AXXESS Covid-19 CARE Plus 2

About AXXESS Covid-19 CARE Plus

Programme Description & Benefits

As we slowly but surely return to our normal lives, we must always stay vigilant, knowing that the threat of a Covid-19 infection, continues in our midst. Being mindful of this, we have in collaboration with our insurance partner, enhanced the Covid-19 protection, to provide a more comprehensive protection.

Here are the available plans and its benefits:

AXXESS Covid-19 CARE Plus

COVERAGE

Covid-19 + Accident

BENEFIT

Cash RM100	Covid-19 Diagnosis within 10 days of purchase (with 3 days waiting period) Note: For Covid-19 diagnosis, the claim shall include Covid-19 specific tests (PCR tests), diagnosed at any of the HOSPITALS (or medical facilities approved and recognised by Ministry of Health and the test result can be linked to MySejahtera app) identified by the Ministry of Health.
Cash RM1,000	Hospitalisation or Quarantine (at Ministry of Health approved quarantine facilities) due to Covid-19 (with 7 days waiting period)
Cash RM5,000	Death due to Covid-19
Cash RM20,000*	Death or Disablement due to an Accident
Cash RM50/day	Hospitalisation due to an Accident (maximum 30 days)

*RM30,000 if the accident happens on a Public Holiday

PERIOD

1 Month

PRICE

RM8.00

** For all Malaysians and non-Malaysian residents, between the ages of 30 days and 65 years.

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Frequently Asked Questions

AXXESS Covid-19 CARE Plus

What is the cost of the AXXESS Covid-19 CARE Plus Insurance?

The cost is only RM8.00 for 1-month coverage. However, coverage for Covid-19 diagnosis is 10 days

What is the name of the Company selling this AXXESS Covid-19 CARE Plus Insurance?

Shieldcard Holdings Sdn Bhd. It is the company that owns the AXXESS brand and operates the AXXESS Programme, which provides unique benefits for eligible members.

Which is the Insurance Company underwriting the AXXESS Covid-19 CARE Plus Insurance?

This insurance policies are under-written by both AIA General Berhad and Zurich General Takaful Malaysia Berhad, two of the leading insurance companies in Malaysia.

Can I cancel my insurance policy and get a refund?

You may cancel your insurance by providing the Insurer(s) written notice. There shall be no refund of premium by the Insurer(s) or Shieldcard Holdings Sdn Bhd.

Is it compulsory to put beneficiary details?

As per Government regulations all persons should be given the option to nominate beneficiary upon purchasing an insurance policy. You may choose not to nominate. In our customer information webpage click “No”

** All due care has been taken in preparing these FAQs. However, in the event of any inconsistences between the information provided in these FAQs and the terms of the AIA and Zurich policies, the provisions set out in the respective AIA and Zurich policies shall prevail

Who is eligible to be covered by the AXXESS Covid-19 CARE Plus Insurance?

All Malaysian residents (including foreign nationals legally residing in Malaysia).

Is there any age restriction for this Insurance?

All persons from age of one (1) month to sixty-five (65) years are eligible to be covered by this Insurance policy.

Do I need to be an AXXESS member to purchase this Insurance?

Non-members can purchase this Insurance and will be given free AXXESS membership (if they are above age 18).

Can I purchase the Insurance for another person?

Sure. You are most welcome to provide protection for your family and friends.

Are there any documents or medical report needed before I can purchase this Insurance?

No health declaration form or medical report is required to obtain coverage.

If I have travelled overseas recently, am I eligible for coverage by this Insurance?

You are eligible for coverage and can purchase this Insurance. There are no travel restrictions.

Is there any limitation to coverage for frontline workers with increased risk to Covid-19?

There is no restriction on frontline staff with increased risk to Covid-19 infection to purchase the Plans. General exclusions applicable are given in the Policy.

The insurance covers persons up to the age of 65 years. What happens if the person attains age of 66 during the coverage period? Does the coverage terminate immediately?

No. The coverage will remain in force until expiry of the policy.

There is an exclusion on “Pre-Existing Condition”. What does this mean?

It means an illness or condition (such as Covid-19) that occurred before the effective date of coverage. For Covid-19 it includes pending Covid-19 test results when coverage begins.

What is the period of coverage for AXXESS Covid-19 CARE Plus insurance?

The period of coverage for all benefits excluding Covid-19 diagnosis is one (1) month. The period of coverage for Covid-19 diagnosis is ten (10) days

Under the AXXESS Covid-19 CARE Plus insurance, what am I protected for and the benefits that will be paid?

