SmartCare Shield

No one expects sudden death, or accident. But you can choose the way of managing the unexpected by sharing it with AXA. So, give your loved ones a second chance.

Affordable. Flexible. Simple.

This is a highly flexible plan where you can design the benefits to suit your needs at an affordable price.

Brochure

Click to read / download our SmartCare Shield Brochure.

Frequently Asked Questions (FAQ)

Click to read / download our Frequently Asked Questions (FAQ) on our Personal Accident products.

Why is AXA Everybody's Preference?

Loan Protector benefit that covers your financial liabilities
Parent's Shield provides for their needs
Children's Education Fund ensures that their future is well taken care of
Free incremental sum insured up to 25%
Double indemnity against natural disaster
Enjoy up to 10% family discount
Full Terrorism cover
Money back guarante
24 Hour world-wide coverage
Hotline 1800-880 4741

Free Additional Cover

Accidental dental treatment, insect / animal bites, dengue fever, food & drinks poisoning, amateur sports and activities
Disappearance
Hijack, riot, strike, civil commotion, murder & assault
Motorcycling

Table of Benefits For Permanent Disablement

This compensation scale listed below is a percentage of the sum specified under Permanent Disablement.

Description		Compensation Percentage
		Scale I	Scale II
Permanent Total Disablement		100%	100%
Loss of two limbs		100%	100%
Loss of both hands or of all fingers and both thumbs		100%	100%
Total and permanent loss of sight of both eyes		100%	100%
Total paralysis		100%	100%
Injuries resulting in being permanently bedridden		100%	100%
Loss of hand at wrist		100%	100%
Loss of arm	- at shoulder - between shoulder and elbow - at and below elbow	100%	100%
Loss of leg	- at hip - between knee and hip - below knee	100%	100%
Loss of	- four fingers and thumb of one hand - four fingers of one hand	Nil	50% 40%
Loss of thumb	- both phalanges - one phalanx	Nil	25% 10%
Loss of index finger	- three phalanges - two phalanges - one phalanx	Nil	15% 10% 5%
Loss of middle finger	- three phalanges - two phalanges - one phalanx	Nil	10% 7% 3%
Loss of little finger	- three phalanges - two phalanges - one phalanx	Nil	10% 7% 3%
Loss of metacarpals	- first or second (additional) - third, fourth or fifth (additional)	Nil	3% 2%
Loss of toes	- all - great, both phalanges - great, one phalanx or any other toes	Nil	15% 5% 2%
Loss of hearing	- both ears - one ear	Nil	75% 20%
Loss of speech		Nil	50%
Loss of	- sight in one eye, except perception of light - lens of one eye	Nil	50% 50%

*Notes:

Permanent total loss of use of member shall be treated as total loss of member.
In the event of Permanent Disablement by physical loss or loss of use not specified above, the percentage of compensation shall be assessed in proportion to the degree of disability as compared with the cases specified without reference to the profession or occupation of the Insured.
The aggregate of all percentages payable in respect of any one accident shall not exceed 100% of the Capital Sum Insured.
Benefits for Temporary Total Disablement and/or Temporary Partial Disablement shall be payable up to 104 weeks only.

Annual Premium Table

Benefits		Annual Premium (S$)
		For Each Amount Of	Class Of Occupation
			Class I	Class II	Class III
Life's Essential
Accidental Death		10,000	3.10	3.70	4.70
Permanent Disablement (Total and Partial)	SCALE I	10,000	1.50	1.80	2.30
	SCALE II	10,000	3.10	3.70	4.70
Temporary Total Disablement (Up to 104 weeks)		100	17.10	21.70	30.20
Temporary Partial Disablement (Up to 104 weeks)		50	10.30	13.70	18.20
Health Maintenance
Accidental Medical Expenses Chinese Physician Expenses (Up to $300 per accident) Accidental dental treatment, insect/animal bites, dengue fever, food & drinks poisoning (Up to $800 per occurrence)		500	11.40	13.70	17.10
		1,000	14.80	18.20	25.10
		2,000	22.80	26.30	37.70
		3,000	28.50	34.20	46.80
		4,000	34.20	41.00	54.70
		5,000	40.00	47.90	61.60
Daily Hospital Allowance (Up to 50 days per year)		100, up to 500 per day	54.30	65.20	81.50
Lifestyle Maintenance
Income Protection		6 mths salary, up to 30,000	55.00	65.00	80.00
Loan Protector		Up to 3,000
Children's Education Fund		10,000 per child, up to 3 children
Parent's Shield		8,000 per parent
Compassionate Cash Relief		3,000

Compulsory Cover: Accidental Death
Minimum premium for SmartCare Shield is $60.00
Permanent Disablement cover must be equal or up to 150% of the Sum Insured of Death benefit
Medical Expenses cover may be up to a maximum of 5% of Accidental Death Benefit or $5,000, whichever is lower
Premium quoted above are inclusive of GST and may be subject to change without prior notice
Maximum sum insured per child $100,000

This brochure is not a contract of insurance. For full terms and conditions, please refer to the Policy which is the operative document

Classification of Risks
Class I - Persons engaged in professional, administrative, managerial, clerical and non-manual work solely in office or similar non-hazardous places
Class II - Persons engaged in work of a supervisory nature and others not in Class I whose duties do no involve the use of tools or machinery or expose them to any special hazard
Class III - Persons engaged in manual work not of particularly hazardous nature but involving the use of tools or machinery
Referred risks - Persons working in Security Organisations, Construction Industries, Entertainment Industries, Drivers and Carpenters and Class III risks

Policy Wording

Click to read / download our SmartCare Shield Policy Wording.

Eligibility

Adults from 18 to 65 years old (age next birthday). Policy renewable up to age 75.
Children from 15 days to 18 years old (age next birthday), who are unmarried and unemployed. Policy renewable up to age 25 if studying full-time in a recognized institution of higher learning.
Singapore Citizens, Permanent Residents of Singapore, Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Pass Holders.
Employment Pass Holders, Student Pass Holders, Dependant Pass Holders or Work Permit Pass Holders must supply a copy of their respective pass or work permit and a bona fide residential address in Singapore.
Proposal for children must include at least one parent.

Main Exclusions

War, warlike perils and nuclear risks.
Suicide or self-inflicted injury.
Participation in any professional sports or dangerous activities such as parachuting, sky diving and bungee jumping (except hiking, trekking, rock climbing, winter sports, leisure scuba diving under the supervision of a qualified diving instructor and motorcycling).
Any kind of competitive racing (other than on foot).
Air crew, ship crew, professional sportsperson, occupations involved in diving, oil-rig platform; on-board vessel or offshore work, fire-fighting, police or military operations or occupations of hazardous nature such as involving height, depth or heat.

Enrol Today!

Make the smart choice. Enrol with SmartCare Shield today! Simply complete the Application Form and mail it back to us.

Money Back Guarantee

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

For more information, please call our Hotline at 1800-880 4741, or email us at newenquiry@axa.com.sg.