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Personal Accident Insurance

SmartCare Prime

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SmartCare Prime is more than a conventional Personal Accident policy – it provides protection for 3-generation families. Ensure comprehensive coverage not just for you, but your children and parents as well.




  • 18 - 65 years old, renewable up to age 75.
  • Children from 15 days - 18 years old who are unmarried and unemployed, or up to age 25 if studying full-time during the policy period.

Persons Eligible
for Cover

Singapore Citizens, Singapore PRs, or holders of valid employment or student passes, long term social visit or dependant passes.

Applicable for Class I
and II Occupations

SmartCare Prime is appropriate for indoor and non-manual types of occupations.


  • For family cover, spouse or child’s plan must not be higher than the policyholder’s.
  • Child must be insured with at least one parent, subject to maximum 50% of the policyholder’s benefit.


Maximum 182 consecutive days outside Singapore.


Air or ship crew, professional sportsman, occupations involving diving, offshore work, fire-fighting, police, naval or military operations or occupations of hazardous nature such as involving height, depth or heat.


Participation in professional sports or hazardous activities such as parachuting, sky-diving, bungee jumping, racing other than on foot, etc.

Apply for SmartCare Prime 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.