employee health & benefits

Employee Health & Benefits

Better Me Business provides your employees comprehensive health protection and holistic wellness services with no starting minimum group size.

* For policy plan with a group size of 1 employee, there will be 60% loading across medical benefits (excluding GTL, GCI and GPA) for all insured members. ^ The following wellness services are o�ered by our appointed service providers. AXA Insurance Pte Ltd has no liability in any manner and shall not be liable for any loss arising out of or howsoever caused by any advice given or services rendered by or any acts or omissions of any service providers.**Only applies for members who take up Group General Practitioner (GP) rider.

When you are working hard to take your business to the next level, you and your team should be well taken care of to keep your business running smoothly. From medical coverage to holistic wellness, robust employee benefits help you retain and attract talent to propel your business forward.

Better Me Business covers your employees with a comprehensive range of medical benefits with no minimum group size to kickstart the plan, allowing you to focus on moving forward without the financial worries that come from unforeseen events.

As an added benefit, Better Me Business also provides a range of customisable wellness services to empower employees and businesses to achieve better health and productivity.

Experience the #BetterMe by AXA advantage^

Our #BetterMe by AXA series of corporate health products are designed to allow businesses to provide employees with customisable benefits that meet their individual needs, while o�ering health and wellness services that help boost employee satisfaction and productivity.

Chronic Disease Management Program**Manage chronic diseases with the support of dedicated and experienced doctors and nurses and a curated personalised plan that best suits your condition. Enjoy greater convenience with video consultation services and delivery of medication, which are also available on weekends and public holidays.

Flexible protection for your employees

Regardless of your business’s unique needs and budget, you can provide your greatest assets the protection they deserve.

No minimum group size* to kickstart the planWith no minimum group size requirement, you can keep all of your employeescovered for peace of mind.

Comprehensive coverage with no sub-limitsEnjoy the flexibility of staying protected without having to be constrained bythe limitations of per-disability claims.

Flexible plan options for every need and budget Tailor your coverage to suit your business' needs. With a wide range of plans and riders, you will be able to find an annual limit plan to suit your budget.

2

Find out more at https://www.axa.com.sg/employee-health-benefits/better-me-by-axa#add-ons.

Fitness servicesStay fit and healthy through a third-party app that connects you to fitness classes and wellness experiences at at exclusive rates that are highly subsidised.

Health Screening (Panel)Gain access to discounted packages from our partner. Health screening costs will be borne by Insured Members.

Mental supportGet connected with multi-disciplinary coaches and a suite of services that support your mental health needs. Enjoy one-to-one in-person or virtual consultations, a dedicated hotline for immediate support and self-help modules that you can learn on the go.

Step 1.

Choose from �� for benefit limits.You may choose di�erent plans for di�erent categories of employees in your company.

Step2.

* Please refer to the “Limitation of Cover” clause in the policy documents for full details.

Choose from the �� for the hospital type and co-payment cover.

- For Option 1 and Option 2, admission to Government Restructured Hospital (with no co-payment) will still be applicable.- For Option 3, 60% pro-ration applies* if Insured member goes to a private hospital.- For all Options, a 60% pro-ration will be applicable for Hospital type or ward upgrade*.

Hospital Type

Option 1 Option 2 Option 3

Private hospital Private hospitalGovernment

restructured hospital

Co-payment No co-payment 20% co-payment No co-payment

Building your best-�t Group Hospital and Surgical cover

Choose from �� for Daily Room & Board cover.You may choose either 1 Bed or 4 Bed ward type for Daily Room & Board cover.

Step3.

Choose �� you require according to your needs and budget.

Step4.

4

Basic plans

Group Hospital &Surgical (GHS)^

Group Term Life (GTL)

• Covers hospitalisation and surgical expenses • Choice of Private and Government Restructured Hospitals (GRH)• Covers outpatient Cancer and Kidney Dialysis treatment • Waiver of pre-existing conditions** is applicable if the company has prior GHS

cover with a headcount of 25 employees and above• Step-down care services provided by our appointed service provider(s) are

available to members who received designated treatment in GRH+

• Claims are pro-rated at 60% if the insured member is admitted to a ward or hospital type higher than he is entitled to under the policy

• Covers death and total & permanent disability• Provides one lump sum payment upon diagnosis of a terminal illness from

which death is highly probable within the next 12 months• If the employee was terminated on medical grounds, benefits can be

extended for another 12 months+

• All pre-existing conditions are excluded for the first 18 months of continuous coverage^^

