RM1,000 deductible per hospital admission means that you are to pay for the first RM1,000 of the eligible medical expenses incurred for that hospital admission. We will pay the balance of the medical expenses after deducting the first RM1,000.

For example, the eligible medical expenses = RM10,000

Deductible amount per hospital admission = RM1,000

Amount to be paid by you = RM1,000

Amount to be paid by us = RM10,000 – RM1,000 = RM9,000

It is cheaper because you will need to bear some of the eligible medical expenses for the plan with deductible

No, the premium payable will increase according to your age.

Any change of premium will only be effective starting next anniversary of your policy and we will give you at least 90 days’ notice prior to the change. However, any change of premium will only be made if the overall claim experience of this class of business is worse than expected.

Annual limit is the maximum eligible medical expenses that we pay every year.

The upgrade is provided to you via invitation upon policy renewal and is subject to terms and conditions.

Medical checkup is not required to enroll for this plan.

Yes, you can. Please see below for the claim process. Try to go to a panel hospital, because the process is simpler and you do not need to pay in advance. Follow this link “Panel Hospitals” and go to “Panel Hospital Locator” to find a hospital near you.

An online medical card will be available to you via “My AXA Health” Mobile App. You may also login into https://www.myaxahealth.com/ to access your medical card. There is no physical card. You do not need one.

Yes, you are covered up to 3 times per Any One Disability for clinic visits for Bodily Injury resulting from an accident. For this claim, the treatment must be sought within 24 hours. Besides, you are covered up to 3 clinic visits for consultation & diagnostic test preceding confinement in a hospital due to illnesses.

Yes, you can. However, please note that this product does not cover any medical or physical conditions occurring within the first 30 days or Specified Illnesses within the first 120 days, except for injuries due to accidental causes. Injuries due to accidental causes is an injury which is caused by accident and with the evidence of a visible bruise or wound on the body.

Specified Illnesses means any one of the following Disabilities and its related complications:

• Hypertension, diabetes mellitus and cardiovascular disease;
• All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and biliary system;
• All ear, nose (including sinuses) and throat conditions;
• Hernias, haemorrhoids, fistulae, hydrocele, varicocele;
• Endometriosis including Disease of the reproduction system;
• Vertebro spinal disorders (including disc) and knee conditions.

No, the upgrade of plan is subject to terms and conditions and only offered through our invitation upon policy renewal.

You just need to present the online medical card to our panel hospital or mention our Third Party Administrator name (MediExpress) for the admission arrangement. However, please note that the hospital may require you to pay a deposit before admission.

RM250. If your room and board is higher than RM250 per day, we will only pay up to RM250 per day and you will have to pay for the excess. So if you want to splurge on a private room, you can.

If the annual limit is insufficient to cover your medical expenses, you will have to bear the differences of the medical expenses. Thus, it is advisable to ensure that you have sufficient medical coverage at the very beginning

You will receive the policy documents via email within 3 working days. In the event you did not receive the policy documents, kindly leave us a message at WhatsApp at 017-641 8867, email us at customer.care@axa-life.com.my or contact AXA AFFIN Life Customer Care Helpline at 1300-88-1616.

This plan does not cover any Hospitalisation, Surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences:

1. Pre-existing Illnesses.
2. Specified Illnesses occurring during the first 120 days of continuous cover.
3. Any medical or physical conditions arising within the first 30 days following the Issue Date, except for Bodily Injury due to accidental causes.
4. Plastic/Cosmetic Surgery, circumcision, eye examination, glasses and refraction or surgical correction of near sightedness (Radial Keratotomy or Lasik) or all corrective glasses, contact lenses and intraocular lens (except monofocal intraocular lenses in cataract Surgery) or robotics Surgery that aid a surgical procedure and the use or acquisition of external prosthetic appliances or devices such as artificial limbs, hearing aids, implanted pacemakers and prescriptions thereof.
5. Dental conditions including Dental Treatment or oral Surgery except as necessitated by Accidental Injuries to teeth occurring wholly during the period of insurance.
6. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation, venereal Disease and its sequelae, AIDS (Acquired Immune Deficiency Syndrome) or ARC (AIDS Related Complex) and HIV related Diseases, and any communicable Diseases requiring quarantine by law.
7. Any Treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.
8. Pregnancy, pregnancy related condition or its complications, child birth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control or Treatment pertaining to infertility, erectile dysfunction and tests or Treatment related to impotence or sterilisation.
9. Hospitalisation primarily for investigatory purposes, diagnosis, X-ray examination, general physical or medical examinations, not incidental to Treatment or diagnosis of a covered Disability or any Treatment which is not Medically Necessary and any preventive Treatments, preventive medicines or examinations carried out by a Physician, and Treatments specifically for weight reduction or gain.
10. Suicide, attempted suicide or intentionally self-inflicted Injury while sane or insane.
11. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection.
12. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material.
13. Expenses incurred for donation of any body organ by an Insured and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications.
14. Investigation and Treatment of sleep and snoring disorders, hormone replacement therapy and alternative therapy such as Treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure reflexology, bone setting, herbalist Treatment, massage or aroma therapy or other alternative Treatment.
15. Psychotic, mental or nervous disorders, (including any neuroses and their physiological or psychosomatic manifestations) and any other conditions classified under the “Diagnostic and Statistical Manual of Mental Disorders (DSM-IV Codes)’ as published by American Psychiatric Association.
16. Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible non-medical items.
17. Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.
18. Expenses incurred for sex changes.
19. Cosmetic (aesthetic) Surgery or Treatment, or any Treatment which relates to or is needed because of previous cosmetic Treatment. However, we will pay for reconstructive Surgery if:
    1. It is carried out to restore function or appearance after an Accident or following Surgery for a medical condition, provided that the Insured has been continuously covered under the Policy since before the Accident or Surgery happened; and
    2. It is done at a medically appropriate stage after the Accident or Surgery; and
    3. We agree, in writing, to the cost of the Treatment before it is done.
20. Biological or chemical contamination.

This is a guaranteed renewable medical plan. You are required to pay the premium if you would like to continue your policy.

Follow this link “Panel Hospitals” and go to “Panel Hospital Locator” to find a hospital near you.

If you missed any premium payment and provided that your policy has not lapsed, you may be able to use the medical card, however, you may face some interruption during the discharge process from the hospital and You will need to pay back the premium owed since the premium due date.

No, this product does not invest in any investment fund(s).

If you cancel the policy within 15 days from the date of transmission of your policy to you, we shall refund the Basic Premium paid. However, no refund can be made when a claim has been admitted.If you cancel the policy after the 15 days period, you will receive the refund pro-rated.