I'd previously championed SOMPO PA STAR to be the plan for parents to buy.
With both parents covered, children get FOC coverage of 25% of parent limits.
For example, under the ELITE PLAN, parent's limit for medical expenses is $4,000/y and child's will be $1,000/y. This would cover HFMD and food poisoning claims which are the most common.
Why AXA SmartPA Protect+?
For AXA SmartPA Protect+ , with just one parent covered, child get FOC coverage of 20% of parent limits. Especially important for medical expenses from injuries that need treatment from outpatient clinics.
This is a quick glance at the plan main benefits first.
The part parents will love is the FOC coverage for HFMD for their kids.
SECTION 7 – HAND, FOOT & MOUTH DISEASE (HFMD) BENEFIT – Applicable to Child Cover Only
If, during the Period of Insurance, any of Your Children sustains Hand, Foot and Mouth Disease and requires medical treatment, We will pay a benefit of $50 per occurrence and up to $100 per year provided the blood test results with confirmed diagnosis are submitted as proof of claim.
This benefit excludes any claims where diagnosis of infection is made within 14 days from the commencement date of this Policy.
TWO OTHER KEY BENEFITS in AXA SmartPA Protect+
First KEY benefit is LETTER OF GUARANTEE (LOG) – Applicable to Gold or Platinum Plan only
If, during the Period of Insurance, You sustain Injury due to an Accident and are Hospitalised whilst Overseas and if the Hospital requires an upfront cash deposit for Your Hospital admission, We can arrange to issue the LOG directly to the Hospital, up to the specified limit under this Section applicable to the Selected Plan.
Second KEY benefit is extension to Food and Drink Poisoning
We will reimburse You for the medical expenses incurred for the treatment of food and drinks poisoning.
The amount paid out for this benefit will be deducted from the Sum Insured under SECTION 3 – ACCIDENTAL MEDICAL EXPENSES.
35% OFF PROMOTION TILL 31Aug2020!
Disclaimer: The promotion may change so do check latest offer!
With promotion price, this plan may be the best personal accident plan!
PS: Do default is "manual", do select non-manual if you are desk bound.
Filing for claim must be within 30days.
Policy wordings for "accident" is good
"A sudden and unforeseen event that solely and independently results in Injury, disablement or death and which is not caused by any Illness or medical condition."
Personally I didn't add the "ADD-ON PACK". The main plan is good enough =)