*These benefits are not exhaustive, for the full benefits please refer to policy wordings.^Pre-existing Renal Failure and Cancer are permanently excluded under GHS and GEMM.**12 months waiting period will apply to members who have not been insured under the existing GHS policy, and for companies with existingmember(s) su�ered or su�ering any designated serious conditions. Member listing from previous insurer is required to be provided.^^Only for plans with Sum Insured up to S$100,000.+Terms and conditions apply. Please refer to the policy wordings for full details. ++The Life Insurance Association Singapore (LIA) has standard definitions for 37 severe-stage Critical illnesses (Version 2019). These Critical illnesses fall under Version 2019. You may refer to www.lia.org.sg for the standard definitions (Version 2019).

Optional riders

Group Extended MajorMedical (Rider to GHS)^

Group General Practitioner(Rider to GHS)

Group Specialist (Rider to GHS, needs to be taken up with Group General Practitioner)

Group Dental(Rider to GHS)

Group Critical Illness (Rider to GTL)

• Reimbursement of eligible expenses in excess of benefits payable under the basic Group Hospital and Surgical plan where:

- Hospitalisation is more than 20 days; or - Surgical procedures of at least 75% of the benefit is payable under the

Schedule of Surgical Benefits• 12 months waiting period for pre-existing medical conditions• Claims are pro-rated at 60% if the insured member is admitted to a ward or

hospital type higher than he is entitled to under the policy

• Covers eligible expenses incurred at a General Practitioner, polyclinic or Accident and Emergency (A&E) department of any hospital in Singapore

• Cashless visits at an islandwide panel network of General Practitioner clinics• Cashless arrangement in A&E departments at selected GRH• Covers Traditional Chinese Medicine

• Reimbursement of eligible expenses incurred at specialist clinics and diagnostic scans, including X-ray and laboratory tests, referred by General Practitioner

• Cashless arrangement at selected GRH for specialist services• Covers Physiotherapy (referred by physician), Chiropractic Treatment

• Reimbursement of eligible reasonable and customary charges at non-panel dental clinics; cashless arrangement for panel dental clinics

• Covers 37 Critical illnesses++ • Choice of acceleration basis or additional basis • 24 months waiting period for all pre-existing medical conditions+

Group Personal Accident(Rider to GTL and/ or GHS)

• Covers loss of life, permanent disablement or dismemberment due to an accident

Bene�ts at a glance*

3

Choice of Hospital Cover:Option 1: Private hospital with no co-paymentOption 2: Private hospital with 20% co-payment Option 3: Government restructured hospital with no co-payment

Plan 2Plan 1 Plan 3 Plan 4Benefit Description

Annual Policy Limit(applicable to all benefitsexcept items marked ^ or **)

1. Room and Board (Standard)

3. Intensive Care Unit (ICU)

6. In-Hospital Physician's Visit

9. Parent Accommodation

7. Emergency Out-patient Treatment (Due to Accident Only)

12. Pre-Hospitalisation (Up to 120 days before hospitalisation/ surgery)

13. Post-Hospitalisation (Up to 120 days a�er discharge)

14. Home Nursing (Up to 182 days a�er discharge)

10. Miscarriage and Ectopic Pregnancy

4. Hospital Miscellaneous Expenses

2. Short-stay Ward

5. Surgeon’s Fee

8. Ambulance Charges

11. Medical Report Fees

250,000 100,000

As charged up to Annual Policy Limit

60,000 30,000 18. Dread Disease Recuperation Benefit (Major Cancer, Heart Attack of Specified Severity, Stroke with Permanent Neurological Deficit)^ ^^

15. Outpatient Kidney Dialysis^

19. Special Grant** (Doubled for accidental death)

21. Get Better Benefit** +

(Daily cash benefit per day starting on day 4 up to day 30 of hospitalization)

22. Hospital Daily Cash^ (Up to 30 days of confinement in Government Restructured Hospital) - B1 Ward or below

23. Step-down Care Benefit Limit

20. Emergency Assistance^

17. Surgical Implants

75,000 50,000 40,000 20,000

75,000 50,000 40,000 20,00016. Outpatient Cancer Treatment^

As charged

10,000 N/A

N/A

5,000

5,000

5,000

200

200

Basic plan – Group Hospital & Surgical (GHS)* (S$)

*This plan is not subject to Schedule of Surgical Benefits.^The Benefit(s) is not subject to Annual Policy Limit.**Specified Sum Basis Benefits payable for Benefit(s) that is the specified sum as stated in the Schedule or Endorsement and is payable as one lump sum. The Benefit(s) is not subject to the Annual Policy Limit.^^Dread Disease Recuperation benefit is subject to a waiting period of 90 days. Please refer to www.lia.org.sg for the standard definitions of critical illnesses to qualify for the 4 critical illnesses stated.+ Not payable for confinement in a community Hospital.

