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1. What is this extended grace period about?In light of the energy crisis, we are offering support to our customers through the extension of the premium due grace period. They now have 60 or 90-days grace period depending on their premium due date. Policyholders are given up to 60 days:If due date falls from March 24 to April 14 and June 1 to 30, 2026.  Policyholders are given up to 90 days:If due date falls from April 15 to May 31, 2026.2. Who is covered by this program?All policies with premium due dates within the following periods are covered:March 24 to April 14, 2026 → 60-day grace periodApril 15 to May 31, 2026 → 90-day grace period*June 1 to June 30, 2026 → 60-day grace period*Note: Policies include Life, Health and General Insurance.3. How does the grace period extension apply?By policy contract, the policyholder has 31 days from the policy premium due date to pay the premium before the policy lapses or switches to deduct the premium due from the policy account value.The extended grace period means that the policyholder now has up to 60 or 90 days to make a payment before the above happens. See table below to illustrate how the extension works:4. Does this mean that I will be billed 60 or 90 days from my due date?No, there will be no changes in your due date, only the grace period will be extended. This means that normal billing cycle will still be followed and that you will be billed based on your existing billing cycle. 5. I am enrolled to automated payments; are you going to deduct the payment 60 days from due date?Affected policies enrolled to automatic payment schedule via bank account or credit card will still follow the normal billing cycle. Therefore, any premium due will still be automatically debited from the policyholder’s enrolled account on the policy’s due date. However, unsuccessful auto debits have zero charges to the customer.6. What will happen if I’m unable to pay my premium after the normal 31-day grace period?While the billing, due dates, and premium reminders remain the same, policies that are covered by the program will be given considerations as follows:a. If your policy has lapsed or become inactive, or is on a non-forfeiture option, and it’s still within the extended grace period, we will   automatically reactivate it and waive any interest charges.b. If an automatic premium loan is used, the payment will go toward the loan, and we will waive the interest.c. If the account value is used to pay the premium, we will reverse any charges first before applying the payment as the premium.7. What will happen if I’m still unable to pay my premium after the extended grace period?Standard policy terms and conditions will apply on lapsation, activation of non-forfeiture options, if any and automatic application of account value to premium cases with no considerations. Existing reinstatement guidelines and routine requirements shall apply.8. Why am I still receiving payment reminders?Premium reminders are system-generated and will still be received by customers covered by the program given that no changes will be made on billing and due dates. Customers are still encouraged to pay on time if possible. However, please disregard any lapsation notices within the extended grace period.9. What fund price will be applied when I make a payment?Fund price that will be applied will be based on the date of payment, not on the billing date. If payment was made in April 2026 for a March 2026 due date, fund prices for April 2026 will be applied.10. Can I file for a claim on my Global Health Access and/or Health Care Access policy during the extended grace period?Should a claim occur during the extended grace period for Global Health Access or Health Care Access policies, policyholders will be asked to settle the premium due first before the settlement of the claim.11. What will happen to premiums due starting July 1, 2026?Premiums due starting July 1, 2026 will revert to the normal 31-day grace period.12. Can I still pay my premium if my policy has lapsed but is within the extended grace period?Yes. You may still settle your premium through https://www.axa.com.ph/payments/premium-onetime. Simply select "Reinstatement" as the payment purpose, enter your policy number and amount due, and follow the steps to complete your online payment.

Calamity Assistance for Customers Affected by Typhoons Tino and Uwan1. What is this calamity assistance program about?We are offering support to our customers most affected by the aftermath of Typhoons Tino and Uwan through the extension of their premium due grace period. Affected customers are given up to 90 days from due date to pay their premiums vs. the normal 31-day grace period. For Global Health Access and Health Care Access policyholders, grace period will be extended to 60 days.2. Who are covered by this program?Policies that satisfy BOTH criteria below are eligible to the 90-day* grace period:a. Policies with due dates that fall in the specified period below. Due dates outside this period will retain the normal grace period.​b. With recorded addresses included in the locations declared under state of calamity.*60-day grace period for Global Health Access and Health Care Access policyholders.3. I reside in the typhoon-affected area qualified in the extension but my address on record is not updated. Can I avail of the 90-day grace period extension?If in case customer mailing address on record is not updated, please call our Customer Care hotline at (02) 8 581-5292 or email us at customer.service@axa.com.ph.​ ​In cases where you may be affected by the typhoon, but your mailing address is not part of the listed affected areas of the typhoon, you may request to still apply for a grace period extension through our Customer Service hotline or via email. Please submit proof of residence such as government-issued IDs or utility bills. However, please note that this is not an automatic approval and will be subjected to evaluation. You can expect feedback from us in 1 – 2 working days for traditional policies like AXA Secure Future, Assure, Health Max, etc. and 3 – 5 working days for unit-linked policies such as MyLifeChoice.4. How does the grace period extension apply? By policy contract, the policyholder has 31 days from the policy premium due date to pay the premium before the policy lapses or switches to deduct the premium due from the policy’s account value. The extended grace period means that the policyholder now has up to 90 days* from the premium due date to make a payment before the above action/s happen. See example below:*60-day grace period of Global Health Access and Health Care Access policyholders.5. Does this mean that I will be billed after 90 days from my due date?No, there will be no changes in your due date, only the grace period will be extended. This means that normal billing cycle will still be followed and that you will be billed based on your existing billing cycle.6. I am enrolled to automated payments; are you going to deduct the payment 90 days from due date?​Affected policies enrolled to automatic payment schedule via bank account or credit card will still follow the normal billing cycle. Therefore, any premium due will still be automatically debited from the policyholder’s enrolled account (billing or debiting happens every 5th or 20th of the month depending on the policyholder’s assigned cycle).However, unsuccessful debits will not incur any charge. Should you wish to change your debit arrangement, please call our Customer Care hotline at (02) 8 581-5292 or email us at customer.service@axa.com.ph.7. What will happen if I’m unable to pay my premium after the normal 31-day grace period?While the billing, due dates, and premium reminders remain the same, policies that are covered by the program will be given considerations as follows:a. If your policy has lapsed or become inactive, or is on a non-forfeiture option, and it’s still within the extended grace period, we will automatically reactivate it and waive any interest charges.b. If an automatic premium loan is used, the payment will go toward the loan, and we will waive the interest.c. If the account value is used to pay the premium, we will reverse any charges first before applying the payment as the premium.8. What will happen if I’m still unable to pay my premium after the extended grace period?Standard policy terms and conditions will apply on lapsation, activation of non-forfeiture options, if any and automatic application of account value to premium cases with no considerations. Existing reinstatement guidelines and routine requirements shall apply.9. Why am I still receiving payment reminders?Premium reminders are system-generated and will still be received by customers covered by the program given that no changes will be made on billing and due dates. Customers are still encouraged to pay on time if possible. However, please disregard any lapsation notices within the extended grace period.10. What fund price will be applied when I make a payment?Fund price that will be applied will be based on the date of payment, not on the billing date. If payment was made in February 2026 for a November 2025 due date, fund prices for February 2026 will be applied.11. Can I file for a claim on my Global Health Access and/or Health Care Access policy during the extended grace period?Should a claim occur during the extended grace period for Global Health Access or Health Care Access policies, policyholders will be asked to settle the premium due first before the settlement of the claim.12. What will happen to premiums due starting November 11, 2025 and November 15, 2025 for those affected by Typhoon Tino and Uwan, respectively?Premiums due starting November 11, 2025 (Typhoon Tino - affected areas) and November 15, 2025 (Typhoon Uwan -affected areas) will revert to the normal 31-day grace period.

