AXA Travel Insurance in Singapore 2019 Review
AXA Smart Traveller - Best in the market for Flight Delay and Baggage and Belongings coverage. Two tiers of travel insurance plans are being offered: Essential and Comprehensive. Both plans offer comprehensive coverage for travel inconvenience benefits and medical coverage, at competitive pricing. Current pricing starts from as low as $10.
AXA Travel Insurance Promotion:
Single Trip - use Promo Code "SINGT3" for 30% + 10% Discount;
Annual Trip - use Promo Code "SINGP3" for 10% + 8% Discount.
AXA Travel Insurance Promotion:
Single Trip - use Promo Code "SINGT3" for 30% + 10% Discount;
Annual Trip - use Promo Code "SINGP3" for 10% + 8% Discount.
Pros
- Adventurous activities cover
- Full terrorism cover
- Unlimited Emergency Medical Evacuation/ Emergency Repatriation
Cons
- No benefit payable for extreme sports
- Only 2 tier plans: Essential and Comprehensive (most insurers offer 3 options). In terms of Travel region: AXA offers “Regional” or “Global Worldwide”. Most insurers offer 3 to 4 sub-sections (Asean, Asia, Worldwide, Worldwide excluding USA and Canada). Hence, a trip to certain areas under Asean, is still classified under “Regional” pricing.
- No benefit payable for loss of frequent flyer reward points or holiday points used.
AXA Smart Traveller offers consumers high value plans with comprehensive coverage. AXA’s Smart Traveller Plan offers 2 choices in terms of travel region: Regional or Global Worldwide.
| AXA Travel Insurance - Product Summary |
|---|
|
High Medical Coverage
Up to S$600,000 whilst overseas and up to S$60,000 post-trip. |
|
24-hour Emergency Medical Assistance
AXA offers 24-hour emergency medical assistance benefit. |
|
Full Terrorism Cover
Event arising from use of nuclear, chemical and biological substances. |
|
Personal Accident Cover
Up to S$1,000,000, starting 3 hours before departure. |
|
Unlimited Emergency Medical Evacuation and Repatriation
Unlimited emergency medical evacuation and repatriation benefit. |
|
Fraudulent Personal Credit Card Use
Covers financial loss due to unauthorised charges made to your lost or stolen credit,
charge or bank card while overseas. |
Table of Content
Exclusions
| Medical Exclusions | Trip Inconvenience and Sports Exclusions |
|---|---|
| Pre-existing medical conditions (including congenital conditions) | Extreme Sports or underwater activities requiring the use of artificial breathing apparatus. Expedition to inaccessible and remote areas of a country or areas previously unexplored. |
| Pregnancy, miscarriage, childbirth or abortion and their complications | Participation in sports activities to receive financial compensation |
| Travelling against Medical Practitioner’s advice/ Travelling for the purpose of getting medical treatment | Items taken/ destructed by customs or other officials |
| Elective cosmetic surgery | War, rebellion, revolution, insurrection, conspiracy, civil commotion and nuclear reaction or contamination, ionising rays or radioactivity |
| HIV, AIDS and/or any sexually transmitted disease. | Loss of frequent flyer reward points or holiday points used, in part or full, to pay for any part of the trip. |
Types of Plan
AXA’s Smart Traveller Plan offer two tiers: Essential and Comprehensive. For more details on the benefits and exclusions, you are advised to refer to the policy wordings.
| Plan Type | Cancellation | Medical Coverage (Overseas) | Bags/Belongings |
|---|---|---|---|
| Essential | $6,000 | $300,000 | $5,000 |
| Comprehensive | $12,000 | $600,000 | $10,000 |
Add-Ons Available - Golf Equipment including Hole-in-one celebration, Sports
Equipment, Pet Care, Rental Vehicle Excess and Safety: (1) Hijacking; (2) Kidnap
and Hostage; (3) Home Care Benefit - Household Contents and/or valuables within
usual place of residence is lost or damaged due to fire or theft by violent and forcible
entry while you are overseas.
AXA SmartTraveller Essential
Is great for personal accident and medical coverage that isn't too expensive and is value for money. AXA Essential Plan stands out for featuring high coverage for personal accident/death and baggage loss/damage per item basis, as well as competitive medical coverage. Personal accident coverage of up to $500,000 and Baggage Delay is at $200 for every six hours of delay overseas capped at $1,000.AXA SmartTraveller Comprehensive
Plan offers competitive value in its personal accident coverage. It also features high coverage for baggage loss/damages and delays. Personal accident coverage of up to $1,000,000 and Baggage Delay of S$200 for every six hours of delay overseas capped at $2,000.Pricing
We will look at pricing comparison across various plans for both Single Trip and Annual Trip. AXA offers only 2 tier of Plans: Essential and Comprehensive. Essential Plan is used for Mid-Tier Plan comparison, whereas the Comprehensive Plan is used for Top-Shelf comparison. In addition, AXA only offers Regional (equivalent to Asia) and Global (Worldwide) for travel region. The benefits offered by Essential Plan is similar to the mid-tier plans of most insurance companies, yet the pricing is slightly lower than industry average. We recommend AXA Smart Traveller for consumers who value quality at competitive pricing!
Mid-tier Plan
| AXA SmartTraveller Essential | Industry Mid-tier Plan Average | |
|---|---|---|
| 1 week ASEAN | NA | $33 |
| 1 week Asia | $37 | $41 |
| 1 week Worldwide | $50 | $59 |
| Annual ASEAN | NA | $206 |
| Annual Asia | $280 | $242 |
| Annual Worldwide | $388 | $332 |
Top Shelf Plan
| AXA SmartTraveller Comprehensive | Industry Top Shelf Plan Average | |
|---|---|---|
| 1 week ASEAN | NA | $47 |
| 1 week Asia | $47 | $58 |
| 1 week Worldwide | $62 | $80 |
| Annual ASEAN | NA | 272.28 |
| Annual Asia | $454 | $310 |
| Annual Worldwide | $603 | $430 |
How to Claim
Submit claims through these AXA channels:
Website: File a claim
Claims Hotline: +65 6880 4888 (9am-5pm, Monday - Friday)
24-Hour Assistance: +65 6322 2566
Claims Email: cst@axa.com.sg
Address: 8 Shenton Way, #24-01 AXA Tower, Singapore 068811
Looking for other travel insurance plans? Check out the Best Travel Insurance in Singapore 2019 or use our travel insurance comparison tool.