Plan 2Plan 1 Plan 3 Plan 4Benefit Description

65

Annual Premium per Insured Member (exclusive of GST) (S$)

1 Bed 4 Bed

Plan 1 Plan 2 Plan 3 Plan 4 Plan 1 Plan 2 Plan 3 Plan 4

Age NextBirthday

Option 1 – Private hospital with no co-payment Option 3 – Government restructured hospital with no co-payment

* For renewal only. The last entry age for this plan is 75.

0 - 30 985.08

1,272.68

1,425.49

1,777.63

2,157.29

2,789.42

3,799.31

5,693.81

6,957.13

9,106.00

10,877.24

821.98

1,061.54

1,188.84

1,482.17

1,798.42

2,324.99

3,166.23

4,744.35

5,796.70

7,586.70

9,062.15

574.10

675.66

754.44

912.00

1,137.90

1,524.20

2,011.11

3,001.08

3,666.43

4,797.82

5,759.49

509.56

599.73

669.02

836.06

1,011.66

1,304.95

1,778.57

2,662.23

3,251.65

4,254.90

5,098.77

545.63

704.14

787.66

983.18

1,190.10

1,537.49

2,093.69

3,135.86

3,829.69

5,012.32

5,986.79

455.91

587.95

657.53

820.40

992.76

1,282.13

1,745.45

2,613.57

3,191.53

4,176.67

4,988.40

318.78

374.78

418.44

505.76

630.10

843.66

1,109.42

1,654.23

2,019.65

2,642.30

3,163.81

283.67

333.97

372.88

464.00

559.86

721.22

983.18

1,468.20

1,792.81

2,344.27

2,804.26

31 - 40

41 - 45

46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

71 - 75

76 - 80*

81 - 85*

Option 2 – Private hospital with 20% co-payment

0 - 30

31 - 40

41 - 45

46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

71 - 75

76 - 80*

81 - 85*

789.56

1,019.26

1,141.70

1,424.54

1,727.32

2,233.21

3,040.94

4,556.73

5,567.57

7,287.43

8,701.40

659.11

850.45

952.44

1,188.04

1,440.26

1,861.67

2,534.51

3,797.16

4,639.19

6,071.84

7,249.67

460.21

541.83

604.48

731.66

912.00

1,221.42

1,610.57

2,403.11

2,934.64

3,840.13

4,601.55

408.95

482.98

537.09

670.92

810.44

1,046.78

1,425.49

2,131.65

2,605.28

3,405.41

4,076.80

438.37

565.56

632.95

787.66

953.76

1,231.86

1,676.07

2,510.37

3,065.62

4,010.97

4,793.19

366.57

472.52

528.65

657.53

795.89

1,027.54

1,397.57

2,092.54

2,555.06

3,342.54

3,994.13

257.09

300.75

336.81

406.10

505.76

675.66

889.22

1,324.88

1,617.22

2,116.47

2,536.57

229.56

269.43

298.85

372.88

449.76

580.75

787.66

1,176.82

1,435.93

1,877.29

2,254.75

1 Bed 4 Bed


Age NextBirthday

0 - 30

31 - 40

41 - 45

46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

71 - 75

76 - 80*

81 - 85*

644.34

830.38

930.98

1,158.78

1,405.56

1,815.59

2,472.40

3,704.39

4,525.41

5,922.55

7,085.34

538.14

693.11

776.91

966.67

1,172.23

1,513.79

2,060.92

3,087.16

3,771.07

4,934.89

5,903.49

374.78

442.17

493.43

595.93

743.05

995.52

1,310.64

1,953.21

2,386.03

3,121.62

3,733.12

333.97

392.81

437.43

546.58

660.48

852.20

1,158.78

1,733.01

2,116.47

2,768.54

3,315.20

358.65

460.21

516.20

641.49

777.22

1,003.12

1,363.80

2,040.53

2,492.33

3,261.14

3,905.99

300.16

384.76

431.40

535.76

648.83

837.00

1,137.45

1,701.17

2,077.51

2,717.93

3,255.10

210.58

246.65

275.12

331.12

412.75

551.32

724.07

1,078.10

1,316.34

1,722.57

2,063.79

187.80

220.07