Calamity Assistance for Customers Affected by Typhoons Crising, Dante, Emong1. What is this calamity assistance program about?We are offering support to our customers most affected by the aftermath of Typhoons Crising, Dante, and Emong through the extension of their premium due grace period. Affected customers are given up to 90 days from due date to pay their premiums vs. the normal 31-day grace period. For Global Health Access and Health Care Access policyholders, grace period will be extended to 60 days.2. Who are covered by this program?Policies that satisfy BOTH criteria below are eligible to the 90-day* grace period:a. Policies with due dates from July 16, 2025 to July 25, 2025. Due dates outside this period will retain the normal grace period.b. With recorded addresses included in the locations declared under state-of-calamity:Metro Manila – Quezon City, Manila, Malabon City, Las Pinas City, Marikina City, Navotas City, Valenzuela City, Caloocan City, Muntinlupa City, Paranque CityCALABARZON – Cavite; Rizal; Laguna; Agoncillo, Laurel, Nasugbu, San Luis, Tingloy, Tanauan in BatangasCordillera Administrative Region – Benguet; La TrinidadCentral Visayas – Cebu CityWestern Visayas – Sebaste, Barbaza, Culasi in Antique; Negros Occidental, IloiloMIMAROPA – Roxas, Palawan; Occidental Mindoro*60-day grace period for Global Health Access and Health Care Access policyholders.General insurance policies are excluded. 3. I reside in the typhoon-affected area qualified in the extension but my address on record is not updated. Can I avail of the 90-day grace period extension?If in case customer mailing address on record is not updated, please call our Customer Care hotline at (02) 8 581-5292 or email us at customer.service@axa.com.ph. In cases where you may be affected by the typhoon, but your mailing address is not part of the listed affected areas of the typhoon, you may request to still apply for a grace period extension through our Customer Service hotline or via email. Please submit proof of residence such as government-issued IDs or utility bills. However, please note that this is not an automatic approval and will be subjected to evaluation.4. How does the grace period extension apply? By policy contract, the policyholder has 31 days from the policy premium due date to pay the premium before the policy lapses or switches to deduct the premium due from the policy’s account value. The extended grace period means that the policyholder now has up to 90 days* from the premium due date to make a payment before the above action/s happen. See example below:*60-day grace period of Global Health Access and Health Care Access policyholders.5. Does this mean that I will be billed after 90 days from my due date?No, there will be no changes in your due date, only the grace period will be extended.  This means that normal billing cycle will still be followed and that you will be billed based on your existing billing cycle.6. I am enrolled to automated payments; are you going to deduct the payment 90 days from due date?Affected policies enrolled to automatic payment schedule via bank account or credit card will still follow the normal billing cycle. Therefore, any premium due will still be automatically debited from the policyholder’s enrolled account (billing or debiting happens every 5th or 20th of the month depending on the policyholder’s assigned cycle). However, unsuccessful debits will not incur any charge. Should you wish to change your auto-debit arrangement, please call our Customer Care hotline at (02) 8 581-5292 or email us at customer.service@axa.com.ph.7. What will happen if I’m unable to pay my premium after the normal grace period?While the billing, due dates, and premium reminders remain the same, policies that are covered by the program will be given considerations as follows:a. If your policy has lapsed or become inactive, or is on a non-forfeiture option, and it’s still within the extended grace period, we will automatically reactivate it and waive any interest charges.b. If an automatic premium loan is used, the payment will go toward the loan, and we will waive the interest.c. If the account value is used to pay the premium, we will reverse any charges first before applying the payment as the premium.8. What will happen if I’m still unable to pay my premium after the extended grace period?Standard policy terms and conditions will apply on lapsation, activation of non-forfeiture options, if any and automatic application of account value to premium cases with no considerations. Existing reinstatement guidelines and routine requirements shall apply.9. Why am I still receiving payment reminders?Premium reminders are system-generated and will still be received by customers covered by the program given that no changes will be made on billing and due dates. Customers are still encouraged to pay on time if possible. However, please disregard any lapsation notices within the extended grace period. 10. What fund price will be applied when I make a payment?Fund price that will be applied will be based on the date of payment, not on the billing date. If payment was made in October 2025 for a July 2025 due date, fund prices for October 2025 will be applied. 11. Can I file for a claim on my Global Health Access and/or Health Care Access policy during the extended grace period?Should a claim occur during the extended grace period for Global Health Access or Health Care Access policies, policyholders will be asked to settle the premium due first before the settlement of the claim. 12. What will happen to premiums due starting February 9, 2025?Premiums due starting July 26, 2025 will revert to the normal 31-day grace period.