In summary:

RM100 on positive diagnosis (PCR test) for Covid-19, within 10 days of purchase
RM1,000 on hospitalisation or quarantine (at Ministry of Health approved quarantine facilities) due to Covid-19
RM5,000 on death due to Covid-19
RM50/day (max. 30 days) on hospitalisation due to an Accident
RM20,000* on death or disablement due to an Accident

*RM30,000 if the accident happens on a public holiday.

The AXXESS Covid-19 CARE Plus Insurance, is an insurance policy that offers the following coverage and benefits: -

If you are diagnosed in Malaysia as a person with laboratory confirmation of infection with COVID-19 within 10 days of purchase, the Insurer will offer you Cash of RM100.00
If you are diagnosed in Malaysia as a person with laboratory confirmation of infection with the COVID-19 and require confinement in a hospital (or quarantine at Ministry of Health approved quarantine facilities), the Insurer will offer you Cash of RM1,000.00
If you are diagnosed in Malaysia as a person with laboratory confirmation of infection with the COVID-19, which shall within 365 days of diagnosis result in death as a result of Covid-19, the Insurer will pay your Nominee or the Estate, Cash of RM5,000.00
If you sustain accidental bodily injury caused by accident which results in death or disablement, within 365 days after the accident the Insurer(s) will pay your Nominee or the Estate Cash of RM20,000.00 (RM30,000.00 if the accident happens on a public holiday)
If You suffer a Bodily Injury and as a result of an Accident, are confined in a Hospital as a registered in-patient, the Insurer will pay a daily amount of RM50.00 for each day of Your confinement in the Hospital. The maximum period payable for this benefit is thirty (30) days per Accident

When is the Policy effective date assuming I purchase the Insurance today?

Policy effective date will be day following which you registered and paid for the AXXESS Covid-19 CARE Plus Insurance Plan. As an example, if you subscribed on 1st November 2021, the effective date will be 2nd November 2021.

Is there any waiting period before I am eligible for the benefits?

Yes, the waiting period is as follows:

There will be a waiting period of the first three (3) days from the effective date before the insured person is eligible for Covid-19 benefits for diagnosis.
There will be a waiting period of the first seven (7) days from the effective date before the insured person is eligible for Covid-19 benefits for hospitalization or death.
For Accidental Death there is no waiting period.

Does this policy cover worldwide?

This policy only covers Malaysia.

After I purchase and pay, how would I know that I have been covered under AXXESS Covid-19 CARE Plus Insurance?

Once you have registered and paid for AXXESS Covid-19 CARE Plus Insurance Plan, you will receive an email notification within 4 working days with your policy number, effective date and expiry date of the respective policies.

Can the policy be renewed at the end of the 1-month period?

This is non-renewable Insurance. However, you may buy a fresh policy when your present cover expires.

Does the Death benefit cover me even after my policy has ended?

If the accident causing bodily injury (for Accidental Death Benefit) or laboratory confirmation of infection with Covid-19 (for COVID-19 Death Benefit), occurs within the 1-month coverage period, and shall result in death within 365 days from the date of the accident or laboratory confirmation of infection as applicable, the Insurer will pay the death benefit.

Currently I have personal health insurance that has extended coverage for Covid-19. Can I claim from both AXXESS Covid-19 CARE Plus Insurance and another policy?

Yes, you can.

I recently purchased AXXESS Covid-19 Insurance. Can I claim from that policy as well as this new AXXESS Covid-19 CARE Plus Insurance, which is being offered?

Yes, you can. These are two different policies.

Can I purchase more than one AXXESS Covid-19 CARE Plus insurance?

No you can’t. Every member is entitled to only one AXXESS Covid-19 CARE Plus insurance protection

What is the procedure for a claim?

For Accidental/Covid-19 Death Claims, physical claim documents are required to be submitted.

For Covid-19 Diagnosis & Hospitalization Claims, claimants are given allowance for an email submission.

All payments will be made by the Insurer directly. Payment for diagnosis and hospitalization benefit will be given to the Insured Person. Payment for death benefit will be made to the Nominee or the Estate.

For assistance, you may call :-
a) AXXESS Customer Care – enquiry@shieldcard.com.my
b) AIA Care Line – 1300 88 1899
c) Zurich – 1300 88 8622 or email at callcentre@zurich.com.my

What are the documents required to support the claim for hospitalization?

For Covid-19 diagnosis, the claim shall include Covid-19 specific tests, diagnosed at any of the HOSPITALS identified by the Ministry of Health.

What are the documents required to support the claim for hospitalization?
For Covid-19 hospitalization the claim shall include Covid-19 specific tests and hospital admission certification from hospitals identified by the Ministry of Health.

