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International Health Insurance


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InternationalExclusive is an expatriate insurance plan that gives you access to the best possible medical care whether you live within Asia or are travelling abroad.




18 years old. (Attained Age)

Entry Age

80 years old. (Attained Age)


Singapore Dollar


No. This plan is Yearly Renewable.


You are advised to read the policy contract for the full list of exclusions.

Frequently Asked Questions

There are three (3) plans available along with three (3) areas of cover and three (3) levels of deductible giving you multiple ways to meet your healthcare needs and budget.

  • Plan A - Comprehensive Inpatient and Outpatient treatment, Optical Care benefit, Dental benefit, Health Screening and other essential benefits. Optional Maternity coverage available under Plan A.
  • Plan B - Comprehensive Inpatient and Outpatient treatment including vaccination
  • Plan C - Comprehensive Inpatient treatment and essential Outpatient treatment

The last entry age is eighty (80) years old.

There is no maximum expiry age for cover. Provided the plan you have chosen is still available, you can continue to renew the policy at the terms and conditions applicable at each policy anniversary.

A deductible is an amount you need to pay towards the covered expenses before we start paying for your treatment. A co-insurance is a share of the eligible medical expenses that you need to pay.

There are three (3) levels of deductible and co-insurance available as an option for you to reduce your premium. Please refer to the benefits table for details on whether the annual deductible or co-insurance is applicable.

An example illustration

Based on eligible expenses for a member insured under Plan A with Option 1 $700 deductible and 20% co-insurance.

You can use the AXA Panel Clinic Listing and Locator to find a General Practitioner clinic that is convenient for you to visit.


We offer 10% family discount if there are three (3) or more family members who are covered under the same plan.

An example illustration

Yes, you can. A 20% premium loading on the prevailing brochure premium rates will apply if your child is aged fifteen (15) days to five (5) years old at the time we accept your application or renewal (whichever is applicable). However, the parent or the guardian must still be the policyholder.

If you are a Singaporean national, you will be able to renew your policy if you return to your home country.

If you are not a Singaporean national and you are returning to your home country to live, you will not be able to keep on renewing this policy. We will provide cover until the policy expiry date where the customer ceases to be eligible under InternationalExclusive.

Whenever you change your principal country of residence, you must notify us about any change as this may impact your premium.

Failure to notify us about any change in principal country of residence may impact the level of cover.

Yes. You can change your plan level or area of cover upon policy renewal. Any upgrade in cover is subject to our approval.

We may consider such request. Please complete an upgrade form together with the supporting documents for our review.

We will not change the terms of your policy alone simply as a result of your personal claims. The premium payable at each policy renewal is determined based on the attained age of each member and may change according to past or foreseeable changes in medical practice or procedures and the type and frequency of claims made generally by all those of our members covered under the same plan as you.

Yes, you are covered up to the amount shown in your benefits table for emergency treatment which arises suddenly when you are outside your area of cover. You are not covered if you have travelled outside your area of cover to get treatment or it is not an emergency treatment, and also, under no circumstance this benefit is payable for any aspect of pregnancy or childbirth.

Our plan A & B provides cover for pre-existing conditions after 9 months (270 days) of consecutive membership, provided that you have declared the pre-existing conditions on the application form and your application is accepted by us, and also, provided the pre-existing conditions are not part of the exclusions/limitations.

Yes, you are free to choose any recognised doctor for your treatment in any country within your chosen area of cover subject to Reasonable and Customary charges.

There is no additional co-payment if you go outside the AXA network. However, we may not be able to arrange direct settlement facilities for your treatment.

By seeking our authorisation in advance, we will confirm if your treatment is eligible under your policy and if the cost is within the remaining benefit limit of your plan. You will be protected from any unexpected costs.

Babies conceived through assisted conception are eligible to be covered subject to our approval. However, any treatment for any condition or complication arising therefrom or associated therewith assisted conception/assisted pregnancy (such as but not limited to premature or multiple births), that has arisen, or for which the need has arisen, during the first ninety (90) days after birth will be excluded.

Yes. The policy pays for treatment of congenital conditions up to the limit shown in “New Born Cover – congenital conditions” on Plan A or “Pre-existing conditions and congenital conditions” on Plan A or B.

Yes. For pre-hospitalisation, we will pay for consultations (including prescribed investigations and essential medications) from which the need for hospitalisation is concluded.

Post-Hospitalisation treatment is covered up to 90 days from the date of discharge from the hospital for an eligible in-patient treatment or daycare treatment.

Any other eligible out-patient consultation and treatments related to the same condition but not resulting in hospitalisation are covered under Primary and Specialist care (only available under Plan A & B).

Treatment for HIV/AIDS is covered on Plan A as a result of occupational accident or blood transfusion. This is available when signs or symptoms for HIV/AIDS are present for the first time after the member is insured on Plan A after 36 months of continuous membership.

In general, we would recommend international medical insurance for foreigners due to the high annual cover limit and extensive global coverage.

Depending on your needs and budget, International Exclusive plan has 3 plan types with varying annual limits to choose from.

All International Exclusive plans covers dental treatment due to accidental damage to natural teeth.

All International Exclusive plans cover pre and post-natal complications. However, only Plan A covers pregnancy and childbirth, up to $22,000.

Do note that all maternity benefits mentioned above are available only after 365 consecutive days of membership.


Apply for InternationalExclusive or submit your enquiries:

Thank you for your submission. We will contact you shortly.

To apply for our product, please fill up this form and we will contact you as soon as possible.
For general enquiries, please click here. For claim enquiries, please click here.

Alternatively, you can call us at:
1800 880 4888 (Within Singapore)
(+65) 6880 4888 (International)

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Important Notice

This insurance plan is underwritten by AXA Insurance Pte Ltd. The information featured in this website is published for general information only and is not a contract of insurance. The precise terms and conditions of the plan are specified in the policy contract. A product summary for the insurance plan is available and may be obtained from AXA Insurance Pte Ltd and the participating distributors' offices. You should read the product summary before deciding whether to purchase the plan.

You may wish to seek advice from a qualified adviser before making a commitment to purchase the insurance plan. In the event that you choose not to seek advice from a qualified adviser, you should consider whether the plan in question is suitable for you.

The insurance plans featured in this website may be protected under the Policy Owners' Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for such plans are automatic and no further action is required from you should you buy the plan. 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, GIA or SDIC websites (www.lia.org.sg, www.gia.org.sg or www.sdic.org.sg) for a copy of the SDIC Guide on PPF Scheme.