Medical Service Provider Transition FAQsGeneral QuestionsWhat is happening with AXA's current medical service provider?​AXA Philippines (AXA) will transition from its current medical service provider, Avega, to Maxicare Healthcare Corporation (Maxicare). Avega will still act as its third-party administrator (TPA) in processing your healthcare benefits and services until the transition is fully implemented.​When will the change take effect?​Starting March 3, 2025, Maxicare will become the official medical service provider for all AXA customers with health plans.​What is a third-party administrator? Is it the same as a medical service provider?​A third-party administrator or a TPA's role in an insurance company is to deliver and fulfill health insurance claims on behalf of the insurance policyholders. In this case, AXA's TPA assists AXA's health policyowners in managing their claims by facilitating the delivery and fulfillment of their plan's health benefits by providing access to its accredited network of hospitals, clinics, and health professionals. They are also referred to as health or medical service providers or partners.​Why is AXA making a transition in its medical service provider?​The transition aims to introduce improvements and new solutions focused on optimizing processes, enhancing service quality, and streamlining claims management to provide customers a convenient and hassle-free experience. ​Who will benefit from this change?​AXA's health policyholders who own a Global Health Access/GHA, and Health Care Access/HCA plan, those who wish to process health claims, and new health policyholders will all benefit from Maxicare's medical services and expansive network.​How will this change benefit the customers?​Once the change takes effect on March 3, 2025, AXA health customers will have Maxicare as the new medical service provider for their AXA health plans. This means that customers filing a health claim will now rely on Maxicare to fulfill their healthcare benefits. Customers with ongoing health claims will continue to receive services from AVEGA until the transition is complete, after which Maxicare will take over.​What key changes are expected with the change?​As the new medical service provider, Maxicare will be AXA's new partner in delivering and fulfilling AXA's healthcare benefits when its health customers file for a claim. Enhancements include:​- Faster turnaround time by receiving responses to inquiries and Letter of Authorization (LOG) request within 24 hours​- Wider network of accredited facilities through access to Maxicare’s 34 primary care clinics and 5 exclusive wings, 20,000 doctors, 1,500 hospitals and clinics nationwide​- 24/7 dedicated AXA Contact Center Hotline with round-the-clock support for all health-related inquiries​How will customers be informed about the change?​Customers will be notified of the change before it takes effect through an email announcement, and again on March 3, when the transition is complete. AXA Financial Advisors will update their clients, while customer care representatives will provide assistance through our AXA Contact Center Hotline.​What can customers do to learn more about the change?​Customers can refer to the emails sent, which contain all the necessary information on the transition. For inquiries on processes, services, and network facilities, they may contact AXA Contact Center Hotline or visit the AXA website to know more.​How can I provide feedback about the transition?​For any questions or inquiries about the transition, you can speak with your Financial Executive/FE or reach out to AXA Contact Center Hotline.​Products and BenefitsIs there a process that customers need to do to switch to the new medical service provider?​No action is required on your part to switch to the new medical service provider, as AXA will ensure a smooth, seamless transition experience to Maxicare.​What benefits can customers expect from the new medical service provider?​Customers can expect the same benefits and coverage, but with a better overall healthcare experience with Maxicare, such as​- Faster turnaround time by receiving responses to inquiries and Letter of Authorization (LOG) request within 24 hours​- Wider network of accredited facilities through access to Maxicare’s 34 primary care clinics and 5 exclusive wings, 20,000 doctors, 1,500 hospitals and clinics nationwide​- 24/7 dedicated AXA Contact Center Hotline with round-the-clock support for all health-related inquiries​Will customers still have access to the same healthcare professionals as before?​As long as they are part of Maxicare's network of accredited doctors and healthcare professionals, you can still access their services when you file for a health claim.​What should customers do if their doctor is not part of the new network?​You may check Maxicare's list of accredited doctors, hospitals, and clinics to look for an alternative healthcare specialist, service, or facility.​Will there be any differences in coverage for preventive care services like health screenings and teleconsultation?​Your coverage remains the same for all your benefits, as outlined in your plan.​Are there any additional costs with the change to the new medical service provider?​There are no additional costs needed to be paid during the transition. Benefits included in your health plan will remain the same.​Will the change affect the benefits from the customers’ health plan?​Customers who will file for a health claim from their GHA or HCA plans will have their coverage benefits fulfilled by Maxicare. This means AXA health customers will enjoy a smoother service experience and faster response times from its healthcare facilities when claiming their benefits. However, the transition to a new provider will not affect customers' premium rates.​Will the change affect customers' ongoing claim benefits?​Customers with ongoing health claims before the transition is completed on March 3, 2025 will continue to receive services from AVEGA. After this, Maxicare will take over.​Will the change affect customers' premium rates?​The transition to the new medical service provider will not affect customers' premium rates.​Where can customers find a list of accredited network providers under the new plan?​You can find this information via our website: www.axa.com.ph or download Emma by AXA app.​Claims and Service ProcessesWhat should I do if I have ongoing treatments during the transition?​If you have ongoing treatments being handled by AVEGA before the transition to Maxicare, you can continue with your scheduled appointment. We encourage you to reach out to our Customer Care Team for personalized assistance to ensure that the services you need remain uninterrupted throughout the transition. Claims filed after March 3, 2025 will be processed by Maxicare.​What happens if a customer is currently getting treatment at an Avega-accredited facility?​A sample scenario: A customer is hospitalized due to an illness before March 3 but is expected to be discharged after March 3. ​​Customers with ongoing health claims before the transition is completed on March 3, 2025 will continue to receive services from Avega, then the case will be endorsed to Maxicare to take over until discharge. ​What happens if a customer is currently getting treatment at a facility or from a doctor that is Avega-accredited and not Maxicare-accredited?​A sample scenario: A customer is hospitalized due to a chronic illness before March 3 with follow-up treatments required after March 3, but the attending physician is not accredited with Maxicare.​Customers will be able to continue their treatments with no disruption through Avega. A 90-day grace period will be provided for follow-up consultations and treatments with the same physician to ensure continuity of care. The attending physician will be referred for accreditation under Maxicare.​Are there changes in how I can contact Customer Care if I encounter any issues with my claim?​There are no major changes to how you can contact AXA Contact Center Hotline. You can continue to reach us via phone, email, or through the Emma by AXA PH app. Our team is ready to assist you with any claim-related concerns.​​Are there guides available for customers to assist them in filing a health claim?​​Yes! We will provide comprehensive guides and resources on our website and through the Emma by AXA PH app to help you navigate the claims process easily.​​Emma by AXA PH App and New EMV CardWhat new features will be available in the Emma by AXA PH app after the transition?​After the transition to Maxicare, the Emma by AXA PH app will feature enhanced capabilities, including accessing health plan details, scheduling appointments, requesting for Letter of Guarantee (LOG), viewing the list of accredited medical network, and managing health information through a more user-friendly interface.​Can I use the Maxicare app? Is it interchangeable with the Emma by AXA PH app?​The Maxicare app will not be interchangeable with the Emma by AXA PH app. Once the transition is complete, we encourage you to use the Emma by AXA app for all your health service needs.​How can the new app features help improve my experience in managing my health services?​The new features are designed to provide convenience in managing the health services available for you. With the enhanced capabilities, it's now easier for you to access health plan details, schedule appointments, request for Letter of Authorization (LOA), view the list of accredited medical network, and manage your health information through a more user-friendly interface.​Will I be receiving a new card?​Yes! You will receive a new insurance card indicating your coverage under the new medical service provider. The interim card will be mailed to you and expected to be received on or before 3 March.​I haven’t received my interim card, what should I do?​You can use your eCard available via the Emma by AXA app to access Maxicare Primary Care Clinics and network facilities until you receive your physical cards.​What can the new permanent card do?​The permanent card to be sent and received on or before 2 June will have a significant upgrade from your current GHA/HCA card. It is now equipped with an EMV chip, offering enhanced access, improved security, and greater convenience. It will be recognized at all accredited facilities, ensuring seamless access to available services.​I received my EMV card, what do I do with my interim card?​You can already replace your interim card with the new EMV card you received to give you enhanced access, benefits, and security in all accredited Maxicare facilities.​Distributor/Financial Advisor GuideWhat should I tell my clients about the transition to the new medical service provider?​Reassure your health clients that the transition to the new medical service provider will be seamless, ensuring that they continue to receive high-quality healthcare. Inform them that detailed information about any changes will be provided, and our customer care team will remain readily available to address any questions they may have.​How can I assist my clients in understanding their new coverage options?​Encourage your clients to review their health plan with you and take the opportunity to walk them through the enhanced key features and benefits. Highlight any improvements compared to the previous provider to ensure they understand the added value. Remind them that they can reach out to you and our customer care team for any clarifications.​What resources are available for me to help my clients during this transition?​We will provide all the necessary information through cascade sessions, training materials, FAQs, and access to customer service representatives who can assist you when dealing with complex inquiries. Make sure to familiarize yourself with these resources so you can effectively support your clients.​How will the change in medical service provider affect claims processing?​Claims processing should remain efficient, though there may be minor adjustments during the transition. Make sure your health clients are aware that they can contact AXA for any support or guidance they need when filing claims.​What should I advise my clients to do if their doctor is not part of the new network?​Advise clients to contact AXA Customer Center Hotline for assistance in finding an alternative healthcare provider within Maxicare's network. We can help them understand their options and ensure that they continue to receive all the necessary services.​Are there any specific benefits that clients can expect from the new provider?​Clients can look forward to better access to Maxicare's expanded network of healthcare professionals, improved customer support, and potentially enhanced coverage options tailored to their needs.​How can I explain the changes in preventive care services to clients?​Inform clients that while preventive care services will remain covered, there may be updates in the process or enhancements of services under the new medical service provider. Encourage your clients to review their health plan with you for the details and remind them that we’re here to answer any questions.​What should I do if a client has concerns about additional costs associated with the new provider?​Reassure clients that there will be no additional costs on their end, and if anything, theit benefits will be enhanced compared to the current set-up.​How will I be updated about the changes or developments during this transition?​You will receive regular updates via email and through our internal communication channels, including cascades sessions, viber network, and training programs. Stay connected and participate in these events events to ensure you can accurately guide your clients.​Can I directly assist clients in filing claims with the new provider?​Yes, you can guide clients on how to file their claims. Encourage them to gather all the necessary documentation before filing to ensure seamless claims processing and servicing.​How can I explain the changes in preventive care services to clients?​Inform clients that while preventive care services will remain covered, there may be updates in the process or enhancements of services under the new medical service provider. Encourage your clients to review their health plan with you for the details and remind them that we’re here to answer any questions.​What should I do if a client has concerns about additional costs associated with the new provider?​Reassure clients that there will be no additional costs on their end, and if anything, theit benefits will be enhanced compared to the current set-up.​How will I be updated about the changes or developments during this transition?​You will receive regular updates via email and through our internal communication channels, including cascades sessions, viber network, and training programs. Stay connected and participate in these events events to ensure you can accurately guide your clients.​Can I directly assist clients in filing claims with the new provider?​Yes, you can guide clients on how to file their claims. Encourage them to gather all the necessary documentation before filing to ensure seamless claims processing and servicing.​Contact InformationCustomer Care:Call these numbers anytime, for any health inquiries:​(+632) 8 581-5292​(+63) 917 170-9292 (Globe)​(+63) 919 056-5292 (Smart)​or email customer.service@axa.com.ph.​Financial Advisor / Financial Executive:​Talk to your advisor or bank executive for details about the change.​

