Plan according to your budget

You can choose to pay for 10 years or 20 years

to suit your available budget. Here’s a sample
of monthly mode premiums for selected ages: A sample Health Start Family coverage
plan for a ₱1 million, 20-Pay plan
Issue Age 10-Pay 20-Pay
21-25 2,421 1,399 Age Premium Total 3,448
Apply 35%
Person A 30 1,499 1,207
26-30 2,860 1,499 Reduction

31-35 3,410 1,949 Person B 35 1,949 ₱2,241

3,448

Health Start
Total Premiums to be Paid
36 3,459 2,183
37 3,639 2,297
NOTES:
38 3,835 2,421 1. Sample premiums are in monthly mode with applied modal factor.
39 4,047 2,554 2. For Family Coverage, simply add the respective premiums of both
ages and apply a discount of 35%. Health insurance that protects you and your family from
40 4,276 2,698 3. The premium above are for Standard Risk only.
4. Final premium may vary due to rounding.
life-threatening illnesses at a price you can afford

How does Health Start work?

Here’s a sample benefit for a couple who are ages 30 & 35 and pays ₱2,241 monthly for 20 years.

John’s age

At age 35 At age 49 At age 55 At age 65

John purchased Health Their child who is 9 years John suffers from aortic Jane is diagnosed with
Start Family 20-pay with old is diagnosed with aneurysm Breast cancer
his wife Jane as the Kawasaki Disease (minor condition) (major condition)
co-insured

Monthly Premiums: Benefit received: Benefit received: Benefit received:

₱2,241 ₱200,000 ₱200,000 ₱800,000

Client receives REMAINING

Policy’s original sum Policy’s effective sum Policy’s effective sum SUM INSURED once
insured: ₱1,000,000 insured: ₱1,000,000 insured: ₱800,000 diagnosed with a
major critical condition.

Major critical condition and life insurance coverage benefits for Health Start Family are on a first-to-claim basis.

Be health-ready for your family. Talk to your AXA Financial Partner or visit
www.axa.com.ph/healthstart

AXA Philippines THIS FINANCIAL PRODUCT OF AXA PHILIPPINES IS NOT INSURED BY

GT Tower International | 6813 Ayala Avenue cor. H.V. dela Costa st., THE PHILIPPINE DEPOSIT INSURANCE CORPORATION (PDIC) AND
Makati City, Philippines | (+632) 8581 5292 | www.axa.com.ph NOT GUARANTEED BY METROBANK OR PSBANK.
Is critical illness
coverage necessary?
Critical illness can
hit anyone, anytime
Lifestyle and environmental factors
like smoking, stress, pollution have
increased the rate of acquiring diseases.
276
Die from heart attack
everyday
Source: Inquirer.net, 2015
240
Die due to stroke
everyday
Source: Inquirer.net, 2015
236
Die of cancer everyday-
with 16 diagnosed every
hour
Source: WHO Globocan 2018
Philippines
It can cost a fortune!
₱1,800,000
estimated for stroke
(diagnosis, treatment,
rehabilitation)
Source: Ipsos HK, 2014
₱978,650
estimated for heart
attack (diagnosis,
treatment, rehabilitation)
Source: Ipsos HK, 2014
₱120,000
per session
Chemotherapy
Source: Philippine News Agency,
2019
Health insurance made simpler and more affordable for Filipinos
Protect yourself and your family from future health-related financial emergencies.
Health Start
Two plans available:
Covers against the top 3 critical illnesses
Health in the Philippines:
Start
Health Start plan covers you against top critical ud
Incl es
Heart attack
illnesses and comes with built-in child cover
against indicated conditions. This is available for
ge
your child now, or in the future.
Ch
il d
c o v e ra
Stroke
Health
Start Family Cancer
Health Start Family can cover you and a loved one
(a)
against top critical conditions. This can be shared
between you and a spouse, a parent, child(b) or a
sibling. It also includes built-in child cover — insuring
a family within a single plan.
Y our He a lt h S t a r t b enef its
Major critical conditions(c) Minor critical conditions(e) Built-in child cover(f) Return of premium Life insurance coverage(d)
Receive the sum insured in full(d) in case Receive 20% of the sum insured in case Receive ₱200,000 in case the child gets At age 75, receive a lump-sum In case of the insured’s untimely demise,
the insured gets diagnosed with the insured gets diagnosed with any of diagnosed with any of the child critical equivalent to the total standard the family will receive the sum insured
• cancer • stroke • heart attack the 9 minor critical conditions conditions premiums you have paid(g) to help in taking care of their needs
Minor critical Covered child
conditions covered conditions NOTES:
(a)
For Health Start Family, major critical conditions, return of premium and life insurance coverage will be paid
on a first-to-claim basis.
(b)
Child must be 18 years old and above.
1. Dengue hemorrhagic fever (Grades III and IV) (c)
Terminal illness is also covered under this plan. Terminal illness is any condition, which in the opinion of a
Cancer-related Heart-related Nervous system-related specialist, will lead to death within 365 days.
2. Hemophilia A or hemophilia B
(d)
Benefit is equivalent to sum insured less any benefits paid.
1. Carcinoma-in-situ at cervix uteri, 5. Angioplasty and other invasive 9. Cerebral shunt insertion 3. Insulin dependent diabetes mellitus (e)
The minor critical condition benefit can be claimed up to 4 times for different conditions per life.
uterus, breast, vagina, fallopian treatments for coronary artery 4. Kawasaki disease
(f)
Child cover benefit is provided for any one child who is under 18 years old at the time of claim and the child
tube, ovary, testicles, colon, disease survives the critical conditon for fourteen (14) days from date of diagnosis. This benefit is payable only once,
lung, penis, rectum, stomach, 6. Aortic aneurysm
5. Osteogenesis imperfecta on a first child-to-claim basis. Child cover benefit is on top of the plan’s sum insured.
6. Rheumatic fever with valvular impairment (g)
For older issue ages which are age 50 and up for 20-Pay and Age 55 and up for 10-Pay, standard premiums
vulva
2. Early stage prostate cancer
7. Insertion of pacemaker or
defibrillator 7. Still’s disease to be returned will be at 50%.
3. Early bladder cancer
4. Early chronic lymphocytic leukemia
8. Keyhole coronary bypass
surgery
8. Wilson’s disease IMPORTANT: Pre-existing conditions are excluded, furthermore there is a 60-day waiting
period starting on Policy Effective Date for Major, Minor and Child Critical Conditions. The
full definitions of critical conditions and exclusions can be found in the policy contract.
Should you decide to purchase this plan and find that it is not suitable for you, you will be
provided 15 days upon receipt of policy to cancel the plan with full refund.
 Plan according to your budget
You can choose to pay for 10 years or 20 years
to suit your available budget. Here’s a sample
of monthly mode premiums for selected ages: A sample Health Start Family coverage
plan for a ₱1 million, 20-Pay plan
Issue Age 10-Pay 20-Pay
21-25 2,421 1,399 Age Premium Total 3,448
Apply 35%
Person A 30 1,499 1,207
26-30 2,860 1,499 Reduction

