You Can Plan

for the Unexpected

Health MaX
Your Lifetime Health Coverage

Disturbing
Statistics

Critical illness can happen

to anyone, at any time.
What if it happens to you?

Heart attack, stroke, and

cancer are the top
causes of death in the
Philippines.

5 Filipinos die of cancer

every hour.

So you believe
youre ready
for Work. You always do your best to meet your goals, exceed your targets, and beat those
deadlines.
for Family needs. Youre committed to helping your loved ones at all stages of life, from birth to
school, and even after they retire.

276 people in this country

suffer from a fatal heart
attack every day.
[Source: Department of Health, 2009]

Are you prepared

to cover the costs
of treatment?

for your basic Health. Youve got an HMO plan or savings to deal with ordinary medical problems.
But are you prepared to deal with a major medical emergency? What would happen if today
you have a major heart attack? you find out that you have cancer? you suffer a stroke?
How will you manage to survive the treatments physically and financially? Will you have to sell your
assets, borrow money, or set aside your plans for the future?

Will your dreams have to stop?

CANCER: about -P-60,000

for one chemotherapy
session or up to
-P-400,000 for a full cycle
of treatment.

53%

of medical treatments

are still paid out-of-pocket

[Source: National Statistical Coordination Board, 2011]

All of your careful savings can be used up by unexpected health issues. You might also have to
make tough decisions like sell off your assets just to raise enough funds for recovery and sustain
your familys well being.

It pays to prepare early for the unexpected.

HEART DISEASE:
approximately -P-900,000
for a triple bypass surgery.

STROKE: P400,000 for

brain aneurysm surgery.
[Source: Medical Tourism Guide, 2009]

provides a solution to cover

major medical emergencies.

Health MaX is your secured

lifetime health plan, that fits your
needs, now and in the future.

Health MaX

provides you coverage

for an extensive list of
major and minor
medical conditions.
This means that you
have funding for
medical expenses in
case you get diagnosed
with a critical condition,
from now until you reach
the age of 100.

Heres how you can get

Maximum Health Coverage
for life until age 100

Health
Coverage

AGE

AGE

Youre at the peak

of your career. Its
the best time to
purchase Health
Max for a monthly
premium of
-P-2,868.

Unexpected
Policy is fully
diagnosis of a
paid up.
cardiovascular
disease. Receive
-P-200,000 (20% of
policys effective
sum insured) for
angioplasty
treatment.

Policys Original
Sum Insured:
-P-1,000,000

Policys Effective
Sum Insured:
-P-800,000

35

40

AGE

55

Policys Effective
Sum Insured:
-P-800,000

AGE

AGE

AGE

Retirement. HMO
coverage expires,
but remain
covered by Health
Max until
age 100.

Have the option to

withdraw as much
as 20% of your
original sum
insured for
medical
emergencies.

End of coverage.
Receive a maturity
benefit of
-P-800,000
(provided no
other claims
nor withdrawals
were made)

65

70

Policys Effective
Sum Insured:
-P-800,000

100

Policys Effective Maturity

Sum Insured:
Benefit:
-P-800,000
-P-800,000
(assuming no
withdrawals made)

*Sample illustration for 35 years old, male, non-smoker, and with P1 million coverage

Pay during your prime. Be secured for a lifetime.

Health MaX
Maximize your benefits with Health Max
Have a secure medical fund when the need arises.
Receive cash benefits you can use as payment for treatments and recovery in case of major and minor critical
illness diagnosis.

Get the broadest range of coverage, including minor critical conditions.

Health Max is specially designed to cover 18 minor critical conditions excluded by other health plans, such as early form
of cancer (carcinoma in situ) and angioplasty, and also provides coverage for 56 major critical conditions, including heart
attack, stroke, and cancer. Plus, you can claim twice for minor critical conditions over the period of coverage and get as
much as 20% of the original sum insured for each minor critical condition.

Plan according to your budget.

You can choose to pay for 20 years or up to age 65 to suit your available budget.

Have maximum lifetime health coverage.

Health Max guarantees medical coverage until age 100 when most health plans have reached its end.

Have available funds for medical emergencies as you grow older.

The Advanced Health Fund gives you the option to withdraw a portion of your original sum insured starting age 70.
Advanced Health Fund withdrawable amounts:
Age
70
75
80
85
Accumulated Amount
20% of sum insured 35% of sum insured 45% of sum insured 50% of sum insured
of Available Fund
-P-200,000
-P-350,000
-P-450,000
-P-500,000
Sample Computation*

Show your care for loved ones with life insurance benefits.
Your family and loved ones will remain financially secure even after your untimely demise from the first day of your policy
until age 100.

Enhance your plan with supplementary protection.

You can choose to attach additional coverage for accident and hospitalization. If you are buying a Health Max plan for your
child, ensure that his/her policy remains inforce no matter what happens through the Payors Clause Rider.
*Note:
Sample computation for a sum insured of -P-1 million.
The amount that can be withdrawn increases as a percentage of original sum insured if no previous withdrawals are made.
Any withdrawals made from the Advanced Health Fund shall be deducted from the payable major critical condition or death benefit.

Choose Health MaX,

your lifetime health coverage
Help us plan for your lifetime
health needs. Talk to your AXA
Financial Partner or email
customer.service@axa.com.ph
AXA Philippines
GT Tower International
Ayala Avenue corner H.V. dela Costa St.
Makati City, Philippines
+632 5815-AXA (292)
+632 3231-AXA (292)
www.axa.com.ph

THIS FINANCIAL PRODUCT OF AXA PHILIPPINES IS NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE
CORPORATION (PDIC) AND NOT GUARANTEED BY METROBANK