04/04/2026
💙 Looking for a more comprehensive HMO with higher coverage?
You might want to consider AXA Health Care Access (HCA).
This is a comprehensive medical insurance plan designed for individuals and families who want stronger health protection.
Here are some of the key benefits:
✨ High Annual Benefit Limit Options
Choose from ₱500,000 up to ₱5,000,000 coverage per year depending on the plan you select.
✨ Complete Medical Coverage
Includes:
✔ Inpatient
✔ Outpatient
✔ Emergency care
Unlike some HMOs with many inner limits, this plan provides broader coverage for medical expenses.
✨ Covers Professional Fees
Includes doctor’s fees, surgeon’s fees, and other hospital-related costs within the plan coverage.
✨ Higher Room & Board Allowance
Up to ₱4,500 – ₱15,000 per day, depending on the plan.
✨ Life & Accident Insurance Included
Additional protection ranging from ₱50,000 to ₱500,000.
✨ Dental Benefits
Covers basic dental care such as:
• Cleaning
• Tooth extraction
• Fillings
• Brace adjustments
✨ Emergency Coverage + Ambulance Benefit
✨ 24/7 Unlimited Teleconsultation
Access doctors anytime through My Pocket Doctor — very convenient for consultations, prescriptions, and lab requests.
✨ Guaranteed Renewable Until Age 75
Even if you had major claims or illness.
✨ Premium Increases Based on Age (Not Claims)
Your premium adjustment is based on age bracket, not because you used your coverage.
✨ Reimbursement Option Available
You may still get treatment from non-accredited clinics or hospitals and file for reimbursement.
✨ Longevity Health Fund
Potential cashback starting from the 5th year.
✨ Pre & Post Hospitalization Coverage
Covers lab tests and treatments 90 days before and after confinement related to hospitalization.
✨ Annual Physical Exam Included
Includes basic tests such as:
• FBS
• ECG
• Cholesterol test
• Additional lab tests depending on plan
✨ Optional Critical Illness Cash Benefit Rider
✨ Inflation Protection Feature
Your Annual Benefit Limit increases by 10% every 3 years to keep up with rising healthcare costs.
📩 Interested to get a FREE quotation?
Message me.
Let’s find the best health coverage for you and your family. 😊