31-35 3,410 1,949 Person B 35 1,949 ₱2,241

3,448

Health Start
Total Premiums to be Paid
36 3,459 2,183
37 3,639 2,297
NOTES:
38 3,835 2,421 1. Sample premiums are in monthly mode with applied modal factor.
39 4,047 2,554 2. For Family Coverage, simply add the respective premiums of both
ages and apply a discount of 35%. Health insurance that protects you and your family from
40 4,276 2,698 3. The premium above are for Standard Risk only.
4. Final premium may vary due to rounding.
life-threatening illnesses at a price you can afford

How does Health Start work?

Here’s a sample benefit for a couple who are ages 30 & 35 and pays ₱2,241 monthly for 20 years.

John’s age

At age 35 At age 49 At age 55 At age 65

John purchased Health Their child who is 9 years John suffers from aortic Jane is diagnosed with
Start Family 20-pay with old is diagnosed with aneurysm Breast cancer
his wife Jane as the Kawasaki Disease (minor condition) (major condition)
co-insured

Monthly Premiums: Benefit received: Benefit received: Benefit received:

₱2,241 ₱200,000 ₱200,000 ₱800,000

Client receives REMAINING

Policy’s original sum Policy’s effective sum Policy’s effective sum SUM INSURED once
insured: ₱1,000,000 insured: ₱1,000,000 insured: ₱800,000 diagnosed with a
major critical condition.

Major critical condition and life insurance coverage benefits for Health Start Family are on a first-to-claim basis.

Be health-ready for your family. Talk to your AXA Financial Partner or visit
www.axa.com.ph/healthstart

AXA Philippines THIS FINANCIAL PRODUCT OF AXA PHILIPPINES IS NOT INSURED BY

GT Tower International | 6813 Ayala Avenue cor. H.V. dela Costa st., THE PHILIPPINE DEPOSIT INSURANCE CORPORATION (PDIC) AND
Makati City, Philippines | (+632) 8581 5292 | www.axa.com.ph NOT GUARANTEED BY METROBANK OR PSBANK.
Health Start Proposed Insured:
Mr. MALE THE RISK ADVISOR
Age 25, Male, Non-smoker

Policyowner:
Mr. MALE THE RISK ADVISOR
Age 25, Male

Dear MALE,

Congratulations! You’ve chosen the right partner to help you have a head-start in protecting your health. AXA
Philippines is a formidable synergy between two financial giants - the AXA Group and the Metrobank Group.

