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Health Insurance

SmartCare Optimum Enhanced

  • Intro
  • Features
  • Before You Apply
  • Downloads
  • FAQ
  • Contact Us

Introduction

SmartCare Optimum Enhanced offers you a wide range of benefits to cover all your everyday healthcare needs. The 3 surprisingly affordable plans provide comprehensive hospitalisation, GP and SP cover as standard and even include the option to add on dental and travel inconvenience protection to cover all eventualities. Now you can rest assured that you will be protected against ever increasing medical costs, allowing you to focus on the more important things in life.

  • High Inpatient Benefit Limit & No Surgical Percentage for Surgeon Fee – policy limit of up to S$1 million a year
  • Outpatient GP & Specialist Cover – no need to purchase additional coverage to protect yourself against outpatient costs
  • Dental Rider – enhance your coverage with our new dental rider
  • Coverage of Chronic Conditions – Pre-existing Chronic conditions are covered under Outpatient General Practitioner (Non panel) & Outpatient Specialist Care after a waiting period of 12 months
  • Travel Inconvenience Rider – complements and enhances existing overseas benefits

Features

BEFORE YOU APPLY

Entry
Age

18 years old (Age Next Birthday).

Maximum
Entry Age

65 years old (Age Next Birthday).

Maximum
Renewable Age

80 years old (Age Next Birthday).

Currency

Singapore Dollar.

Guaranteed
Renewable

No. This plan is Yearly Renewable.

Exclusions

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

Frequently Asked Questions

Yes, but dependant’s cover must not be higher than the policyholder. For Dental Rider, all family members must choose the same plan as the policyholder.

We offer 10% family discount for three (3) or more family members covered under the same policy. Families must include at least 1 Insured Adult.

No, proposals for children must include at least one parent or guardian. Children must be aged at least eighteen (18) years at their next birthday to be eligible for a standalone policy.

We will not change the terms of your policy simply as a result of your personal claims experience. Premiums are decided based on the age of each insured member and also the overall claims experience of all individuals insured with us on the same plan. This community pricing helps minimise fluctuations in your premiums year on year.

Yes, if you are outside Singapore for periods not exceeding ninety (90) consecutive days at a time. For inpatient other than Emergency Treatment, our liability is limited to charges for equivalent treatment in Singapore General Hospital, subject to the maximum limits of your Plan. For outpatient treatment, we will cover under the General Practitioner Overseas Treatment benefit up to the maximum limit per visit of your Plan.

Pre-existing (non chronic) are covered under Outpatient General Practitioner & Outpatient Specialist Care only. Pre-existing Chronic conditions are covered under Outpatient General Practitioner (Non panel) & Outpatient Specialist Care after a waiting period of 12 months.

A chronic condition is a medical condition or episode of ill health which persists for a long period or indefinitely.

The list of chronic conditions include:

  • All forms of Diabetes
  • Asthma
  • Brain Tumour
  • Benign Prostatic Hyperplasia
  • Cancer
  • Crohn’s disease
  • Chronic Obstructive Pulmonary Disease
  • Dementia
  • Heart Disease
  • Hepatitis B &C
  • Hypertension
  • Hypothyroidism
  • Kidney failure
  • Lipid Disorders
  • Liver Cirrhosis
  • Multiple sclerosis
  • Nephrosis/Nephritis
  • Osteoarthritis & Rheumatoid arthritis
  • Parkinson’s Disease
  • Systemic Lupus Erythematosus
  • Stroke
  • Ulcerative Colitis

You can enjoy cashless visits by presenting your membership card, or e-membership card, upon arrival. The only exception is when the appointment is for a chronic condition. In these cases you will be required to make payment to the clinic first and then seek reimbursement from AXA.

Yes. The policy pays for inpatient or daycare treatment of congenital conditions up to the limit shown in “Congenital Condition Benefit” and subject to the below criteria:

The birth defects must either be first diagnosed by a Physician or have symptoms which first appeared:

- after 24 months from 1 August 2015, which is the date on which this Congenital Conditions Benefit first became effective; or

- after 24 months from the Effective Date of the policy, whichever is later.

When the dental rider is selected, all insured adults under a Policy are also required to take up the Dental Rider (with the exception of Children, for whom Dental Cover is not compulsory).

Our intention is to offer you with a basic level of travel insurance which covers Accidental Death & Total Permanent disability and Travel Inconvenience benefits at a very attractive premium.

The cost savings are achieved through the removal of duplicated overseas medical expense benefit and Evacuation & Repatriation Benefit which are already included under the SmartCare OptimumEnhanced plan.

However, please note that overseas coverage is available only if you are outside Singapore for periods not exceeding ninety (90) consecutive days at a time.

You are eligible to purchase the Adult cover for Travel Inconvenience Rider if:

(a) You hold a valid Singapore identification document such as Singapore NRIC, Employment Pass, Work Permit, Long Term Visit Pass, Dependent Pass or Student Pass; and

(b) You are at least eighteen (18) years old on the effective date of the Policy.

You are eligible to purchase a Child cover for Travel Inconvenience Rider if at the point of travel:

(a) You hold a valid Singapore identification document such as Singapore NRIC or Birth Certificate, Long Term Visit Pass, Dependent Pass or Student Pass; and

(b) You are below 18 years old, or up to 25 years old if enrolled to study full-time in a recognised institution of higher learning.

For any Child below 18 years old, the application must be made in the name of the parent. The benefit limits under ‘Child Cover’ will apply.

Any Child must be accompanied by at least one parent for each trip.

                    
                    

Apply for SmartCare Optimum Enhanced 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.

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AXA Contact Info
Tel: 1800 880 4888 (Within Singapore) / +65 6880 4888 (International)
Fax: +65 6880 4740
8 Shenton Way, #24-01 AXA Tower, Singapore 068811

AXA Customer Centre is located at:
#01-21/22. (For Parking please click here)

Operating Hours: 9:00am – 5:30pm (Monday – Friday)