Sign up to the campaign promo HERE.Promo Period:Redemption Period: January 22 – *August 31, 2025Merchant:Any participating Krispy Kreme Philippines branch* accredited by GiftAway.*The list of participating Krispy Kreme Philippines branches is listed in the link attached below this article.Promo Offer Details:Qualified individuals must sign-up through the online advertisement* by AXA Philippines seen through Facebook, Online Websites, YouTube, Gmail, or Google’s Search Engine results page. The advertisement indicates the promo offer that can be earned by:Signing-up to the landing page of the ad within the AXA Philippines websiteCompleting a *financial needs assessment from an AXA Financial Advisor/PartnerEarn one (1) *Krispy Kreme Original Glazed Donut and one (1) 12 oz Signature Brewed Coffee once the above are completed.Voucher will be sent within 10-15 business days after phone meeting discussion with financial needs assessment completion with an AXA Financial Advisor. This can be redeemed until August 31, 2025.*A tracking system called UTM will be the parameter to trace customers who signed-up through the online advertisements.*A financial needs assessment is a discussion with one of the AXA Financial Advisors about your financial needs with the aim of providing you a suitable protection plan that will meet your needs. *Krispy Kreme may change their prices without prior notice. In case of this unexpected scenario, the voucher will still be valid but additional increase in price may or may not be covered immediately by the voucher.View list of Krispy Kreme Branches