We are happy to share with you the details of your chosen health plan, Health Start . Below is a summary of your
plan and the benefits you can enjoy. Face Amount Option: P1M to P10M
Sum Insured Php 1,000,000
SUMMARY OF BENEFITS
Major Critical Minor Critical Return of Life Insurance Child Cover
Conditions Conditions Premium Coverage Benefit

Receive Receive 20% of the At Age 75, receive In case the Receive
Php1,000,000 in Sum Insured in a lump-sum insured’s untimely Php200,000 in
case the insured case the insured equivalent to the demise, your loved case your child, if
encounters: encounters any of total premiums you ones will receive any, gets
• Cancer the 9 Minor Critical have paid Php1,000,000 to diagnosed with any
• Stroke Illness Conditions help in taking care of the Child Critical
• Heart of their needs Conditions
Attack
• Terminal
Illness

Notes:
1. The policy terminates after claiming either of the Major Critical Conditions or the Life Insurance Coverage. Life Insurance
Coverage is interchangeably used as death benefit in this proposal, pertains to one and the same benefit.
2. Minor Critical Conditions can be claimed for a maximum of four (4) times throughout the lifetime of the policy and
should be for different conditions, except for carcinoma-in-situ of different organs. The amount of benefit paid or payable
will be deducted from the Major Critical Conditions Benefit and Death Benefit payable under the Basic Plan. Please
refer to the conditions stated on the subsequent pages for the covered illnesses.
3. Return of premium will be LESS any minor critical illness benefit paid and any indebtedness. In case of substandard
rating, return of premium will follow the standard premiums only. For issue age up to 49, this is equivalent to 100% of
total standard premiums paid. For issue age 50 and up, this is equivalent to 50% of total standard premiums paid.
4. Life Insurance Coverage will be LESS any minor critical illness benefits paid, any Return of Premium paid and any
indebtedness.
5. The Child Cover Benefit is provided for any one child who is under 18 years old at the time of claim or first diagnosis.
This benefit is payable only once, on a first child-to-claim basis. Child Cover Benefit is on top of the plan’s sum insured.
6. Major, Minor Critical Conditions and Child Cover Benefit are payable according to the illness definitions as set out in the
policy contract.

Page 1 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:24 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

You may also boost your plan by adding optional supplements which can provide the following benefits:
• WAIVER OF PREMIUM ensures your policy’s future basic premiums will be paid for in case you become
totally and permanently disabled before age 60.

Enjoy these benefits or supplements for a minimal additional Annual Premium of Php 550.00 payable for 20 years.

The succeeding pages of this proposal provide more details on the benefits and features of Health Plan.

Again, thank you for your interest in our products. If you have questions, please call me at the number specified
below or call the AXA Customer Care Hotline at +632 5815-292.

REYES, ALJES OPENA

20601
41625
639197402466

Page 2 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:24 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

PREMIUM DETAILS
Plan/Supplements Cover up Sum Insured / Annual Premium
to Age* Coverage (PHP) (PHP)
Face Amount Option:
HEALTH START 20-PAY P1M to P10M 99 1,000,000 14,730.00
WAIVER OF PREMIUM** 60 - 550.00

*No Attachable Total Initial Annual Premium 15,280.00

Secure Rider - Semi-Annual Premium 7,945.60
Check MySecurity Quarterly Premium 4,125.60
Monthly Premium 1,451.60

*Cover up to Age refers to Termination Age.

** Covers basic plan premium

Notes:
The premium rates for Health Start are not guaranteed and the Company reserves the right to review and adjust the premium
rates from time to time. We will communicate any change in premium rates by mail or in any other applicable form.

For the premium term of the supplement/s, if any, please refer to the supplement definition indicated in the Summary of the
Riders attached to this Proposal.

Page 3 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:24 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

ILLUSTRATION OF BENEFITS

Death Benefit /
End of Guaranteed Return of
Attained Age Total Living Benefit Major Critical
Year Cash Value Premium
Conditions Benefit

1 26 0 0 0 1,000,000
2 27 0 0 0 1,000,000
3 28 0 0 0 1,000,000
4 29 0 0 0 1,000,000
5 30 2,581 0 2,581 1,000,000
6 31 13,866 0 13,866 1,000,000
7 32 26,253 0 26,253 1,000,000
8 33 39,087 0 39,087 1,000,000
9 34 52,381 0 52,381 1,000,000
10 35 66,124 0 66,124 1,000,000
15 40 152,026 0 152,026 1,000,000
20 45 252,111 0 252,111 1,000,000
25 50 299,549 0 299,549 1,000,000
45 70 525,045 0 525,045 1,000,000
50 75 354,767 294,600 649,367 705,400
55 80 379,393 0 379,393 705,400
60 85 412,607 0 412,607 705,400
65 90 451,929 0 451,929 705,400
70 95 498,092 0 498,092 705,400
75 100 561,546 0 561,546 705,400

Notes:

