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HealthPro Living

HealthPro Living

You understand the importance of securing comprehensive insurance coverage. You can protect your dependents should you no longer be able to provide an income. But you are looking for a plan that will offer lifetime protection without a long term premium payment commitment.

With AXA's HealthPro Living, you'll get just that and more. HealthPro Living is not only an insurance plan offering you higher protection during your working lifespan, it also gives you financial security with increasing guaranteed cash values and bonus accumulation.

Protection that lasts a lifetime1

HealthPro Living offers you valuable protection against Death, Total and Permanent Disability (before age 65), Terminal Illness, Critical Illness and Minor Illnesses for the rest of your life. This way, should anything happen to you, you can still provide for your loved ones.

Pay for the short-term, be covered for a lifetime

Choose from a range of premium payment terms of 15, 20 or 25 years to suit your personal financial plans. With shorter premium payment terms, you can free up your finances earlier for other financial goals.

Enjoy 135% payout

While HealthPro Living gives you protection for the whole of your life, should Death, Total and Permanent Disability, Terminal Illness or Critical Illness occurs on or before age 65, you will receive 135% of the Sum Assured, plus any accumulated bonuses. This extra sum will help relieve any additional medical or living expenses in life. After age 65, the coverage reverts back to 100% of the Sum Assured, plus any accumulated bonuses, offering you protection till age 99.

Claim up to 2 Minor Illnesses

HealthPro Living gives you a sense of financial security at the onset of a Minor Illness. The Minor Illness claim is an advance payment which you could use to pay for your medical costs or to settle your financial commitments. What's more, you can claim not just once, but twice from different group of Minor Illnesses. (Please refer to Useful Information)

Up to 20% payout for Minor Illnesses

HealthPro Living will pay out up to 20% of the Sum Assured upon any diagnosis of the covered Minor Illnesses such as Early Stage Cancer of Prostrate and Carcinoma-in-situ of Breast and Juvenile Illnesses like severe asthma, without the policy terminating. The protection from your HealthPro wholelife basic plan continues for the rest of your life even after 2 Minor Illness claims.

Claim up to 5 times for Critical Illness

AXA's HealthPro Multiple Benefit together with HealthPro whole-life basic plan is a unique solution offering comprehensive protection for Critical Illness that allows up to 5 Critical Illness claims. Unlike traditional Critical Illness coverage which ends when you make the first claim, AXA's HealthPro whole-life basic plan with HealthPro Multiple Benefit will pay out up to 5 Critical Illness claims2. This unique feature ensures that your finances are protected not once, but 5 times from any Critical Illness occurrence3. This way, you are protected from financial loss due to treatment expenses.

Important Information

1 HealthPro whole-life basic plans offer coverage till age 99

2 The first Critical Illness claim is made against the HealthPro whole-life basic plan. The subsequent 4 Critical Illness claims are claimable against the HealthPro Multiple Benefit and 100% of the Rider Sum Assured will be paid for each Critical Illness claim.

3 HealthPro Multiple Benefit allows up to a total of 4 Critical Illness claims from different Critical Illness Groups, with the exception of Group 1 – Cancer which allows up to 3 Cancer claims. Cancer is subject to a 5-year Cancer Free waiting period.

Save while protecting what matters to you

While the main focus of HealthPro Living is to provide you with better lifetime protection, it also gives you an on guaranteed annual bonus from the end of the first policy year onwards. The accumulated bonus adds on to your coverage, even after premium payments have ended.

Illustrative example¹

Alvin, a 30-year-old sales manager, non-smoker, takes out HealthPro Living with the HealthPro Multiple Benefit for the protection it offers his young family in the event of his Death, Total and Permanent Disability, Terminal Illness and Minor Illness.

Premium Payment Term²: 20 years at S$264 a month
Sum Assured for HealthPro Living: S$100,000
Sum Assured for HealthPro Multiple Benefits: S$100,000

Alvin survives and recovers from the Heart Attack. The basic HealthPro Living plan will terminate and the future premiums for HealthPro Multiple Benefit will be waived while Alvin continues to be covered by the HealthPro Multiple Benefit.

The total payout on Alvin's policy is S$270,580 and his HealthPro Multiple Benefit continues to protect him for up to 3 additional Critical Illness claims until he is 85 years old.

Important Information

1 Illustrations are based on a projection value of 5.25% per annum investment rate of return. Premiums stated are rounded up to the nearest dollar.

2 The HealthPro Multiple Benefit's premiums are not guaranteed and continues to be payable until age 85.

To enhance your coverage, the supplementary riders below are uniquely designed to complement your HealthPro whole-life basic plans. Choose the riders that suit your present lifestyle needs and look forward to a worry-free future.

Supplementary Riders Benefits

Smart Payer PremiumEraser (SPPE)

If the Life Assured is different from the Policyholder, this rider waives future premiums until the expiry date of this rider, upon death or Total and Permanent Disability (before age 65) of the Policyholder. This ensures the Life Assured continues to be covered when the Policyholder can no longer pay premiums.

Smart Payer PremiumEraser Plus (SPPEP)

If the Life Assured is different from the Policyholder, this rider waives future premiums until the expiry date of this rider, upon death, Total and Permanent Disability (before age 65) or diagnosis of any of the 30 Critical Illness of the Policyholder. This ensures the Life Assured continues to be covered when the Policyholder can no longer pay premiums.

HealthPro Multiple Benefit

Covers up to 4 critical illness claims. 100% of Rider Sum Assured is payable for each Critical Illness claim.

DisabilityCash Benefit

Provides a continuous stream of payouts till age 65 when the Life Assured is certified totally and permanently disabled before the Policy Anniversary nearest to the Life Assured's 60th year birthday and after all claim payments for the Total and Permanent Disability Benefit has been made under the Basic Policy.

Critical Illness Plus

Provides an additional lump sum payout to to reduce financial burden when the Life Assured is diagnosed as having a Critical Illness during the term of this Supplementary Rider.

Secure Term

It provides an additional lump sum payout upon death, Terminal Illness or Total and Permanent Disability (before the age of 65) of the Life Assured for a specified duration (term).

To apply, please ask your personal adviser to recommend appropriate packages that best suit your needs to ensure your coverage remain relevant.

The total Sum Assured for HealthPro Multiple Benefit is subject to a maximum limit of S$500,000 per Life Assured for all HealthPro Multiple Benefit issued by AXA Life Insurance Singapore Private Limited.

The total Critical Illness payout amount is subject to a maximum limit of S$1 million per Life Assured for all Critical Illness benefits under all policies issued by AXA Life Insurance Singapore Private Limited.

The claim payout is subject to the conditions and definitions of Critical Illnesses and Minor Illnesses as stated in the policy contract. This is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract.

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid.

Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. A product summary is available and may be obtained from AXA Life Insurance Singapore Pte Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the policy.

The above is for your information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from an adviser before making a commitment to purchase the product. In the event that you choose not to seek advice from an adviser, you should consider whether the product in question is suitable for you.

The insurance policy featured in this website is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you should you buy the policy. For more information on the types of benefits that are covered under the Policy Owners' Protection Scheme as well as the limits of coverage, where applicable, please visit the AXA website at www.axa.com.sg or visit the LIA or SDIC websites (www.lia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme (Life Insurance).
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