Calamity Assistance for Customers Affected by Typhoons Pepito, Nika, and Ofel FAQs1. What is this calamity assistance program about?We are offering support to our customers most affected by the devastating aftermath of Typhoons Pepito, Nika, and Ofel through the extension of their premium due grace period. These selected customers are given up to 90 days from due date to pay their premiums vs. the normal 31-day grace period. For Global Health Access and Health Care Access policyholders, grace period will be extended to 60 days.2. Who are covered by this program?Policies that satisfy BOTH criteria below are eligible to the 90-day* grace period:a. Policies with due dates from November 9, 2024 to February 8, 2025. Due dates outside this period will retain the normal grace period.b. With recorded addresses included in the locations declared under state-of-calamity:Provinces: 1. Quirino 2. Nueva Vizcaya 3. Isabela 4. Aurora 5. Catanduanes 6. Mountain Province Municipalities: 1. Bangar, La Union 2. Bautista, Pangasinan 3. Baggao, Cagayan 4. Licab, Nueva Ecija 5. Auginaldo, Ifugao 6. Asipulo, Ifugao*60-day grace period for Global Health Access and Health Care Access policyholders.3. I reside in the typhoon-affected area qualified in the extension but my mailing address on record is not updated. Can I avail of the 90-day grace period extension?If in case customer mailing address on record is not updated, please call our Customer Care hotline at (02) 8 581-5292 or email us at customer.service@axa.com.ph.In cases where you may be affected by the typhoon, but your mailing address is not part of the listed affected areas of the typhoon, you may request to still apply for a grace period extension through our Customer Service hotline or via email. However, please note that this is not an automatic approval and will be subjected to evaluation.4. How does the grace period extension apply? By policy contract, the policyholder has 31 days from the policy premium due date to pay the premium before the policy lapses or switches to deduct the premium due from the policy’s account value. The extended grace period means that the policyholder now has up to 90 days* from the premium due date to make a payment before the above action/s happen. See example below:*60-day grace period of Global Health Access and Health Care Access policyholders.5. Does this mean that I will be billed after 90 days from my due date?No, there will be no changes in your due date, only the grace period will be extended.  This means that normal billing cycle will still be followed and that you will be billed based on your existing billing cycle.  6. I am enrolled to automated payments; are you going to deduct the payment 90 days from due date?Affected policies enrolled to automatic payment schedule via bank account or credit card will still follow the normal billing cycle. Therefore, any premium due will still be automatically debited from the policyholder’s enrolled account (billing or debiting happens every 5th or 20th of the month depending on the policyholder’s assigned cycle). However, unsuccessful debits will not incur any charge. Should you wish to change your debit arrangement, please call our Customer Care hotline at (02) 8 581-5292 or email us at customer.service@axa.com.ph.7. What will happen if I’m unable to pay my premium after the normal grace period?While nothing will change in the billing, due dates, and premium reminders, policies that are covered by the program will be given considerations as follows:a. If the policy is lapsed or on chosen non-forfeiture option status and within the extended grace period, we will auto-reinstate the policy and waive the interest (if any)b. If automatic premium loan is applied, we will apply the payment to loan and waive the interestc. If account value to premium is applied, the charges will be reversed before applying payment as premium.8. What will happen if I’m still unable to pay my premium after the extended grace period?Standard policy terms and conditions will apply on lapsation, activation of non-forfeiture options, if any and automatic application of account value to premium cases with no considerations. Existing reinstatement guidelines and routine requirements shall apply.9. Why am I still receiving payment reminders?Premium reminders are system-generated and will still be received by customers covered by the program given that no changes will be made on billing and due dates. Customers are still encouraged to pay on time if possible. However, please disregard any lapsation notices within the extended grace period. 10. What fund price will be applied when I make a payment?Fund price that will be applied will be based on the date of payment, not on the billing date. If payment was made in January 2025 for a November 2024 due date, fund prices for January 2025 will be applied. 11. Can I file for a claim on my Global Health Access and/or Health Care Access policy during the extended grace period?Should a claim occur during the extended grace period for Global Health Access or Health Care Access policies, policyholders will be asked to settle the premium due first before the settlement of the claim. 12. What will happen to premiums due starting February 9, 2025?Premiums due starting February 9, 2025 will revert to the normal 31-day grace period.