1. The Guaranteed Cash Value refers to the amount paid to the Owner upon termination of the policy prior to death. Any Minor Critical
Conditions benefit claims paid are deductible from the Guaranteed Cash Value. At any time, the total Minor Critical Conditions benefit
paid is higher than the Guaranteed Cash Value, the surrender amount is reduced to zero.
2. The Return of Premium refers to the cash endowment paid on the Policy Anniversary nearest the 75th birthday of the insured. For issue
age up to 49, this is equivalent to 100% of total standard premiums paid. For issue age 50 and up, this is equivalent to 50% of total
standard premiums paid. Illustration assumes that there were no minor condition claims made or any outstanding loans.
3. The Total Living Benefit refers to the sum of the Guaranteed Cash Value, and the Return of Premium (if any) payable to the Owner if
he/she decides to surrender/terminate the plan. The Return of Premium is illustrated as paid out at age 75.
4. The Death Benefit or the Major Critical Conditions Benefit is (1) the sum insured payable upon the demise of the insured or diagnosed
of any of the covered Major Critical Conditions less (2) any Minor Critical Conditions Benefits paid, any cash endowment paid, and any
Indebtedness.
5. The Minor Critical Conditions Benefit can be claimed for a maximum of 4 times throughout the lifetime of the policy and should be for
different conditions, except for carcinoma-in-situ of different organs. The amount of benefit paid or payable will be deducted from the
Major Critical Conditions Benefit, Death Benefit, Guaranteed Cash Value or Return of Premium payable under the Basic Plan.
6. All amounts are in the currency indicated in the Summary of Benefits page.
7. This proposal is only an illustration of the key features, benefits and assumptions of the recommended insurance plan. For the
complete terms, conditions and limitations of the plan please refer to your policy contract.

Page 4 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:24 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

CONDITIONS COVERED
Major Critical Conditions
Cancer
Heart Attack
Stroke
Terminal Illness

Minor Critical Conditions

Conditions related to Cancer
Conditions related to the Heart
Conditions related to the Nervous System
1. Carcinoma-in-situ at Breast, Uterus, Fallopian
Tube, Vagina, Cervix Uteri, Testicles, Ovary, Colon,
Rectum, Penis, Lung, Stomach or Vulva
2. Early stage prostate cancer
3. Early Bladder Cancer
4. Early Chronic Lymphocytic Leukemia
5. Angioplasty and Other Invasive Treatments for
Coronary Artery Disease
6. Aortic Aneurysm
7. Insertion of Pacemaker or Defibrillator
8. Keyhole Coronary Bypass Surgery
9. Cerebral shunt insertion

Critical Conditions under the Child Cover Benefit

1. Dengue Hemorrhagic Fever (Grades III and IV)
2. Hemophilia A or Hemophilia B
3. Insulin Dependent Diabetes Mellitus
4. Kawasaki Disease
5. Osteogenesis Imperfecta
6. Rheumatic Fever with Valvular Impairment
7. Still’s Disease
8. Wilson’s Disease

Notes :
1. Any child of the Insured may receive a Child Cover Benefit provided that the child is under eighteen (18) years old at the time of first
diagnosis of the covered Child Critical Condition. This benefit is payable once only, on a first child-to-claim basis.

2. The critical condition must occur 60 days after the policy’s effective date for the corresponding Major Critical Condition Benefit,
Minor Critical Condition Benefit or Child Cover Benefit to be payable. These benefits are payable according to the illness definitions as
set out in the policy contract.

Page 5 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:24 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

MAJOR CRITICAL CONDITIONS

No. ILLNESS NAME DEFINITION
1. Cancer The first unequivocal diagnosis of any malignant tumor characterized by the
uncontrolled growth of malignant cells and invasion of tissue, and positively diagnosed
with histological confirmation by a specialist and/or by Our medical director or
authorized medical consultant. The term malignant tumor includes leukemia, sarcoma
and lymphoma except cutaneous lymphoma (lymphoma confined to the skin).

Breast carcinoma in situ with subsequent radical mastectomy and radiotherapy is

covered.

For the definition shown above, the following are excluded:

1. All tumors which are histologically classified as benign, carcinoma in situ, pre-
malignant, non-invasive, having borderline malignancy or having low
malignant potential;
2. Tumors treated by endoscopic procedures alone and urinary bladder tumors
that have not Invaded the muscle layer (Tis and Ta)
3. Tumors of the skin with the exception of malignant melanoma greater than
0.7 mm Breslow and/or histologically described by the AJCC seventh edition
TNM classification greater than stage T1aN0M0
4. All prostate tumors unless histologically classified as having a Gleason score
greater than 6 or having progressed to at least clinical TNM classification
T2N0M0
5. Thyroid tumor in its early stages that measures less than 2cm in diameter
and histologically described as T1N0M0 from TNM classification of the AJCC
Seventh Edition
6. Chronic lymphotic leukemia unless histologically classified as having
progressed to at least Binet Stage A

2. Heart Attack Death of heart muscle due to inadequate blood supply that has resulted in ALL of the
following evidence of acute myocardial infraction:

· New typical ischemic changes in the electrocardiograph:new ST-T changes or

new left bundle branch block or new pathological Q waves;
· The characteristic rise of cardiac biomarkers or Troponins recorded at the
following levels or higher:
Troponin T > 200ng/L (0.2 ng/ml or 0.2 ug/L)
AccuTnl > 500ng/L (0.5 ng/ml or 0.5 ug/L)

The following are excluded:

· Other acute coronary syndromes

· Angina without myocardial infraction

Page 6 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:24 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

3. Stroke Stroke means the death of brain tissue caused by hemorrhage, embolism or
thrombosis resulting in permanent neurological deficit with persistent clinical
symptoms. There must be clear and obvious abnormalities of sensory or motor
functions during the physical examination performed by a neurologist and/or by Our
medical director or authorized medical consultant. The incident must be demonstrated
by Magnetic Resonance Imaging (MRI), Computerized Tomography (CT) or other
reliable imaging techniques approved by the Company.

