A simple visual guide to understanding critical illness protection, the financial gap it can create, and how AXA Health Max can help you prepare.
Illustrative coverage amount. Actual benefits, premiums and eligibility depend on the approved policy and client profile.
56 Major Conditions 18 Minor Conditions Up to Age 100A critical illness can affect treatment expenses, household cash flow, savings, debt payments and income. Health Max is designed to provide financial support through a lump-sum benefit, subject to policy terms.
Prepare for the financial impact of serious heart conditions.
Recovery can include treatment, rehabilitation and time away from work.
Protection can help preserve resources while focusing on recovery.
Long-term care can create recurring financial pressure.
AXA Philippines describes Health Max as a comprehensive critical illness plan covering 56 major and 18 minor critical conditions, with coverage up to age 100 and up to ₱10 million on its current product page.
Major critical illness conditions
Coverage for qualifying major conditions under the policy.
Minor critical illness conditions
Early-stage/minor conditions subject to definitions and policy terms.
Coverage up to age 100
Provided premiums are paid and policy remains in force.
Cash benefit upon a qualifying covered critical illness claim, subject to policy provisions.
Provides a death benefit subject to the policy and any benefits already paid.
AXA materials describe an Advanced Health Fund available starting at age 70, subject to policy terms.
This is a simple educational calculator—not an insurance quotation. Change the assumptions to start a needs-based conversation.
Coverage gap = (monthly income × months) − illustrative coverage, floored at zero. This does not predict claim amounts or premiums.
An HMO generally focuses on access to covered healthcare services. Critical illness insurance can provide a lump-sum cash benefit after a qualifying diagnosis. The right combination depends on your needs and existing coverage.
Think: “How will I access and pay for covered medical care?”
Think: “How will my family and income survive the financial shock of a serious diagnosis?”
AXA's current product information states coverage can continue until age 100, provided the policy remains in force and premiums are paid as required.
No. Waiting periods, definitions, exclusions and other policy conditions apply. AXA's current Health Max FAQ states that major or minor critical conditions occurring within 60 days following the policy effective date or latest reinstatement are not payable.
AXA states that the major critical condition benefit and death benefit are not paid on top of each other; once a major critical condition benefit or death benefit is claimed, the policy terminates, subject to the contract.
A lump-sum critical illness benefit is generally cash paid according to the policy terms, allowing the claimant to address eligible financial needs. The exact benefit and restrictions depend on the policy contract.
There is no single universal premium for a ₱500,000 illustration. Premium depends on factors such as age, sex, smoking status, coverage, payment term and underwriting. Request an actual AXA illustration for the client's profile.
Don't guess your protection. Let's build an illustration based on your age, income, family responsibilities and financial goals.
Clyde Reogo
Unit Head / Financial Advisor
AXA Health Protect • Vanguard Unit