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AXA Critical Illness Insurance

Critical illness insurance is a form of cover designed to provide financial support if you are diagnosed with a defined critical illness during the policy term.


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AXA, a globally renowned insurance provider, offers comprehensive Critical Illness Insurance. This guide intends to provide an overview of AXA’s Critical Illness Insurance to help you comprehend the policy, benefits, and how to make a claim.

What is Covered?

AXA’s Critical Illness Insurance offers a lump sum payment if you are diagnosed with a specified critical illness covered by the policy during its term. The range of critical illnesses covered generally includes, but is not limited to:

  • Certain types and stages of cancer

  • Heart attack

  • Stroke

  • Major organ transplants

  • Kidney failure

  • Alzheimer’s disease

For a complete list of covered illnesses and their definitions, always refer to your policy documents.

Benefits of AXA’s Critical Illness Insurance

  • Lump sum payment: Upon being diagnosed with a covered critical illness, a tax-free lump sum payment is provided.

  • Children’s cover: AXA’s policy automatically includes coverage for your children at no extra cost.

  • Additional support services: You can avail of expert medical, mental, and emotional support services.

  • Policy customization: Choose the policy term and coverage amount based on your needs.

  • Transparency: AXA aims to make their policies simple to understand, with clear terms and conditions.

How to Apply for Coverage

To apply for AXA’s Critical Illness Insurance, follow these steps:

  1. Get a quote: Start by obtaining a quote either online or over the phone. Provide your personal details, including age, lifestyle habits, and medical history.

  2. Choose your coverage: Decide the coverage amount you need and the policy’s duration. Your premium’s cost will depend on these choices, alongside your personal circumstances.

  3. Complete the application: Fill out the application form. It’s crucial to provide accurate and honest responses, as incorrect information could lead to future claim denials.

  4. Review and pay: Review your quote, confirm your details, and make your policy’s payment.

How to Make a Claim

If you need to make a claim, contact AXA’s claim department as soon as possible. You will be asked to provide:

  • Your policy number

  • Detailed information about your diagnosis

  • Relevant medical documents from your doctor or specialist

Once AXA receives your claim, they’ll review the information provided and keep you updated on the claim’s status. If your claim is approved, the lump sum payment will be transferred to you or your estate if you pass away.


Before purchasing Critical Illness Insurance, carefully evaluate your personal, financial, and health circumstances. Seek advice from a financial advisor to understand if this insurance is suitable for you. Note that the policy doesn’t cover all illnesses and will not pay out on death unless it is due to a covered critical illness within the policy term.


Critical Illness Insurance from AXA can provide financial aid if you are diagnosed with a critical illness covered under the policy. It’s essential to understand the policy’s coverage, benefits, and terms before making a purchase. Always refer to your policy documentation for full details of what is and isn’t covered.

Disclaimer: This guide is for informational purposes only. It is always recommended to contact AXA directly or consult with a financial advisor for personalized advice.


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