Home > Health Insurance > Personal Health > SmartCare Optimum

SmartCare Optimum reimburses you in full up to the annual limit for all your eligible expenses like Hospital Room & Board, ICU charges, Surgeon’s fee & Hospital Miscellaneous Expenses.
 

We give
  • As charged benefits
  • No Co-payment & Deductible

We make every dollar work for You

With advancement in medical technology and medical cost becoming more expensive, we also provide benefits for:
  • Outpatient Kidney Dialysis
  • Outpatient Cancer Treatment
  • Major Organ Transplant
  • Surgical Implants

While most health insurance plans cover you for hospitalisation, SmartCare Optimum can now cover you even for minor accidental injuries, stomach virus and food poisoning with the Outpatient Rider! Enjoy a more comprehensive coverage by opting for the Outpatient Rider! Click here for more details.
 
We provide value-added benefits for You

With just a call from anywhere in the world, you stay connected to our 24-hour Customer Service Assistance Hotline. SmartCare Optimum provides an extensive array of services like:
  • Telephone medical advice
  • Assistance in collation of claim documents
  • Assistance for arrangement for emergency medical evacuation and repatriation

We protect You everywhere in the world

Whether you are hospitalised in Singapore or while travelling overseas (For a period not exceeding 90 days), SmartCare Optimum assists you for:
  • Referrals & Arrangement for hospital admission
  • Update your family on your progress in hospital

We give You greater coverage

We go the extra mile to give you the most comprehensive benefits which include:
  • No Limit to Number of days of Hospital Stay
  • Dread Disease Recuperation
  • Cash Allowance while hospitalised
  • Cover up to age 80

We offer You flexibility

With a choice of 3 comprehensive plans, you have the flexibility of picking the plan that best suits your needs & budget.

With SmartCare Optimum, there is no restriction on your choice of hospital so you can visit or choose to receive treatment in a Public or Private Hospital.
 
 

Brochures

 
Click to read / download our SmartCare Optimum Brochure and Outpatient Rider.
 

Benefits at a Glance (S$)

  
SmartCare Optimum Plan ELITE
 DELUXE CLASSIC
Annual Policy Limit
Applicable to All Benefits
 1,000,000 500,000 250,000
Hospital & Surgical Benefits
Bed Type (Standard) Single Single Single
Room & Board
Includes meals & general nursing care
 
 
 
 
 
 
 
 
 
 
 
 
 
As charged
 
 
 
 
 
 
 
 
 
 
 
 
 
As charged
 
 
 
 
 
 
 
 
 
 
 
 
 
As charged
Intensive Care Unit
Hospital Miscellaneous Expenses
Includes Prescription drugs, Inpatient Diagnostic Procedures, Operating Theatre Fees & Ancillary Charges
Inpatient Physiotherapy
Ambulance Services
Surgeon's Fee
Includes Inpatient Surgery & Day Surgery
Anesthetist's Fee
In-Hospital Physician's Visit
Pre-Hospitalisation/ Surgery Specialist's Consultation
Up to 90 days
Pre-Hospitalisation/ Surgery Diagnostic Services
Up to 90 days
Post-Hospitalisation/ Surgery Treatment
Up to 90 days
Outpatient Treatment
Due to accident only
Outpatient Benefits Per Year
Outpatient Cancer Treatment 150,000 100,000 75,000
Outpatient Kidney Dialysis 150,000 100,000 75,000
Outpatient Dental Treatment
Due to accident only
 10,000 8,000 5,000
Extended Benefits Per Occurence
Major Organ Transplant As charged As charged As charged
Miscarriage
Due to accident only
 5,000 4,000 3,000
Ectopic Pregnancy 5,000 4,000 3,000
Surgical Implants 10,000 8,000 5,000
Medical Report Fees As charged As charged As charged
Daily Recovery Benefit
After 7 days of hospitalisation, up to 30 days		 250 200 150
Dread Disease Recuperation Benefit
Multiple Sclerosis, Heart Attack, Cancer & Stroke
 
 20,000 15,000 10,000
Special Grant 10,000 8,000 5,000
Bonus Benefits
Parent Accommodation
Up to 60 days per year for child below age 12		 As charged As charged As charged
Home Nursing
Up to 26 weeks
 As charged As charged As charged
Emergency Medical Evacuation / Repatriation1 Unlimited Unlimited Unlimited
Repatriation of Mortal Remains or Local Burial1 Unlimited Unlimited Unlimited
 
1 The above benefits are not subject to annual policy limits.

What's Not Covered
  • Any treatment within the first 30 days of cover except for accidental injuries.
  • Pre-existing conditions which refer to an injury or an illness that existed prior to the effective date of cover.
  • Any injury resulting from acts of terrorism through the use of chemical / biological substances.
  • Other standard exclusions, e.g. congenital conditions, suicide, pregnancy, routine physical examinations.
 