The following are excluded:

· Transient ischemic attack
· Brain tissue damage caused by head injury
Death of tissue of the optic nerve or retina / eye stroke
4. Terminal Illness The life Insured must be suffering from a condition, which in the opinion of a specialist
and/or by Our medical director or authorized medical consultant, according to Our
guidelines, will lead to death within twelve (12) months.

Page 7 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:24 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

MINOR CRITICAL CONDITIONS

No. ILLNESS NAME DEFINITION
1. Carcinoma-in-situ Carcinoma-in-situ is defined as a focal autonomous new group of carcinomatous cells
which has not yet resulted in the invasion of normal tissue. Invasion means an
infiltration and/or active destruction of normal tissue beyond the basement
membrane. Diagnosis of carcinoma-in-situ must be supported by a histopathological
report and a positive result of a microscopic examination of fixed tissue, and confirmed
by a biopsy result. Clinical diagnosis does not meet this standard.

For the purpose of this policy, carcinoma-in-situ is limited only to the following 13
organs:
(1) Cervix Uteri* (8) Colon
(2) Uterus (9) Lung
(3) Breast (10) Penis
(4) Vagina (11) Rectum
(5) Fallopian Tube (12) Stomach
(6) Ovary** (13) Vulva
(7) Testicles

*For carcinoma-in-situ of cervix uteri, it must be at a grading of not less than CIN III and
be positively diagnosed upon the basis of a microscopic examination of fixed tissue
from a cone biopsy or colposcopy with cervical biopsy.
**For carcinoma-in-situ of ovary, the tumors should be capsule intact, with no tumor
on the ovarian surface, classified as T1aN0M0, T1bN0M0 (TMN classification) or FIGO
1A, FIGO 1B (The Federation Internationale de Gynecologie et d’Obstetrique).

In order to qualify for a benefit under this illness for the second time, the Carcinoma-in-
situ of the second claim must be a Carcinoma-in-situ of the organs that is different
from the organ of the first claim for which benefit has been paid.

For the avoidance of doubt, for those organs with both left and right component
(including but not limited to breast, ear, eye, fallopian tube, kidney, lung, ovary and
testicle), the left component and right component of the organ shall be considered as
one and the same organ.
2. Early Stage Cancer of A prostate malignant tumor which is histologically classified as T1a, T1b, T1c according
Prostate to the TNM classification system or another equivalent classification, and having a
Gleason score below 7. The diagnosis must be based on histopathological features
and confirmed by a Specialist. Pre-malignant lesions and conditions, unless listed
above, are excluded.
3. Early Stage of Urinary/ Bladder cancer which is histologically described using TNM classification as T1N0M0
Bladder Cancer as well as Papillary micro-carcinoma of Bladder. Diagnosis must be supported by
histopathology report.
4. Early Stage of Chronic Chronic Lymphocytic Leukemia (CLL) RAI Stage 1 or 2. RAI stage CLL 0 or lower is
Lymphocytic Leukemia excluded.
5. Insertion of Pacemaker The undergoing of insertion of a permanent cardiac pacemaker or a cardiac
or Defibrillator defibrillator to correct serious cardiac arrhythmia which cannot be treated via other
methods. The insertion of the cardiac pacemaker or cardiac defibrillator must be
certified to be medically necessary by a specialist in cardiology and/or by Our medical
director or authorized medical consultant, according to Our guidelines.

Page 8 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:24 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

6 Angioplasty and Other
Invasive Treatments for
Coronary Artery Disease
The actual undergoing of balloon angioplasty, atherectomy or laser treatment to
correct narrowing in major coronary arteries (defined as being greater than 50%
stenosis in 2 or more major coronary arteries; or being greater than 75% stenosis in 1
or more major coronary artery by angiogram). The treatment must be considered
medically necessary by a specialist and/or by Our medical director or authorized
medical consultant, according to Our guidelines, either to relieve exercise limiting
symptomatology which is not responding adequately to medical therapy or in order to
achieve a prognostic benefit. For purposes of this definition, “major coronary artery”
refers to any of the left main stem artery, left anterior descending artery, circumflex
artery and right coronary artery (but not including their branches).