MechanicsWhat is the offer?Selected lapsed policies are qualified for a waiver of their overdue interest if they reinstate their policies before Dec 27, 2024. These are customers whose policies were issued last Nov 2022 to Oct 2023 and lapsed but were not reached by Customer Retention officers. Reinstating these policies will greatly impact our 19MP targets. Plus, distributors will receive a special Christmas voucher from AXA Philippines!Who are qualified?Selected lapsed policies issued from Nov 2022 to Oct 2023 who were not contacted by Customer Retention team are pre-qualified to avail the special reinstatement waiver of overdue interest. The reinstated policy and servicing distributor should be active until January 31, 2024. Redating does not qualify for a special Christmas voucher.How will the distributor know if his/her customer is pre-selected for this campaign?The distributor will receive an email notification about the campaign with details of the policy, specifically, the customer's name and last 4 digits of their policy number.What will I get if my customer reinstates?Should your pre-qualified customer reinstate on or before December 27, it will help you achieve your 19MP target! Plus, get a special Christmas voucher from AXA Philippines provided that the policy is in-force until January 31, 2024. Get one gift voucher for every reinstated policy.Until when is the promo period?The pre-selected lapsed policies should be reinstated and in force before December 27, 2024 and should remain in-force until January 31, 2024 to receive the special Christmas voucher worth P1,000 from AXA Philippines.

What is this offer all about?​Emma is giving away ₱2,000 worth of Giftaway e-vouchers to five (5) lucky customers who will download and register to Emma by AXA web or mobile app from November 16 to December 15, 2024.How long is the offer period?​​This offer will run from November 16 to December 15, 2024, for all active AXA policyholders who will download and register to Emma by AXA PH.Who are eligible to join?​​​Customers who have an existing or newly activated life or general insurance policy without an Emma by AXA PH account yet, during the offer period. How can I qualify? ​​Simply download and register to Emma by AXA PH from from November 16 to December 15, 2024, using the active email address on your AXA policy application and your mobile number. If you need to update your email address and qualify as an existing policyholder, please reach out through the following channels so we can assist you in updating your AXA policy contact records:AXA Branches ► View our list of branchesAXA Live Chat at https://www.axa.com.ph/contact-us AXA Customer Service Email at customer.service@axa.com.phI am an existing customer, and I have downloaded Emma by AXA PH. Am I still qualified? ​The offer is exclusively available for customers who have newly downloaded and registered to Emma by AXA PH during the raffle period. Keep using Emma by AXA PH for your policy-related transactions and stay tuned for upcoming announcements!​ How do I know if I won? ​ We will send you an SMS or email notification via Giftaway, confirming that you've won. This also includes your e-vouchers. Please ensure that your mobile number and email address in Emma by AXA PH are updated and active since we will send the vouchers to your registered contact information.Raffle draw winners will be announced on or before December 31, 2024​.How do I redeem my vouchers?​Should you be one of the lucky winners, you will receive a confirmation SMS or email from us via Giftaway with details on how to redeem your vouchers. ​Where can I find more details about this and other similar offers?​You may connect and reach out to us through any of the channels below: AXA Branches ► View our list of branchesAXA Live Chat at https://www.axa.com.ph/contact-us AXA Customer Service Email at customer.service@axa.com.ph 

What is this offer all about?​Emma is giving away ₱2,000 worth of Giftaway e-vouchers to five (5) lucky customers who will download and register to Emma by AXA web or mobile app from October 16 to November. 16, 2024​.How long is the offer period?​​This offer will run from October 16 to November. 16, 2024, for all active AXA policyholders who will download and register to Emma by AXA PH.Who are eligible to join?​​​Customers who have an existing or newly activated life or general insurance policy without an Emma by AXA PH account yet, during the offer period. How can I qualify? ​​Simply download and register to Emma by AXA PH from from October 16 to November. 16, 2024, using the active email address on your AXA policy application and your mobile number. If you need to update your email address and qualify as an existing policyholder, please reach out through the following channels so we can assist you in updating your AXA policy contact records:AXA Branches ► View our list of branchesAXA Live Chat at https://www.axa.com.ph/contact-us AXA Customer Service Email at customer.service@axa.com.phI am an existing customer, and I have downloaded Emma by AXA PH. Am I still qualified? ​The offer is exclusively available for customers who have newly downloaded and registered to Emma by AXA PH during the raffle period. Keep using Emma by AXA PH for your policy-related transactions and stay tuned for upcoming announcements!​ How do I know if I won? ​ We will send you an SMS or email notification via Giftaway, confirming that you've won. This also includes your e-vouchers. Please ensure that your mobile number and email address in Emma by AXA PH are updated and active since we will send the vouchers to your registered contact information.Raffle draw winners will be announced on or before November 30, 2024​.How do I redeem my vouchers?​Should you be one of the lucky winners, you will receive a confirmation SMS or email from us via Giftaway with details on how to redeem your vouchers. ​Where can I find more details about this and other similar offers?​You may connect and reach out to us through any of the channels below: AXA Branches ► View our list of branchesAXA Live Chat at https://www.axa.com.ph/contact-us AXA Customer Service Email at customer.service@axa.com.ph 