243.80

304.55

367.19

472.54

641.49

957.56

1,167.32

1,527.05

1,830.57

1 Bed 4 Bed


Age NextBirthday 1 Bed 4 Bed


Age NextBirthday

87

1 Bed 4 Bed

Plan 1 Plan 2 Plan 3 Plan 4 Plan 1 Plan 2 Plan 3 Plan 4Age NextBirthday

1 Bed 4 Bed

Plan 1 Plan 2 Plan 3 Plan 4 Plan 1 Plan 2 Plan 3 Plan 4Age NextBirthday

Annual Premium per Insured Member (GST exempted) (S$)

Plan 1

Sum Insured

Basic plan – Group Term Life (GTL) (S$)

500,000 300,000 200,000 150,000 100,000 50,000

Plan 2 Plan 3 Plan 4 Plan 5 Plan 6

Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6

35 and below

434.40

543.00

868.70

1,248.80

2,171.80

3,800.70

5,972.50

10,859.10

17,893.70

260.64

325.80

521.22

749.28

1,303.08

2,280.42

3,583.50

6,515.46

10,736.22

173.76

217.20

347.48

499.52

868.72

1,520.28

2,389.00

4,343.64

7,157.48

130.32

162.90

260.61

374.64

651.54

1,140.21

1,791.75

3,257.73

5,368.11

86.88

108.60

173.74

249.76

434.36

760.14

1,194.50

2,171.82

3,578.74

43.44

54.30

86.87

124.88

217.18

380.07

597.25

1,085.91

1,789.37

36 - 40

41 - 45

46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

71 - 75*

Age NextBirthday

Annual Premium per Insured Member (exclusive of GST) (S$)Option 1 – Private Hospital with no Co-payment

0 - 30

31 - 40

41 - 45

46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

71 - 75

76 - 80*

81 - 85*

43.66

51.26

56.00

76.88

95.86

117.70

152.82

203.12

280.00

367.32

423.97

42.71

49.36

54.58

74.98

93.49

114.85

148.55

198.37

272.88

358.78

414.75

41.76

47.46

53.16

73.08

91.12

112.00

144.27

193.62

265.76

350.24

406.87

39.86

45.56

50.30

68.34

85.42

105.36

137.62

183.18

252.48

331.25

385.03

24.68

27.52

31.32

41.76

53.16

64.54

83.52

112.00

154.71

202.17

239.65

24.20

26.57

29.90

40.81

51.73

63.12

81.62

109.15

150.92

197.43

235.01

23.72

25.62

28.48

39.86

50.30

61.70

79.72

106.30

147.12

192.68

231.14

22.78

24.68

27.52

37.96

47.46

57.90

75.94

100.61

138.58

182.24

220.03

Option 2 – Private hospital with 20% co-payment

0 - 30

31 - 40

41 - 45

46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

71 - 75

76 - 80*

81 - 85*

35.12

40.82

45.56

61.70

76.88

93.96

121.49

162.30

224.00

294.24

341.03

34.17

39.39

43.66

59.80

74.98

92.54

118.65

158.51

218.78

287.12

331.81

33.22

37.96

41.76

57.90

73.08

91.12

115.80

154.71

213.56

280.00

323.66

32.28

37.02

39.86

55.06

68.34

84.48

110.10

147.12

202.17

264.81

311.75

19.94

22.78

24.68

35.12

41.76

52.20

66.44

91.12

124.34

161.36

193.59

19.46

21.83

24.20

33.70

40.81

50.30

65.02

87.80

120.54

158.04

188.96

18.98

20.88

23.72

32.28

39.86

48.40

63.60

84.48

116.74

154.71

184.93

18.04

19.94

22.78

30.38

37.96

47.46

60.74

80.68

111.05

145.22

174.22

Rider – Group Extended Major Medical (GEMM)* (S$)

* Choice of GEMM rider plan type must follow selected GHS plan type. For example, if you are on GHS Plan 1-Option 1, you must choose GEMM Plan 1-Option 1.

*For renewal only. The last entry age for GTL is 70.