For a detailed list of the exclusions, please refer to the Policy document.

Annual Premium (S$ inclusive of GST)

 
AGE ELITE
 DELUXE CLASSIC
1 750 675 555
2 768 678 559
3 773 680 562
4 779 683 566
5 784 687 570
6 790 688 572
7 795 691 575
8 800 694 579
9 805 697 582
10 812 700 585
11 817 705 587
12 822 708 589
13 827 711 592
14 838 715 597
15 849 719 602
16 860 725 606
17 870 730 611
18 887 735 622
19 898 741 633
20 908 747 644
21 920 752 654
22 930 757 664
23 946 762 672
24 958 768 679
25 960 777 687
26 968 785 694
27 970 794 700
28 982 805 708
29 997 822 714
30 1,019 849 735
31 1,024 865 752
32 1,046 887 768
33 1,072 908 784
34 1,098 930 800
35 1,118 951 817
36 1,144 968 833
37 1,171 984 849
38 1,210 1,006 870
39 1,250 1,044 908
40 1,270 1,087 944
41 1,300 1,119 972
42 1,350 1,158 999
43 1,380 1,212 1,036
44 1,400 1,256 1,064
45 1,458 1,300 1,097
46 1,528 1,345 1,141
47 1,600 1,402 1,196
48 1,676 1,457 1,240
49 1,753 1,513 1,285
50 1,848 1,600 1,370
51 1,942 1,673 1,420
52 2,038 1,729 1,488
53 2,132 1,773 1,561
54 2,238 1,847 1,671
55 2,364 1,926 1,728
56 2,482 2,016 1,813
57 2,613 2,127 1,944
58 2,718 2,247 2,047
59 2,875 2,401 2,172
60 3,016 2,630 2,356
61 3,224 2,789 2,507
62 3,381 3,017 2,655
63 3,519 3,301 2,806
64 3,675 3,512 2,916
65 3,830 3,739 3,039
66 3,985 3,958 3,157
67 4,120 4,128 3,271
68 4,300 4,289 3,399
69 4,481 4,469 3,540
70 4,687 4,660 3,704
71 4,996 4,940 3,948
72 5,305 5,277 4,192
73 5,820 5,726 4,599
74 6,438 6,343 5,087
75 7,210 6,875 5,452
76 7,622 7,234 5,793
77 7,880 7,465 6,001
78 8,034 7,619 6,111
79 8,137 7,722 6,185
80 8,137 7,722 6,185
 
Please note:
  • Benefits & Premium are quoted in Singapore Dollars
  • Age 66 to 80 for policy renewal only
  • All Ages refer to Age next birthday
  • Rates are subject to change without prior notice
     

Eligibility

 
1. Applicants must satisfy the following:
  • Adults from 18 to 65 years old (Age next birthday). Policy renewable up to age 80 (Age next birthday) subject to yearly review.
  • Children from 15 days old to 18 years old (Age next birthday). Policy renewable up to age 25 (Age next birthday) if he / she is enrolled in an educational institution on full-time higher education (and not in full-time national service).
  • Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Holders.
  • Employment Pass Holders, Student Pass Holders, Dependant Pass Holders and Work Permit Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore.

2. Proposal for children must include at least one parent.

Click to read / download our Individual SmartCare Optimum Policy Wording.
 

Insure the smart way. Enrol with SmartCare Optimum. Simply complete the Application Form and mail it back to us.

Money Back Guarantee

You'll have 14 days to review your policy. If you are not satisfied, simply return the policy to us for a full premium refund.

For more information, please call our Customer Service Centre Hotline 1800-880 4741, or e-mail us at newenquiry@axa.com.sg.
 
(+65) 1800 880 4888