What is this offer all about?​Emma is giving away ₱2,000 worth of Giftaway e-vouchers to five (5) lucky customers who will download and register to Emma by AXA web or mobile app from Sept. 16 to Oct. 15, 2024​.How long is the offer period?​​This offer will run from Sept. 16 to Oct. 15, 2024, for all active AXA policyholders who will download and register to Emma by AXA PH.Who are eligible to join?​​​Customers who have an existing or newly activated life or general insurance policy without an Emma by AXA PH account yet, during the offer period. How can I qualify? ​​Simply download and register to Emma by AXA PH from Sept. 16 to Oct. 15, 2024, using the active email address on your AXA policy application and your mobile number. If you need to update your email address and qualify as an existing policyholder, please reach out through the following channels so we can assist you in updating your AXA policy contact records:AXA Branches ► View our list of branchesAXA Live Chat at https://www.axa.com.ph/contact-us AXA Customer Service Email at customer.service@axa.com.phI am an existing customer, and I have downloaded Emma by AXA PH. Am I still qualified? ​The offer is exclusively available for customers who have newly downloaded and registered to Emma by AXA PH during the raffle period. Keep using Emma by AXA PH for your policy-related transactions and stay tuned for upcoming announcements!​ How do I know if I won? ​ We will send you an SMS or email notification via Giftaway, confirming that you've won. This also includes your e-vouchers. Please ensure that your mobile number and email address in Emma by AXA PH are updated and active since we will send the vouchers to your registered contact information.Raffle draw winners will be announced on or before Oct. 31, 2024​.How do I redeem my vouchers?​Should you be one of the lucky winners, you will receive a confirmation SMS or email from us via Giftaway with details on how to redeem your vouchers. ​Where can I find more details about this and other similar offers?​You may connect and reach out to us through any of the channels below: AXA Branches ► View our list of branchesAXA Live Chat at https://www.axa.com.ph/contact-us AXA Customer Service Email at customer.service@axa.com.ph 

How do I qualify for the AXA Profile Refresh: Contact Info Update campaign? You must have an active AXA General Insurance policy (motor, property, PA, CARI, bonds, engineering, marine). How do I join the raffle? Prepare your GI Policy number and call the Contact Center Hotline:(+632) 8 581-5292(+63) 917 170-9292 (Globe)(+63) 919 056-5292 (Smart)customer.service@axa.com.phOperating Hours: 8:00 AM - 6:00 PM, Monday – Friday (except holidays).You can also visit an AXA Branch near you or call your financial advisor for updating. Update your information (full name, policy number, contact number, email address, mailing address, birthdate, gender, and marital status) to our AXA Representative• There will be a short interview to validate your updated information. Afterwards, you will be declared qualified for the raffle.  • You are entitled to one raffle entry only even if you have more than one AXA General Insurance policy and/or update multiple times through multiple channels. How will I know if I won the raffle? • You will be notified via email and SMS with AXA PH as the official sender• Congratulatory message and e-gift code will not be coming from any unknown mobile number. Please be wary of this to avoid potential scams. The prizes are up for grabs and the winners of the raffle draw will be determine as follows:1 winner of 10,000 worth of GCash credits3 winners of 5,000 worth of GCash credits6 winners of 2,500 worth of GCash credits*AXA Philippines reserves the right to amend the terms and conditions without prior notice. All matters and disputes will be subject to the final decision of AXA Philippines’ management.  

A. For Customers and Financial PartnersWhy did you change your corporate name?As directed by the Insurance Commission, the government’s main regulatory entity for insurance companies, we are adopting this new corporate name to reflect the company’s engagement in both life and non-life insurance businesses. Did you officially notify us, your customers about this change?Yes, all customers will receive and be notified via registered mail. We ask to allow some time for these to be delivered via courier. Do I need to update my documents?No, you do not need to update any documents.  Will my agent/financial advisor be changed?No, there will be no changes in your servicing financial advisor. Your financial advisor will remain the same. What will happen to payments made to your previous corporate name?Payments made prior to this change are valid and accepted. What will happen to future payments made with the previous corporate name once the change in name has taken effect?Future payments made with the previous corporate name will be honored and adjusted accordingly to recognize the new corporate name. How will this affect my insurance policy?Your policy will continue to be valid, active and in force for as long as your premium payments are up to date. Do you have a new owner?No, we do not have a new owner. Did you also change your contact details business/office address?No, our company address and contact information remain the same.B. For Company CreditorsIs there a change in the organizational structure?There is no change in the organizational structure.  What is its impact on our business relationship?There is no impact, we will continue to honor our contractual obligations to you and all our creditors.C. For Company VendorsWhat is its impact on our business relationship?There is no impact, we will continue to honor our contractual obligations to you and all our vendors. Will it affect how we issue invoices?We will reach out to you if there will be any change to invoicing.