Plan 2Plan 1 Plan 3 Plan 4

Policy Limit 100,000 90,000 80,000 50,000

Co-payment 0% or 20%(Any co-payment in the Basic Policy will continue to be applicable)

109

1 Bed 4 Bed


Age NextBirthday


Plan 1Age Next Birthday Plan 2

0-50

51-65

66-75

76-85*

416.77

748.10

1,010.69

1,010.69

300.72

538.92

727.69

727.69

Option 3 – Government restructured hospital with no co-payment

0 - 30

31 - 40

41 - 45

46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

71 - 75

76 - 80*

81 - 85*

28.48

33.22

37.02

50.30

61.70

76.88

98.72

132.88

182.24

239.18

276.53

27.53

32.27

36.07

48.88

60.27

74.98

96.34

129.08

177.97

233.01

267.31

26.58

31.32

35.12

47.46

58.84

73.08

93.96

125.28

173.70

226.84

258.95

25.62

30.38

33.22

45.56

56.00

68.34

91.12

119.60

163.26

215.46

247.50

16.14

18.04

19.94

27.52

35.12

41.76

55.06

73.08

99.66

131.94

156.71

15.66

17.56

19.46

26.57

34.17

40.81

53.63

70.71

97.76

128.14

152.07

15.18

17.08

18.98

25.62

33.22

39.86

52.20

68.34

95.86

124.34

147.93

14.24

16.14

18.04

24.68

31.32

37.96

48.40

65.50

91.12

119.60

137.53

Rider – Group General Practitioner (GP) (S$)

Plan 1Benefit Description Plan 2

Co-payment

General Practitioner Treatment(Panel)

General Practitioner Treatment(Non-Panel)

General Practitioner VideoConsultation (Panel)

Accident and Emergency(Government restructured hospital)

Accident and Emergency (Private)

GP Overseas Treatment

Traditional Chinese Medicine(Max. 6 visits per year)

N/A

As charged

As charged

100 per visit

100 per visit

50 per visit

30 per visit

10 per visit

*For renewal only. The last entry age for GEMM is 75.


1211

* with GP (Panel) referral. ^ with GP referral.** with Physician (Panel) referral.^^ with Physician referral.++ not subjected to co-payment.


Rider – Group Specialist (SP) (S$)

Benefit Description

Specialist Consultation (Panel)*

Specialist Consultation(Government restructured hospital)^ ++

Specialist Consultation(Non-Panel)^

X-ray & Laboratory test (Panel)**

X-ray & Laboratory test(Government restructured hospital)^^ ++

X-ray & Laboratory test(Non-Panel)^^

Specialised Diagnostic Scans^^

Plan 1

1,500

1,500

1,500

1,500

1,000

Plan 2

1,000 1,000

As charged

As charged

1,000

1,000

2,000 2,000

Plan 3

N/A

1,000 1,000

N/A

1,000

500 500

0% or 20%

Physiotherapy Treatment^^/Chiropractor Treatment

Co-payment


No Co-insurance With 20% Co-insurance


0 - 50 263.09

531.56

763.20

763.20

222.09

448.72

644.26

644.26

131.89

266.47

382.59

382.59

218.67

441.81

634.35

634.35

184.50

372.78

535.23

535.23

109.34

220.91

317.18

317.18

51 - 65

66 - 75

76 - 85*

Age Nextbirthday

Rider – Group Dental (GDEN) (S$)

Benefit Description Plan 1

As charged up to1,000 per policy year

10%

As charged up to500 per policy year

Plan 2

��

General Consultation, Scaling/ Polishing, Fillingsi) Consultation & Examinationii) Scaling & Polishingiii) Tooth Colour/ Composite/ Amalgam Fillingsiv) Reinforced Pin

Dental X-raysi) Intraoral- Occlusal/ Periapical/ Bitewingii) Extraoral - Panoramic/ OPG/ Cephalogram/ Tomograms

Extractions & Consumablesi) Non-surgical/ simple/ routine extractionii) Surgical/ complex extractioniii) Surgical, Impacted Wisdom tooth extractioniv) Fluoride treatmentv) Dental treatment consumables, hygiene products, infection control, etc

Drugsi) Analgesic (Oral) - In relation to a dental procedure/ Surgeryii) Antibiotics (Oral) - In relation to a dental procedure/ Surgery

Root Canal Treatmenti) Pulpotomyii) Pulp Capiii) First Root Canal- Anterior Toothiv) First Root Canal- Premolar Toothv) First Root Canal- Molar Toothvi) Subsequent Canals

Alveoplastyi) Per Quadrant, in connections with extractionsii) Per Quadrant, not in connections with extractionsiii) For complete Alveoplasty, involving more than one quadrant

Othersi) Biopsy & examination of tissueii) Excision of tumour

Co-payment

1413

Additional Basis

Acceleration Basis

Choice of acceleration or additional basis

* The selected Group Critical Illness coverage cannot exceed the Group Term Life coverage.

