Comprehensive protection with coverage for 3 early risk conditions, multiple claims and continuous support

With the innovative product design, TotalAssure Series offers enhanced protection for early risk conditions associated with three common critical illnesses that require specific surgeries. These include precancerous lesion of the breast⁴, the early high-risk conditions linked to colorectal cancer and heart diseases, such as Colorectal Serrated Adenoma/polyp(s) and cardiomyopathy (Early Dilated). The New Series also expands the coverage to 51 critical surgeries, supporting customers for early illness intervention.

The TotalAssure Series goes beyond traditional critical illness products with continuous coverage for other serious illnesses, offering support and protection for customers throughout different treatment stages. In the unfortunate event of a critical illness, the New Series provides multiple continuous coverage for common critical illnesses with high recurrence rates, such as cancer, heart attack and stroke². The coverage includes a Continuous Cancer Payout for up to 111 months, an additional 5% of the sum insured per month for up to 11 months after a stroke² diagnosis, and a payment of 100% of the sum insured, providing stable financial support during the crucial recovery period. Additionally, the New Series provides annual payouts of up to 12% of the sum insured until the age of 100 in the case of severe dementias.

Innovative baby and maternal care package with enhanced special support

With BabyPro, AXA is extending pre-emptive care and continuous protection to mothers and babies. The study mentioned above found that it has become mainstream for expectant parents to purchase insurance for their unborn children (73%). BabyPro accepts applications as early as 18 weeks into pregnancy. In addition to maternal death cover, it offers protection for pregnancy complications and postpartum depression for both parents, with up to HKD2,000 per visit to specialist in psychiatry or registered psychologist, subject to a maximum of 50 visits in total under all TotalAssure Plus – BabyPro policies. BabyPro also covers babies for undetected congenital conditions from birth, giving them protection as soon as they are born and allowing them to enjoy double coverage during their first year as they start their new lives.

Responding to the growing number of special educational needs (“SEN”) students, the TotalAssure Series offer a distinctive protection plan. It provides special educational support for children with conditions such as Attention Deficit Hyperactivity Disorder (ADHD), autism, visual or hearing impairments, ensuring the insured children receive the support they need throughout their educational journey.

The above information is for reference only. For more information on product features, contents, terms and conditions and exclusions, please refer to the product brochure and policy terms and conditions.

The TotalAssure Series offers a comprehensive range of benefits, including:

1. Three Key Early Detection and Treatment

• Covers for early-risk conditions of three critical illnesses requiring specific surgeries, such as for precancerous breast lesions (unique to the market), early risks of colorectal cancer and heart disease, including Colorectal Serrated Adenoma/polyp(s) and Cardiomyopathy (Early Dilated).
• Covers 72 minor illnesses to 63 major illnesses. Based on claim data and experience, combined with the complex surgery list from the Voluntary Health Insurance Scheme (VHIS), the coverage for major surgeries has been expanded from 22 to 51 procedures to encourage early intervention.
• BabyPro offers the market’s earliest coverage, accepting applications from as early as 18 weeks into pregnancy. It provides coverage for pregnancy complications, as well as the benefit of postpartum depression coverage for expectant parents, and a full premium waiver in case of maternal death. It also offers the market’s highest double coverage during their first policy year.

2. Three Ongoing Support

• Comprehensive coverage offers up to 1,300% of the sum insured, providing multiple continuous coverage for common critical illnesses with high recurrence rates, such as cancer, heart attack and strokes². It includes Continuous Cancer Payout for up to 111 months, an additional 5% of the sum insured per month for up to 11 months after the diagnosis of stroke² and payment of 100% of the sum insured, which provides stable financial support during the critical recovery period, and an additional annual payout of up to 12% of the sum insured to the age of 100 in the case of severe dementias. 

3. Recognises the unique challenges of children with Special Educational Needs ("SEN") and provides special education support for nine conditions if the insured is diagnosed between 6 and 18 years’ old, and attends a special school for one academic year.

4. Combines Critical Illness Benefit and Mental Health Services to ensure the insured can attend free mindfulness classes⁵, including the YMCA Art Workshop or Pure Yoga Class/Fitness Pass, for mental health protection. Includes different support services for the insured person and their carers after diagnosis of a critical illness.