AXA EmpoweredMum is AXA Insurance’s latest product launched in 2021. The single premium non-participating three-year prenatal plan comes with benefits for expectant mothers and their newborn child. It is available only as a bundled product.
It is Singapore’s first insurance coverage that covers early delivery by caesarean section. And that’s not all. AXA is first to offer free first year health insurance cover for the newborn without medical underwriting.
AXA has always been at the forefront of providing solutions to protect mums-to-be and their babies. The launch of AXA EmpoweredMum demonstrates our ability to continually enhance our protection solutions. We want parents to always be able to count on AXA to have the best and most relevant protection during pregnancy. We are committed to being a reliable insurance partner for families here in Singapore.
Li Choo Kwek-Perroy, Managing Director, Life, AXA Insurance
Benefits of AXA EmpoweredMum
| Benefit | Description |
|---|---|
| Early Delivery by Caesarean Section Benefit for Mother (Covers singleton pregnancies) | Mothers receive 15% of the sum assured for a caesarean delivery at less than 36 weeks of gestation, that is deemed necessary by a treating doctor. |
| Free AXA Shield Plan B cover to meet child’s first insurance needs | Parents have peace of mind knowing that their child has hospitalisation coverage shortly after birth. First year premiums of AXA Shield Plan B coverage is complimentary. Do note that MediShield Life premium and any attached riders are is still payable. Application for this benefit must be submitted on and within 60 days from the Mother’s expected due date. |
| Pregnancy complications benefit for mother and congenital illnesses benefit for child | This plan provides 100% of the sum assured if the mother and child are diagnosed with any one of the 15 pregnancy complications and 26 congenital illnesses covered, respectively, one of the highest numbers in the market. Once a claim is paid, this benefit will terminate. |
| Hospital Care and Death benefit for mother | Mother and child will receive 2% of the sum assured per day of hospitalisation due to any of the covered hospitalisation events (24 for mother and 7 for child), for up to 30 days, and 100% of the sum assured in the unfortunate event of death. |
| Developmental delay benefit for child | In the event of developmental delay in gross motor or speech development of the child, 15% of the sum assured up to S$3,000 will be provided. |
Coverage Limits
| Insured Events | Benefit Limit | Maximum Coverage Expiry Date |
| 1. Death Benefit for Mother | 100% of the Sum Assured is payable onceUpon claim, all other Benefits for the Mother shall terminate | End of policy term |
| 2. Pregnancy Complications Benefit for Mother | 100% of the Sum Assured is payable once | Upon birth of the Child except for Postpartum Haemorrhage requiring Hysterectomy which continues for 60 days from the date of birth of the Child |
| 3. Hospital Care Benefit for Mother | 2% of the Sum Assured for each day of hospitalisation, up to 60% of the Sum AssuredMaximum number of days of hospitalisation payable is 30 days | 60 days from the date of birth of the Child |
| 4. Early Delivery by Caesarean Section Benefit for Mother | 15% of the Sum Assured is payable once | Upon birth of the Child |
| 5. Death Benefit for Child | 100% of the Sum Assured is payable onceUpon claim, all other Benefits for the Child shall terminate | End of policy term |
| 6. Congenital Illnesses Benefit for Child | 100% of the Sum Assured is payable once | End of policy term |
| 7. Hospital Care Benefit for Child | 2% of the Sum Assured for each day of hospitalisation, up to 60% of the Sum AssuredMaximum number of days of hospitalisation payable is 30 days | End of policy term |
| 8. Developmental Delay Benefit for Child | 15% of the Sum Assured capped at SGD 3,000 is payable once | End of policy term |
2 AXA EmpoweredMum Bundles
| AXA HappyMummy | Two-plan bundle consisting of AXA EmpoweredMum prenatal plan and AXA Flexi Protector or AXA Life Treasure that offers focused protection for mum and newborn. Within 60 days of the newborn Child’s date of birth, the Father or Mother can purchase the Flexi Protector or Life Treasure plan. Pre-existing conditions or congenital illnesses the child was born with or the signs or symptoms of these illnesses known before the effective date will not be covered. |
| AXA HappyFamily | This two-plan bundle is made up of AXA EmpoweredMum prenatal plan and an eligible AXA Basic plan to offer expansive coverage for the whole family. The eligible Basic Plan can insure either the Father, Mother or Child’s sibling. |