Acceleration basisThe sum insured shall be payable in advance from the Group TermLife Benefit. The balance of the Group Term Life Benefit will bepayable upon subsequent death.

Additional basis This is an additional benefit and does not a�ect the Group Term Life Benefit.

Rider – Group Critical Illness (GCI)* (S$)

Sum Insured 250,000 150,000 100,000 75,000 50,000 25,000

Annual Premium per Insured Member (GST exempted) (S$)


0 - 35

36 - 40

41 - 45

46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

271.50

407.20

678.70

1,194.50

1,805.30

2,714.80

4,343.60

6,515.50

162.90

244.32

407.22

716.70

1,083.18

1,628.88

2,606.16

3,909.30

108.60

162.88

271.48

477.80

722.12

1,085.92

1,737.44

2,606.20

81.45

122.16

203.61

358.35

541.59

814.44

1,303.08

1,954.65

54.30

81.44

135.74

238.90

361.06

542.96

868.72

1,303.10

27.15

40.72

67.87

119.45

180.53

271.48

434.36

651.55

Age NextBirthday


0 - 35

36 - 40

41 - 45

46 - 50

51 - 55

56 - 60

61 - 65

66 - 70

325.80

597.30

950.20

1,384.50

2,171.80

3,284.90

5,293.80

7,938.00

195.48

358.38

570.12

830.70

1,303.08

1,970.94

3,176.28

4,762.80

130.32

238.92

380.08

553.80

868.72

1,313.96

2,117.52

3,175.20

97.74

179.19

285.06

415.35

651.54

985.47

1,588.14

2,381.40

65.16

119.46

190.04

276.90

434.36

656.98

1,058.76

1,587.60

32.58

59.73

95.02

138.45

217.18

328.49

529.38

793.80

Age NextBirthday


Benefit Description

As charged up to1,000 per policy year

As charged up to500 per policy year

10%

��

Consultation

Medication (including administration of Local Anaesthesia)

X-raysi) Periapical Filmii) Bitewing iii) Occlusal Filmiv) Orthopantomograph

Prophylaxisi) Scaling/ Polishingii) Fluoride Application

Amalgam Restorations – fillings

Tooth-coloured Restorations – fillings

Extractionsi) Anterior toothii) Posterior tooth

Oral Surgeryi) Surgical root removal (per tooth)ii) Surgical removal of wisdom tooth

Pulp/ Root Canal Treatmenti) Pulp Cappingii) Root canal Treatment (inclusive of temporary fillings) • One Canal • Two Canal

Periodontal Treatment – Root PlaningMiscellaneous Treatmenti) Sedative dressingsii) Retention pins – restoration of tooth

Crowning

Bridges due to Accident only

Co-payment

Plan 1 Plan 2

Non-Panel Panel

Plan 1 Plan 2 Plan 1 Plan 2

Age NextBirthday


0 - 50 197.86

399.78

573.99

573.99

164.04

331.44

475.87

475.87

177.48

358.60

514.87

514.87

147.14

297.30

426.86

426.86

51 - 65

66 - 75

76 - 85*

* For renewal only. The last entry age for GDEN is 75.

1615

Eligibility (applicable to Medical Plans only)Coverage under this policy shall be subject to the fulfilment of all of the following eligibility requirements bythe Insured Members:

(i) Your employee and your employee’s legal spouse who are from Age 16 years to 75 years old and who is a Residentof Singapore;

(ii) Your employee’s natural child, step-child or legally adopted child, who is aged between 15 days and Age 25 and who is unmarried and unemployed, including National Service Full Time Servicemen (NSF). If a dependant Child is in hospital confinement on the date which he would have become eligible for participation in the Policy, his eligibility will be deferred to the date immediately following the date of discharge from the Hospital.

An Insured Member’s coverage will cease automatically if he remains outside of his Country of Residence for a period in excess of one hundred eighty-five (185) consecutive days.

Applicable to Medical Plans only (i.e. excluding Group Term Life, Group Personal Accident and Group Critical Illness):Where Insured Member commenced Coverage between Age 16 and Age 75, Insured Member will be eligible for renewal for coverage up to Age 85.