In order to qualify for a benefit under this illness, there must be:

(1) History of symptoms which are sufficiently severe to indicate that the Life Insured’s
future level of exercise tolerance would be restricted, despite medications, to a
minimal level without percutaneous intervention; and
(2) Medical evidence including all of the following:
2.1 Report from attending specialist; and
2.2 Evidence of significant and relevant ECG changes (ST segment depression of 2
millimeters or more); and
2.3 Angiographic evidence to confirm the location and degree of stenosis in major
coronary artery.
7. Aortic Aneurysm The diagnosis of a large abdominal or thoracic aortic aneurysm as evidenced by
appropriate imaging technique. The aorta must be enlarged greater than 50 mm in
diameter and the diagnosis must be confirmed by a specialist in cardiology and/or by
Our medical director or authorized medical consultant, according to Our guidelines. For
this definition, aorta means the thoracic and abdominal aorta but not its branches.
8. Keyhole Coronary The undergoing for the first time for the correction of the narrowing or blockage of one
Bypass Surgery or more coronary arteries with bypass grafts via "Keyhole" surgery. The surgery must be
considered medically necessary by a Specialist. All intra-arterial catheter-based
techniques are excluded from this benefit.
9 Cerebral Shunt Insertion The actual undergoing of surgical implantation of a shunt from the ventricles of the
brain to relieve raised pressure in the cerebrospinal fluid. The need of a shunt must be
certified to be medically necessary by a specialist in neurology.

Page 9 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:25 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

CHILDREN COVER BENEFIT CRITICAL CONDITIONS

No. ILLNESS NAME DEFINITION
1. Dengue This severe grade of dengue is characterized by circulatory failure (Dengue Shock Syndrome
Haemorrhagic DSS - WHO DHF grades III and IV), in addition to the 3 symptoms below:
Fever (Grades
III and IV) 1) High fever;
2) Hemorrhagic phenomena;
3) Hepatomegaly.

The diagnosis of Dengue Hemorrhagic Fever must be confirmed by a specialist and/or by Our
medical director or authorized medical consultant, according to Our guidelines. Non-
Hemorrhagic Dengue Fever is excluded.
2. Hemophilia A The covered child or children must be suffering from severe hemophilia A (VIII deficiency) or
OR Hemophilia hemophilia B (IX deficiency) with factor VIII or factor IX activity levels less than one percent (1%).
B Diagnosis must be confirmed by a specialist and/or by Our medical director or authorized
medical consultant, according to Our guidelines.
3. Insulin Diabetes mellitus is chronic hyperglycemia, caused by defective insulin secretion. Insulin
Dependent Dependent Diabetes Mellitus is characterized by the continuous dependence on exogenous
Diabetes insulin for the preservation of life as diagnosed by a specialist and/or by Our medical director or
Mellitus authorized medical consultant, according to Our guidelines, and such dependence must persist
for at least 180 days.
4. Kawasaki This is acute, febrile and multisystem disease of children, characterized by non-suppurative
Disease with cervical lymphadenopathy, skin and mucous membrane lesions. Diagnosis must be confirmed
Heart by a specialist and/or by Our medical director or authorized medical consultant, according to
Complication Our guidelines, and there must be echocardiograph evidence or any other imaging test showing
cardiac involvement manifested by dilatation or aneurysm formation in the coronary arteries
which persists for at least 180 days after the initial acute episode.
5. Osteogenesis This is a genetic disorder characterized by brittle, osteoporotic, easily fractured bones. The
Imperfecta covered child or children must be diagnosed as a type III Osteogenesis Imperfecta confirmed by
the occurrence of all of the following conditions:

1) The result of physical examination of the covered child or children by a Doctor that the
covered child or children suffers from growth retardation and hearing impairment; and
2) The result of X-ray studies reveals multiple fracture of bones and progressive
kyphoscoliosis; and
3) Positive result of skin biopsy.

Diagnosis of Osteogenesis Imperfecta must be confirmed by specialist and/or by Our medical

director or authorized medical consultant, according to Our guidelines.
6. Rheumatic A confirmed diagnosis by a specialist and/or by Our medical director or authorized medical
Fever with consultant, according to Our guidelines, of acute rheumatic fever according to the revised Jones
Valvular criteria for its diagnosis. We only cover the case where there is involvement of one or more
Impairment heart valves and at least mild valve incompetence or stenosis attributable to rheumatic fever as
confirmed by quantitative investigations of the valve function by a qualified cardiologist
acceptable to Us.

Page 10 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:25 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

7. Still's Disease The occurrence of Still's Disease, a form of Juvenile Idiopathic Arthritis (JIL), where all
of the following conditions are met:

1)
There is widespread joint destruction as a result of the disease necessitating
hip or knee replacement; and
2) The diagnosis has been confirmed by a specialist and/or by Our medical
director or authorized medical consultant, according to Our guidelines.
8. Wilson's Disease A potentially fatal disorder of copper toxicity characterized by progressive liver disease
and/or neurologic deterioration due to copper deposit. The diagnosis must be
confirmed by a specialist and/or by Our medical director or authorized medical
consultant, according to Our guidelines, with liver biopsy and the treatment with a
chelating agent must be documented for at least 180 days.

