AXA eMedic Medical Card
Provided by AXA Affin Life Insurance Berhad
Provided by AXA Affin Life Insurance Berhad
You are at the prime of your health, but are you fully prepared for this adventure called Life? Look no further. Introducing AXA eMedic, a standalone online medical insurance that ensures you have affordable and easily accessible protection against rising costs of medical fees. AXA eMedic is available for those aged between 15 days and 49 years, with an annual limit of up to RM100,000, renewable up to age 80. AXA eMedic is the ideal plan for you and your family, if you are looking for your first medical protection or supplementary medical protection for your existing plan.
Only answer a few questions related to your health and you are covered.
Hear from actual eMedic customers what they think about AXA eMedic and why the believe it is the right medical card for them. Alya Zahra, Jarret Ng, Nurul Fatin and Raja Aidit share their experience.
“the fact that is affordable … wow it’s really incredible”
“AXA has the same value and also the same coverage at a much more affordable price”
Recover at your own pace. Enjoy flexibility with no limitation on days for room and board accommodation, with a daily room limit of RM250 and the option of a double-bedded room in most hospitals.
eMedic only has an annual limit. Depending on how much you choose RM 20,000, RM 50,000 or RM 100,00 you annual limit resets at the end of each policy year.
When buying a medical insurance or medical card, it is important to ask if renewal is guaranteed. AXA eMedic guarantees renewal up until the age of 80 years.
Why is guaranteed renewal so important?
Imagine that you have heart stroke and . Luckily the insurance company covers all the cost. However, when the insurance is due for renewal, the insurance company does not allow you to renew. Now it will be difficult to get insurance from another company, because you have now a medical history of hearth stroke. With guaranteed renewal, the insurance company will still renew your insurance and you are still covered.
Convenience when you need it the most. Get quick access to medical care by just presenting your online medical card for hospital admission.
|Plan Name||Room & Board / day?||Annual Limit?||Lifetime Limit?||Admission?||Renewal?||Renewable?|
|Plan 20||RM 250||RM 20,000||Unlimited||0-49 years||Guaranteed||up until 80 years|
|Plan 50||RM 250||RM 50,000||Unlimited||0-49 years||Guaranteed||up until 80 years|
|Plan 100||RM 250||RM 100,000||Unlimited||0-49 years||Guaranteed||up until 80 years|
Just present the online medical card to the hospital and we will pay the eligible medical expenses that you incurred subject to the annual limit of the plan you purchased. For plan with deductible, you will need to pay for eligible expenses up to the deductible amount per hospital admission before we cover the remaining expenses.
You will need to pay for the medical expenses first, and then submit the claim to AXA AFFIN Life Insurance Berhad for reimbursement via
For the reimbursement, you will need to submit the following:
AXA may request for additional copies of report for e.g. test result in certain situations.
RM1,000 deductible per hospital admission means that you are to pay for the first RM1,000 of the eligible medical expenses incurred for that hospital admission. We will pay the balance of the medical expenses after deducting the first RM1,000.
For example, the eligible medical expenses = RM10,000
Deductible amount per hospital admission = RM1,000
Amount to be paid by you = RM1,000
Amount to be paid by us = RM10,000 – RM1,000 = RM9,000
It is cheaper because you will need to bear some of the eligible medical expenses for the plan with deductible
No, the premium payable will increase according to your age.
Any change of premium will only be effective starting next anniversary of your policy and we will give you at least 90 days’ notice prior to the change. However, any change of premium will only be made if the overall claim experience of this class of business is worse than expected.
Annual limit is the maximum eligible medical expenses that we pay every year.
The upgrade is provided to you via invitation upon policy renewal and is subject to terms and conditions.
Medical checkup is not required to enroll for this plan.
Yes, you can. Please see below for the claim process. Try to go to a panel hospital, because the process is simpler and you do not need to pay in advance. Follow this link “Panel Hospitals” and go to “Panel Hospital Locator” to find a hospital near you.
An online medical card will be available to you via “My AXA Health” Mobile App. You may also login into https://www.myaxahealth.com/ to access your medical card. There is no physical card. You do not need one.
Yes, you are covered up to 3 times per Any One Disability for clinic visits for Bodily Injury resulting from an accident. For this claim, the treatment must be sought within 24 hours. Besides, you are covered up to 3 clinic visits for consultation & diagnostic test preceding confinement in a hospital due to illnesses.
Yes, you can. However, please note that this product does not cover any medical or physical conditions occurring within the first 30 days or Specified Illnesses within the first 120 days, except for injuries due to accidental causes. Injuries due to accidental causes is an injury which is caused by accident and with the evidence of a visible bruise or wound on the body.
Specified Illnesses means any one of the following Disabilities and its related complications:
No, the upgrade of plan is subject to terms and conditions and only offered through our invitation upon policy renewal.
You just need to present the online medical card to our panel hospital or mention our Third Party Administrator name (MediExpress) for the admission arrangement. However, please note that the hospital may require you to pay a deposit before admission.
RM250. If your room and board is higher than RM250 per day, we will only pay up to RM250 per day and you will have to pay for the excess. So if you want to splurge on a private room, you can.
If the annual limit is insufficient to cover your medical expenses, you will have to bear the differences of the medical expenses. Thus, it is advisable to ensure that you have sufficient medical coverage at the very beginning
You will receive the policy documents via email within 3 working days. In the event you did not receive the policy documents, kindly leave us a message at WhatsApp at 017-641 8867, email us at [email protected] or contact AXA AFFIN Life Customer Care Helpline at 1300-88-1616.
This plan does not cover any Hospitalisation, Surgery or charges caused directly or indirectly, wholly or partly, by any one of the following occurrences:
This is a guaranteed renewable medical plan. You are required to pay the premium if you would like to continue your policy.
Follow this link “Panel Hospitals” and go to “Panel Hospital Locator” to find a hospital near you.
If you missed any premium payment and provided that your policy has not lapsed, you may be able to use the medical card, however, you may face some interruption during the discharge process from the hospital and You will need to pay back the premium owed since the premium due date.
No, this product does not invest in any investment fund(s).
If you cancel the policy within 15 days from the date of transmission of your policy to you, we shall refund the Basic Premium paid. However, no refund can be made when a claim has been admitted.If you cancel the policy after the 15 days period, you will receive the refund pro-rated.