Occupation Risk GuidelineAll benefits under the Group Packaged plan are available to Occupational Risk Class 1 to 3 only.The Group Packaged plan will not be available to employees of firms in the following industries:• Professional sports associations or organizations• Airline companies (pilots, cabin crew)• Companies involved in sea faring• Companies involved in shipbuilding• Companies involved in mining (including underground construction or exploration of minerals)• Companies working in o�shore sites, submarine or boat and/or involved directly in the construction on or under water• Companies working in industrial sites• Companies involved in direct contact with explosives or explosive devices• Companies involved directly in oil and gas exploration, production or refining• Companies involved in tobacco production or distribution• Companies involved in the production or refining of hazardous materials and/or chemicals• Companies involved in animal testing• Companies involved in gambling activities or casinos• Field military police and armed security forces• Nuclear facility workers

Participation and Plan Selection• Dependants are not eligible for Group Term Life, Group Critical Illness and Group Personal Accident.• Dependant participation for Group Hospital & Surgical and Medical riders (where applicable) must follow the same plan(s) or lower than the selected for the employees.• Dependant can choose same or lower overall limit, while keeping the choice of Ward Type, Hospital Type, Co-Payment the same as the Employee.• For Employee with Group Extended Major Medical, dependant can select whether to have or not to have Group Extended Major Medical.• Group General Practitioner must be selected before Group Specialist can be taken up.• Group Extended Major Medical plan(s) selected for the Employee must be the same as the Group Hospital & Surgical plan selected.• Group Critical Illness (acceleration) and Group Critical Illness (additional) cannot be taken up together. The Sum Insured of Group Critical Illness (acceleration or additional) must not exceed the Sum Insured of Group Term Life Plan.

Underwriting Guidelines

Class 1Professional, administrative, managerial, clerical and non-manual work solely in o�ice or similar non-hazardous places. E.g. Accountant, Bank teller, Programmers, Doctor / Dentist (non-veterinary), Lawyer, Receptionist.

Class 2O�ice or supervisory work which involves outdoor, travelling or light manual work, and does not involve the use of tools or machinery or exposure to any special hazard.E.g. Beautician, Homemaker, Insurance Intermediary, Retail Assistant, Tour Guide.

Class 3Occupation which involves manual work which is not of hazardous nature but involves the use of tools or machinery.E.g. Baker, Chau�eur, Hawker (Food), Mechanic, Painter (not involving work at heights), Plumber.


Occupational Class

Rider – Group Personal Accident (GPA) (S$)

Occupational Class Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6

Occupation Class 1 186.90 112.14 74.76 56.07 37.38 18.69

Occupation Class 2 233.60 140.16 93.44 70.08 46.73 23.36

Occupation Class 3 NA 240.00 160.00 120.00 80.00 40.00

Sum Insured 500,000 300,000 200,000 150,000 100,000 50,000


Group Size Premium Discount

Applicable Plan and Riders

Group size (5 – 9 employees)

Group size (10 or more employees)

5% discount

10% discount

• Group Hospital & Surgical (GHS)• Group Extended Major Medical (Rider to GHS)• Group General Practitioner (Rider to GHS)• Group Specialist (Rider to GHS or Group General

Practitioner)• Group Dental (Rider to GHS)

1817

There are certain conditions under which no benefits will be payable. These are stated as exclusions in thecontract. The following is a list of some of the exclusions for the respective plans. The exclusions include, but arenot limited to, the following conditions. You are advised to read the policy contract for the full list of exclusions.

Group Term Life:i) Participation in a riot or civil commotion, violation or attempted violation of law, or resistance to lawful arrest

or imprisonment.ii) Engaging in or taking part in acts of terrorism, nuclear contamination, biological contamination or chemical

contamination.iii) Engaging or taking part in war, act of foreign enemy, invasion, civil war, riot, rebellion, insurrection, revolution,

overthrow of a legally constituted government, explosions of war weapons, or any event similar to the one listed.

iv) For Sum Insured up to $100,000, all pre-existing medical conditions are excluded for the first 18 months of continuous coverage.

Group Critical Illness:i) Pre-existing medical conditions.ii) Attempted suicide or self-inflicted injuries.iii) Under the influence of narcotics or drugs.

Group Hospital and Surgical and Group Extended Major Medical:Pre-existing medical conditions are excluded for the first 12 months of continuous coverage except forpre-existing cancer or renal failure for which these conditions will be permanently excluded.

