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    HS Brochure

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    Bernadette Hazel Valerie Tuazon
    This document discusses critical illness coverage and its benefits. It notes that lifestyle factors have increased rates of diseases like cancer, heart attacks, and strokes. Treatment for these conditions can be very expensive, with costs estimated in the hundreds of thousands of pesos. The document then introduces two critical illness insurance plans - Health Start and Health Start Family. These plans provide lump sum payouts if the insured is diagnosed with major critical illnesses like cancer, heart attack, or stroke. They also cover minor critical illnesses and include built-in child coverage. Additional benefits include return of premium at age 75 and life insurance payout for untimely death. The plans aim to help Filipinos financially protect themselves and their families from health emergencies

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    HS Brochure

    Uploaded by

    Bernadette Hazel Valerie Tuazon
    1 views4 pages
    This document discusses critical illness coverage and its benefits. It notes that lifestyle factors have increased rates of diseases like cancer, heart attacks, and strokes. Treatment for these conditions can be very expensive, with costs estimated in the hundreds of thousands of pesos. The document then introduces two critical illness insurance plans - Health Start and Health Start Family. These plans provide lump sum payouts if the insured is diagnosed with major critical illnesses like cancer, heart attack, or stroke. They also cover minor critical illnesses and include built-in child coverage. Additional benefits include return of premium at age 75 and life insurance payout for untimely death. The plans aim to help Filipinos financially protect themselves and their families from health emergencies

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    This document discusses critical illness coverage and its benefits. It notes that lifestyle factors have increased rates of diseases like cancer, heart attacks, and strokes. Treatment for these conditions can be very expensive, with costs estimated in the hundreds of thousands of pesos. The document then introduces two critical illness insurance plans - Health Start and Health Start Family. These plans provide lump sum payouts if the insured is diagnosed with major critical illnesses like cancer, heart attack, or stroke. They also cover minor critical illnesses and include built-in child coverage. Additional benefits include return of premium at age 75 and life insurance payout for untimely death. The plans aim to help Filipinos financially protect themselves and their families from health emergencies

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Flag for inappropriate content
    Download as pdf or txt
    1 views4 pages

    HS Brochure

    Uploaded by

    Bernadette Hazel Valerie Tuazon
    This document discusses critical illness coverage and its benefits. It notes that lifestyle factors have increased rates of diseases like cancer, heart attacks, and strokes. Treatment for these conditions can be very expensive, with costs estimated in the hundreds of thousands of pesos. The document then introduces two critical illness insurance plans - Health Start and Health Start Family. These plans provide lump sum payouts if the insured is diagnosed with major critical illnesses like cancer, heart attack, or stroke. They also cover minor critical illnesses and include built-in child coverage. Additional benefits include return of premium at age 75 and life insurance payout for untimely death. The plans aim to help Filipinos financially protect themselves and their families from health emergencies

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Flag for inappropriate content
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    of 4

    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.

    276 240 236


    Die of cancer everyday-
    Die from heart attack Die due to stroke with 16 diagnosed every
    everyday everyday hour
    Source: Inquirer.net, 2015 Source: Inquirer.net, 2015 Source: WHO Globocan 2018
    Philippines

    It can cost a fortune!

    ₱1,800,000 ₱978,650 ₱120,000


    estimated for stroke estimated for heart per session
    (diagnosis, treatment, attack (diagnosis,
    rehabilitation) treatment, rehabilitation) Chemotherapy
    Source: Philippine News Agency,
    Source: Ipsos HK, 2014 Source: Ipsos HK, 2014
    2019

    Health insurance made simpler


    and more affordable for Filipinos
    Protect yourself and your family from future health-related financial emergencies.

    Two plans available:


    Health Start
    Health Covers against the top 3 critical illnesses
    Start in the Philippines:

    Health Start plan covers you


    against top critical illnesses and Heart attack
    comes with built-in child cover
    against indicated conditions. This
    is available for your child now, or in
    the future. Stroke

    Cancer
    Health
    Start Family

    Health Start Family(a) can cover you and a loved


    one 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 o u r H ea l t h S t a r t b e n e f i t s

    Major critical conditions(c) Minor critical conditions(e) Built-in child cover(f)


    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
    the insured gets diagnosed with the insured gets diagnosed with any of diagnosed with any of the child critical
    • cancer • stroke • heart attack the 9 minor critical conditions conditions

    Minor critical Covered child


    conditions covered conditions

    1. Dengue hemorrhagic fever (Grades III and IV)


    Cancer-related Heart-related Nervous system-related
    2. Hemophilia A or hemophilia B
    1. Carcinoma-in-situ at cervix uteri, 5. Angioplasty and other invasive 9. Cerebral shunt insertion 3. Insulin dependent diabetes mellitus
    uterus, breast, vagina, fallopian treatments for coronary artery 4. Kawasaki disease
    tube, ovary, testicles, colon, disease
    lung, penis, rectum, stomach, 6. Aortic aneurysm
    5. Osteogenesis imperfecta
    vulva 7. Insertion of pacemaker or 6. Rheumatic fever with valvular impairment
    2. Early stage prostate cancer defibrillator 7. Still’s disease
    3. Early bladder cancer 8. Keyhole coronary bypass 8. Wilson’s disease
    4. Early chronic lymphocytic leukemia surgery

    Return of premium Life insurance coverage(d)


    At age 75, receive a lump-sum equivalent In case of the insured’s untimely demise, the family will
    to the total standard premiums you have paid(g) receive the sum insured to help in taking care of their needs

    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.
    (c)
    Terminal illness is also covered under this plan. Terminal illness is any condition, which in the opinion of a specialist, will lead to death within 365 days.
    (d)
    Benefit is equivalent to sum insured less any benefits paid.
    (e)
    The minor critical condition benefit can be claimed up to 4 times for different conditions per life.
    (f)
    Child cover benefit is provided for any one child who is under 18 years old at the time of claim and the child survives the critical conditon for fourteen (14)
    days from date of diagnosis. This benefit is payable only once, on a first child-to-claim basis. Child cover benefit is on top of the plan’s sum insured.
    (g)
    For older issue ages which are age 50 and up for 20-Pay and Age 55 and up for 10-Pay, standard premiums to be returned will be at 50%. This will be less
    any minor critical illness benefits paid.

    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.
    Free teleconsultation service Free mental health counseling

    1. Medical opinions and recommendations are rendered by an independent provider and do not bind AXA Philippines in any way. They are not intended
    as opinions/recommendations of AXA Philippines.
    2. AXA Philippines reserves the right to modify, suspend or change certain terms and conditions for the service without prior notice. In the event that modifications,
    suspension or changes are made, they shall be posted on the website (www.axa.com.ph) immediately.

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