What are the documents required to support a death claim?
For death due to Covid-19 the claim shall include Covid-19 specific tests and death certificate.
For Accidental Death the claim shall include police report, hospital certificate, post mortem report and death certificate.

How long can I wait before making a claim?
For Covid-19, claims must be made within 30 days. For Accidental Death immediate notice of claim must be given.

Can I submit a laboratory confirmation or medical report for Covid-19 from another country for a claim?

No. This product coverage is only effective for Malaysia. Any accident, laboratory confirmation of Covid-19, medical reports, hospitalization or death must occur within Malaysia.

IN-HOSPITAL CARE	RM
Hospital Room and Board (up to maximum 60 days per Disability)	400
Intensive Care Unit (up to maximum 60 days per Disability)	400
Hospital Supplies and Services	As Charged
Surgical Fees	As Charged
Anaesthetic Fee	As Charged
Operating Theatre	As Charged
In-Hospital Physician Visit (daily maximum up to 60 days and maximum 1 visit per day)	As Charged
Pre-Hospital Diagnostic Test (within 60 days)	As Charged
Pre-Hospital Specialist Consultation (within 60 days)	As Charged
Second Surgical Opinion (within 31 days)	As Charged
Cash Allowance at Government Hospital (lump sum payment per disability)	200
Emergency Accidental Outpatient Treatment (includes follow-up treatment up to 31 days from date of accident)	As Charged
Daycare Procedure	As Charged
Outpatient Cancer Treatment	As Charged
Outpatient Kidney Dialysis Treatment	As Charged
Post-Hospitalization Treatment (valid within 60 days from the date of discharge from hospital)	As Charged
Ambulance Fees (by road only)	As Charged
Medical Report Fee Reimbursement	As Charged
Home Nursing Care (limit per disability)	As Charged
OVERALL ANNUAL LIMIT	104,000
DEDUCTABLE	100

1.	Age Group - 30 days to 59 years
2.	Nationality - Malaysian & Non-Malaysian Residents
3.	Cashless Admission
4.	Exclusion - Pre-existing Condition

AXXESS Covid-19 CARE Plus

Programme Description & Benefits

Frequently Asked Questions

AXXESS Covid-19 CARE Plus

What is the cost of the AXXESS Covid-19 CARE Plus Insurance?

What is the name of the Company selling this AXXESS Covid-19 CARE Plus Insurance?

Which is the Insurance Company underwriting the AXXESS Covid-19 CARE Plus Insurance?

Can I cancel my insurance policy and get a refund?

Is it compulsory to put beneficiary details?

Who is eligible to be covered by the AXXESS Covid-19 CARE Plus Insurance?

Is there any age restriction for this Insurance?

Do I need to be an AXXESS member to purchase this Insurance?

Can I purchase the Insurance for another person?

Are there any documents or medical report needed before I can purchase this Insurance?

If I have travelled overseas recently, am I eligible for coverage by this Insurance?

Is there any limitation to coverage for frontline workers with increased risk to Covid-19?

The insurance covers persons up to the age of 65 years. What happens if the person attains age of 66 during the coverage period? Does the coverage terminate immediately?

There is an exclusion on “Pre-Existing Condition”. What does this mean?

What is the period of coverage for AXXESS Covid-19 CARE Plus insurance?

Under the AXXESS Covid-19 CARE Plus insurance, what am I protected for and the benefits that will be paid?

When is the Policy effective date assuming I purchase the Insurance today?

Is there any waiting period before I am eligible for the benefits?

Does this policy cover worldwide?

After I purchase and pay, how would I know that I have been covered under AXXESS Covid-19 CARE Plus Insurance?

Can the policy be renewed at the end of the 1-month period?

Does the Death benefit cover me even after my policy has ended?

Currently I have personal health insurance that has extended coverage for Covid-19. Can I claim from both AXXESS Covid-19 CARE Plus Insurance and another policy?

I recently purchased AXXESS Covid-19 Insurance. Can I claim from that policy as well as this new AXXESS Covid-19 CARE Plus Insurance, which is being offered?

Can I purchase more than one AXXESS Covid-19 CARE Plus insurance?

What is the procedure for a claim?

What are the documents required to support the claim for hospitalization?

Can I submit a laboratory confirmation or medical report for Covid-19 from another country for a claim?

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Submission of the AXXESS Covid-19 CARE Plus Insurance is subject to:

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(For Under 18 Years Old, Please Fill Up The Parent Or Legal Guardian Information On This Section)