Group Outpatient General Practitioner and Specialist Care, charges in respect of the following:i) Physical examination by a Physician at home or o�ice.ii) Prescription Drugs obtained without consultation.iii) Surgery including but not limited to toilet and suture, incision and drainage and excision biopsy.

Group Dental:i) Orthodontic treatment and temporary dentures.ii) Treatment consisting of cosmetic or plastic Surgery or for beautification not necessitated by Injury or Illness.

Group Personal Accident:i) Suicide, attempted suicide or self-inflicted injuries, regardless of the Insured Member mental condition;ii) Engaging or taking part in war, act of foreign enemy, invasion, civil war, riot, rebellion, insurrection, revolution,

overthrow of a legally constituted government, explosions of war weapons, or any event similar to one of those listed.iii) A result of engaging in or taking part in acts of terrorism, nuclear contamination, biological contamination or

chemical contamination.iv) Participation in racing on wheels;v) Participation in a riot or civil commotion, violation or attempted violation of law, or resistance to lawful arrest

or imprisonment;vi) Air travel, other than as a fare-paying passenger on a licensed commercial aircra�.

Exclusions• Coverage is for Employee and Dependant residing in Singapore only. Participation must be on compulsory basis.• Maximum entry age and renewable age for Group Critical Illness is 70.• Entry Age of Group Personal Accident and Group Term Life is 16 to 70, renewable up to age 75 for death benefit only.• For group size of 1 or 2 employees only, maximum entry age is 50 (age next birthday). For group size of 1 employee, there will be a loading of 60% across medical benefits only (excluding GTL, GCI and GPA) for all insured members. Brochure rates apply for all subsequent new members. By the next renewal, there must be 2 Employees covered under the plan, otherwise the plan will be terminated.

Limitation of CoverAdmission to higher ward or Hospital type that di�ers from plan entitlement:If the Insured Member received treatment or is admitted to a ward or Hospital type higher than what he is entitled to under the policy, either as an Inpatient or for Day Surgery, we will pay up to 60% of the eligible reasonable and Customary charges (excluding Daily Room and Board and Surgeon Fees) subject to the maximum limit stated in the Policy Schedule. For Surgeon Fees, we will reference the guidelines and published fee benchmarks provided by Ministry of Health (MOH). For upgrade in bed type or hospital type, the Daily Room & Board amount will be capped at the highest amount charged by a Hospital in Singapore for the entitled bed type and Hospital type. For avoidance of doubt, this is only applicable to Hospitalisation in Singapore.

Premium• Premium rates quoted are for standard lives based in Singapore only.• Premium rates are quoted in Singapore Dollar and not guaranteed, subject to change without prior notice.• Prevailing GST applies to all plans.• All ages, if applicable, refer to the age next birthday.

Application Documentsi) Enrolment form ii) Business Profile report from the Accounting & Corporate Regulatory Authority (ACRA) OR copy of Certificate of Incorporation / Registration AND list of persons with executive authority within the company iii) List of names, identification numbers and specimen signatures of authorised persons to sign on the enrolment formiv) Member listing from previous insurer (for Companies applicable to waiver of pre-existing conditions)v) Health Declaration Form for: a) Group Term Life / Group Critical Illness (Acceleration) sum insured applied for in excess of $100,000 for members up to age 65 next birthday b) Group Term Life / Group Critical Illness (Acceleration) application for members above age 65 next birthday c) Group Critical Illness (Additional) application

2019

Important InformationBetter Me Business is underwritten by AXA Insurance Pte Ltd (“AXA”). This brochure is not a contract of insurance and not for use outside Singapore. The precise terms and conditions are specified in the policy contract.

This brochure is for your information only and does not have any regard to your specific investment objectives, financial situation or particular needs. You may wish to seek advice from a financial consultant before making a commitment to buy the product, and if you choose not to seek advice, you should consider whether the product is suitable for you.

This is only product information provided by us. You should seek advice from a financial consultant if in doubt. Buying a life insurance policy is a long-term commitment. An early termination usually involves high costs and the surrender value payable may be less than the total premiums paid. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. A penalty may be imposed for early termination and the new policy may cost more, or have less benefits at the same cost.

Protected up to specified limits by SDIC.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

All information is correct as of 01 July 2021.

Contact Us1800 880 4888 (Singapore)65 6880 4888 (International)[email protected]

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AXA Insurance Pte Ltd (Company Reg No. 199903512M)8 Shenton Way #24-01 AXA Tower Singapore 068811

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