Health Start Family are on a first-to-claim basis.

Be health-ready for your family. Talk to your AXA Financial Partner or visit
www.axa.com.ph/healthstart

AXA Philippines THIS FINANCIAL PRODUCT OF AXA PHILIPPINES IS NOT INSURED BY

GT Tower International | 6813 Ayala Avenue cor. H.V. dela Costa st., THE PHILIPPINE DEPOSIT INSURANCE CORPORATION (PDIC) AND
Makati City, Philippines | (+632) 8581 5292 | www.axa.com.ph NOT GUARANTEED BY METROBANK OR PSBANK.
Is critical illness
coverage necessary?
Critical illness can
hit anyone, anytime
Lifestyle and environmental factors
like smoking, stress, pollution have
increased the rate of acquiring diseases.
276
Die from heart attack
everyday
Source: Inquirer.net, 2015
240
Die due to stroke
everyday
Source: Inquirer.net, 2015
236
Die of cancer everyday-
with 16 diagnosed every
hour
Source: WHO Globocan 2018
Philippines
It can cost a fortune!
₱1,800,000
estimated for stroke
(diagnosis, treatment,
rehabilitation)
Source: Ipsos HK, 2014
₱978,650
estimated for heart
attack (diagnosis,
treatment, rehabilitation)
Source: Ipsos HK, 2014
₱120,000
per session
Chemotherapy
Source: Philippine News Agency,
2019
Health insurance made simpler and more affordable for Filipinos
Protect yourself and your family from future health-related financial emergencies.
Health Start
Two plans available:
Covers against the top 3 critical illnesses
Health in the Philippines:
Start
Health Start plan covers you against top critical ud
Incl es
Heart attack
illnesses and comes with built-in child cover
against indicated conditions. This is available for
ge
your child now, or in the future.
Ch
il d
c o v e ra
Stroke
Health
Start Family Cancer
Health Start Family can cover you and a loved one
(a)
against top critical conditions. This can be shared
between you and a spouse, a parent, child(b) or a
sibling. It also includes built-in child cover — insuring
a family within a single plan.
Y our He a lt h S t a r t b enef its
Major critical conditions(c) Minor critical conditions(e) Built-in child cover(f) Return of premium Life insurance coverage(d)
Receive the sum insured in full(d) in case Receive 20% of the sum insured in case Receive ₱200,000 in case the child gets At age 75, receive a lump-sum In case of the insured’s untimely demise,
the insured gets diagnosed with the insured gets diagnosed with any of diagnosed with any of the child critical equivalent to the total standard the family will receive the sum insured
• cancer • stroke • heart attack the 9 minor critical conditions conditions premiums you have paid(g) to help in taking care of their needs
Minor critical Covered child
conditions covered conditions NOTES:
(a)
For Health Start Family, major critical conditions, return of premium and life insurance coverage will be paid
on a first-to-claim basis.
(b)
Child must be 18 years old and above.
1. Dengue hemorrhagic fever (Grades III and IV) (c)
Terminal illness is also covered under this plan. Terminal illness is any condition, which in the opinion of a
Cancer-related Heart-related Nervous system-related specialist, will lead to death within 365 days.
2. Hemophilia A or hemophilia B
(d)
Benefit is equivalent to sum insured less any benefits paid.
1. Carcinoma-in-situ at cervix uteri, 5. Angioplasty and other invasive 9. Cerebral shunt insertion 3. Insulin dependent diabetes mellitus (e)
The minor critical condition benefit can be claimed up to 4 times for different conditions per life.
uterus, breast, vagina, fallopian treatments for coronary artery 4. Kawasaki disease
(f)
Child cover benefit is provided for any one child who is under 18 years old at the time of claim and the child
tube, ovary, testicles, colon, disease survives the critical conditon for fourteen (14) days from date of diagnosis. This benefit is payable only once,
lung, penis, rectum, stomach, 6. Aortic aneurysm
5. Osteogenesis imperfecta on a first child-to-claim basis. Child cover benefit is on top of the plan’s sum insured.
6. Rheumatic fever with valvular impairment (g)
For older issue ages which are age 50 and up for 20-Pay and Age 55 and up for 10-Pay, standard premiums
vulva
2. Early stage prostate cancer
7. Insertion of pacemaker or
defibrillator 7. Still’s disease to be returned will be at 50%.
3. Early bladder cancer
4. Early chronic lymphocytic leukemia
8. Keyhole coronary bypass
surgery
8. Wilson’s disease IMPORTANT: Pre-existing conditions are excluded, furthermore there is a 60-day waiting
period starting on Policy Effective Date for Major, Minor and Child Critical Conditions. The
full definitions of critical conditions and exclusions can be found in the policy contract.
Should you decide to purchase this plan and find that it is not suitable for you, you will be
provided 15 days upon receipt of policy to cancel the plan with full refund.