Notes:
1. We will not pay the Major Critical Condition, Minor Critical Condition or the Child Cover Benefit under any of the
following:
a. The Insured is suffering from any Major or Minor Critical Conditions within sixty (60) days following the
Policy Effective Date or last reinstatement date of this Policy, whichever is later
b. For illnesses relating to congenital abnormalities
c. Any act of War (whether declared or not), invasion or acts of foreign enemies, civil war, revolution, rebellion,
civil commotion assuming the proportions of, or amounting to, an uprising against the government, riot or
insurrection, strike, or terrorist acts
d. Nuclear, biological or chemical (NBC) contamination
e. Any self-inflicted injury or suicide or any attempt thereat, whether sane or insane
f. Any unprescribed drug or alcohol abuse
g. Under Child Cover Benefit, we will not pay if the child is suffering from any covered child conditions within
sixty (60) days following the Policy Effective Date or last reinstatement date of this Policy, whichever is later
or the Child Critical Condition which resulted to death is within fourteen days from its diagnosis.
h. Pre-existing conditions as defined is permanently excluded

In case of Child Critical Condition Benefits, illnesses relating to congenital abnormalities are payable.

2. Pre-existing condition means a condition for which the Insured received medical advice, consultation or treatment,
or whose signs or symptoms are evident, or should have been evident to the Insured, even if the Insured did not
seek medical advice, consultation or treatment for it prior to the Effective date of this Policy or date of effectivity of
its last reinstatement, if any. “Condition” means any type of illness, specific injury, disease or infirmity including all
underlying or related conditions and any manifestation thereof, whether in one (1) or more than one body system.

3. Cooling-off Period: You may return or cancel the contract within 15 days from the date you receive the contract. The
amount paid shall be returned in full to you.

Page 11 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:25 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
Health Start Philippine Peso
for: Mr. MALE THE RISK ADVISOR, 25

Attached Supplements
Summary of the Riders Attached to this Proposal
1. WAIVER OF PREMIUM waives premium payments in the event you are suddenly unable to work and pay
for the premiums because of the disability. In effect, with a Waiver of Premium supplement, your policy will
be allowed to continue as if premiums are regularly and continuously paid.

The premium term of the supplement for waiver of premium is the same as the premium term of the plan
to which the supplement for waiver of premium is attached.

Notes:
1. The rates shown, if any, are those currently in effect. The rates may change subject to the approval of the Insurance Commission.
2. For a detailed description of the Supplements, including exclusions and other provisions, please refer to the policy contract.

DECLARATIONS AND ACKNOWLEDGEMENTS

Declarations
I confirm having read and understood the information contained in the Illustration of Benefits Page. My Financial
Advisor/Financial Executive fully explained to me the benefits, feature and, exclusions and limitations related to this
product. I understand that certain conditions may not be payable under the plan, as illustrated in the Exclusions and
Limitations of this proposal and detailed in the Exclusions and Limitations section of the policy contract. I
understand that the illustration(s) given to me are provided only to show how policy benefits would change over time
under a specific set of assumptions. In case of conflict between this Sales Illustration and the issued policy, the
latter shall prevail.
CONFORME: These declarations and acknowledgements are made with the
knowledge of AXA representative whose signature appears below:

Applicant/Policy Owner Date Financial Advisor/Financial Executive Date

Signature over Printed Name Signature over Printed Name

General Disclaimer
All information and opinions provided are of a general nature and for information purposes only. The
information and any opinions herein are based upon sources believed to be reliable, and AXA Philippines,
its officers and directors make no representations or warranty, expressed or implied, with respect to the
correctness, completeness of the information and opinions in this document. Please carefully read the
policy and endorsements and consider the risks, charges and expenses before buying the policy. You
should seek professional advice from your financial, tax, accounting or legal consultant before buying the
policy.
THIS FINANCIAL PRODUCT OF AXA PHILIPPINES IS NOT INSURED BY THE
PHILIPPINE DEPOSIT INSURANCE CORPORATION (PDIC) AND IS NOT
GUARANTEED BY METROBANK OR PS BANK.

Page 12 of 13 of Proposal No. 41625-202105070450-4-02

Printed on: 5/7/2021 4:51:25 PM Created on: 05/07/2021 Expiry Date: 07/06/2021
Version Number: 6.1.0 Date for Next Insurance Age: 10/31/2021
Plan Code: SCI20 / Rider Code: WP
 Reference Number: 41625-202105070450-4-02

FINANCIAL UNDERSTANDING SUMMARY

Dear MALE

Thank you for providing us with relevant information with regards to your financial needs.

Based on your current financial situation, which includes, among others, your personal
monthly gross income of 30,000.00, and after taking into consideration your objectives, risk
profile and priorities, you have selected Health Start 20-Pay for your Health need.