Q: What will happen to my existing CEB Piso Protect policy?A: Existing coverage from CEB Piso Protect policies will remain in effect and will be serviced until your policy’s expiry date.Q: What if I want to continue my coverage? We apologize but your policy coverage cannot be renewed as the product will no longer be available. You can check out other AXA products on our website, www.axa.com.ph, or call our Customer Care hotline at (02) 8 5815-292, or send an email to customer.service@axa.com.ph.Q: What will I do in case of a claim?A: For claims filing and assistance, please send an email to mpos.claims@axa.com.ph or visit our countryside branches within 30 days upon occurrence of a covered accident.Q: When will all CEB Piso Protect policies be fully closed or expired?A: The product will be closed to new businesses, effective, January 1, 2024. Furthermore, the AXA-CEB Piso Protect webpage will no longer be accessible.Q: How do I know when my policy will expire?A: For more details on your policy’s expiry date, please don’t hesitate to get in touch with your AXA Financial Partner. We are also available for immediate assistance via Live Chat at https://www.axa.com.ph/contact-us.Q: Where can I find and know more about other AXA insurance products available to me?A: Please visit the AXA Philippines website at www.axa.com.ph or talk to our financial partners today.

What is this offer all about?​Emma is giving away P5,000 worth of GCash vouchers to ​5 lucky customers who will download and register to Emma by AXA web or mobile app from Nov. 15– Dec. 15, 2023. ​How long is the raffle duration?​This offer will run from Nov. 15- Dec. 15, 2023 for all active AXA policyholders who will download and register to the Emma by AXA PH app.​Who are qualified to join?​Customers who have an existing or newly active life or general insurance policy without an Emma by AXA PH account yet.​​How can I qualify? ​Simply download and register to Emma by AXA PH from Nov. 15-Dec. 15, 2023.​ I am an existing customer and I have downloaded Emma by AXA PH. ​Am I still qualified? ​The raffle is currently only open to customers who have yet to download and register to Emma by AXA PH. Keep using Emma by AXA PH for your policy-related transactions and stay tuned for more announcements coming your way!​How do I know if I won? ​You will receive an SMS or email notification from us on December 21, 2023 containing details about your GCash vouchers and confirming that you won the promo. Please ensure that you register your updated mobile number or email address in Emma by AXA PH. We will be sending the vouchers to the mobile number your registered.​​How do I redeem my vouchers?​Should you be one of the lucky winners, you will receive a confirmation SMS or email from us with details on how to redeem your GCash vouchers. ​​Where can I find more details about this and other similar offers?​You can visit any of our One AXA branches nationwide with dedicated Emma by AXA corners to assist you. We have branches in Makati, Baguio, Binondo, Cebu, and Davao. ​

At AXA, we understand that attracting and retaining top-tier talent is the lifeblood of your success. As a leading global insurer and a financial one-stop shop, AXA offers insurance solutions to businesses for the protection needs of your employees. ​With AXA’s Group Life Plans, you can provide financial security to your employees in times of need.​Fuel the growth of your business by attracting, retaining, and empowering top-tier talents. Show your commitment to their well-being, make them feel secure and cared for through AXA’s Group Life Plans.​For inquires, you may email corporate.solutions@axa.com.ph​

The road can be a battlefield. You will never know what you might encounter on the way – bad weather and flash floods, carmageddon, road rage, rough tracks, suddenly closed paths and reroutes, uninformed or unruly pedestrians and fellow drivers, you name it. All these inevitably lead to major troubles and unfortunate events. The Department of Transportation (DOTr) has even expressed concern over the increase in the number of deaths caused by road accidents. According to the Philippine Statistics Authority (PSA), road accidents are the thirteenth cause of death of Filipinos in 2022.Pretty alarming, isn’t it?While many other factors contribute to these incidents, including infrastructure and transport systems, better driving experience starts with the person behind the wheel. It’s time to take defensive driving more seriously.What is Defensive Driving?Defensive driving is not about racing to your destination or outsmarting fellow motorists. Instead, it's a proactive approach that focuses on minimizing risks and anticipating potential hazards. Here are reasons why it's essential:Minimizing AccidentsThe Philippines recorded over 11,000 fatalities due to road accidents in 2022 alone, making road safety a top priority. Defensive driving significantly reduces your chances of being involved in an accident. By staying alert and prepared, you can react swiftly to unexpected situations.Handling Traffic CongestionTraffic jams are a part of daily life in many Philippine cities. Defensive driving techniques help you navigate these congested streets efficiently, reducing stress and frustration. Patience, lane discipline, and avoiding aggressive maneuvers are key elements.Adapting to Road ConditionsFrom torrential rains to sweltering heat, Philippine roads are subject to various weather conditions. Defensive drivers adapt their driving style to match these conditions. Slower speeds, increased following distance, and cautious braking prevent accidents when roads become slippery.Dealing with Unpredictable BehaviorMotorcycles weaving through traffic, pedestrians crossing without warning, and buses makingsudden stops – the road is filled with unpredictable elements. Defensive drivers anticipate such behavior and are prepared to react safely.Avoiding Road RageRoad rage is a growing concern on Philippine roads. Defensive drivers maintain their composure, avoid confrontations, and keep a cool head in stressful situations. This not only ensures your safety but also contributes to a more harmonious road environment.Key Defensive Driving TipsStay focused. Avoid distractions like mobile phones, and keep your attention on the road.Maintain a safe following distance. This gives you ample time to react if the vehicle in front of you stops suddenly.Use turn signals. Indicate your intentions clearly to other drivers.Observe speed limits. Stick to posted speed limits to avoid accidents and fines.Yield the right of way. Be courteous and follow traffic rules.Plan your route. Familiarize yourself with the roads and potential traffic hotspots before your journey.Defensive driving is not merely a skill; it's a responsible approach to road safety. As road conditions and traffic continue to evolve in the Philippines, it's vital that every driver embraces the principles of defensive driving. By doing so, we can reduce accidents, save lives, and make our roads safer for everyone. Remember, defensive driving is not just about getting from point A to point B; it's about arriving safely and ensuring others do too.Make sure you also further down any risks by getting comprehensive car insurance to protect you from possible financial losses when the unexpected happens. To know more, visit https://www.axa.com.ph/products/car-insurance/.Happy safe driving!