The details of your insurance coverage and your insurance premium are summarized in your
Health Start 20-Pay sales illustration.

REYES, ALJES OPENA

20601
41625
639197402466

This document is not intended to be a part of your sales illustration of your application form. This is a
summary of the financial needs that you have provided during assessment by your distributor.
 Get a health insurance plan
and start protecting your health today!
Health Start protects you and your family from top critical illnesses at a price you can afford

How does Health Start work?

Here’s a sample scenario for a 30 year-old female who pays ₱1,799 monthly for 20 years for a ₱1.2 Million coverage

Jane’s age

At age 30 At age 49 At age 75 At age 80

Jane purchased a Jane’s daughter who is 9 years old Jane will be able to receive back Jane is unfortunately diagnosed
Health Start policy is diagnosed with Kawasaki Disease standard premiums she has paid with breast cancer

Monthly premiums: Benefit received: Return of premium: Benefit received:

₱1,799 ₱200,000 ₱431,760
₱768,240

Policy’s original sum Policy’s effective sum Remaining sum inured: CUSTOMER RECEIVES SUM
insured: ₱1,200,000 insured: ₱1,200,000 ₱768,240 INSURED once diagnosed
with a major critical
condition
 Appendix: Health Start rate sheet
Annual premium rate sheet for ₱1.2 Million Sum Insured
NON-SMOKER SMOKER
ISSUE ANNUAL MONTHLY ISSUE ANNUAL MONTHLY
AGE 10-Pay 20-Pay 10-Pay 20-Pay AGE 10-Pay 20-Pay 10-Pay 20-Pay
18-20 27,792 15,288 2,640 1,452 18-20 29,124 16,020 2,767 1,522
21-25 30,576 17,676 2,905 1,679 21-25 32,580 18,936 3,095 1,799
26-30 36,132 18,936 3,433 1,799 26-30 39,120 20,760 3,716 1,972
31-35 43,068 24,624 4,091 2,339 31-35 47,424 27,636 4,505 2,625
36 43,692 27,576 4,151 2,620 36 48,348 31,056 4,593 2,950
37 45,972 29,016 4,367 2,757 37 51,084 32,832 4,853 3,119
38 48,444 30,576 4,602 2,905 38 54,036 34,752 5,133 3,301
39 51,120 32,256 4,856 3,064 39 57,204 36,828 5,434 3,499
40 54,012 34,080 5,131 3,238 40 60,600 39,024 5,757 3,707
41 57,288 36,060 5,442 3,426 41 64,380 41,388 6,116 3,932
42 60,720 38,232 5,768 3,632 42 68,280 43,908 6,487 4,171
43 64,500 40,608 6,128 3,858 43 72,516 46,620 6,889 4,429
44 67,476 42,480 6,410 4,036 44 75,840 48,756 7,205 4,632
45 69,864 43,980 6,637 4,178 45 78,492 50,472 7,457 4,795
46 73,716 46,296 7,003 4,398 46 82,728 53,100 7,859 5,045
47 76,932 48,312 7,309 4,590 47 86,268 55,356 8,195 5,259
48 80,124 50,316 7,612 4,780 48 89,760 57,588 8,527 5,471
49 83,328 52,320 7,916 4,970 49 93,288 59,832 8,862 5,684
50 86,520 54,336 8,219 5,162 50 96,732 62,052 9,190 5,895
51 89,952 56,352 8,545 5,353 51 100,140 64,272 9,513 6,106
52 93,156 58,356 8,850 5,544 52 103,764 66,396 9,858 6,308
53 96,360 58,500 9,154 5,558 53 107,388 66,108 10,202 6,280
54 99,564 58,956 9,459 5,601 54 110,496 66,624 10,497 6,329
55 102,792 59,400 9,765 5,643 55 113,484 67,128 10,781 6,377
56 106,116 - 10,081 - 56 117,168 - 11,131 -
57 109,560 - 10,408 - 57 120,948 - 11,490 -
58 113,100 - 10,745 - 58 124,872 - 11,863 -
59 116,760 - 11,092 - 59 128,220 - 12,181 -
60 117,300 - 11,144 - 60 127,176 - 12,082 -
61 117,720 - 11,183 - 61 127,632 - 12,125 -
62 118,140 - 11,223 - 62 128,088 - 12,168 -
63 118,560 - 11,263 - 63 128,544 - 12,212 -
64 118,980 - 11,303 - 64 129,000 - 12,255 -
65 119,400 - 11,343 - 65 129,456 - 12,298 -

NOTES:
1. For Family Coverage, simply add the respective ANNUAL premiums of both ages and apply a discount of 35%. Other payment modes will follow the current modal premium factors which are as follows: 0.52 for semi-annual, 0.27 for quarterly, 0.095 for monthly.
2. The premiums above are for Standard Risk only.
3. The premiums above are level-pay but AXA Philippines reserves the right to review and adjust the premium rates from time to time. We will communicate any change in premium rates by mail or in any other applicable form.
4. Final premium may vary due to rounding.