AXA has launched an improved critical illness product under its AXA Protection Account. And it has added the Care Consultants service that offers three support services in one on all products within AXA Protection Account.
The company has improved cover for strokes by removing the exclusion for traumatic injury to brain tissue or blood vessels. This is in addition to existing cover for total mastectomy and low-grade prostate cancer. It also has extra cover for heart attack; so all three of the most claimed-for conditions have extra cover. Open-heart surgery has been added as a new condition.
The new Care Consultants service goes beyond the financial benefits of protection cover and offers all customers access to the additional practical and emotional support that is often needed when facing tough decisions as a result of illness or death. The service is available to the policyholder, their spouse or civil partner and their children up to the age of 21.
Second Medical Opinion allows customers suffering from a serious medical condition to obtain a second medical opinion from a specialist in the USA. The specialists are selected based on their expertise and reputation to provide an independent report on the customer's condition based on the customer's medical records.
Claim Support provides customers with a dedicated counsellor, at the point of claim, who can discuss the customer's personal situation with them as well as the impact on their life and their family. The counsellor assesses what other services may be appropriate, including further counselling, physiotherapy and practical help with legal or family issues.
Medical Helpline provides access to nurses, counsellors, midwives and pharmacists so customers have someone to call if they are concerned, or need reassurance about anything health or wellbeing related.
Iain Mallon at AXA says, “By focusing on the three main claimed for conditions, cancer, heart attack and stroke, we are improving our product where it matters the most rather than simply creating a long list of conditions to cover. We are increasingly witnessing customers recognise how much they need and value the additional support providers are able to offer. As a result we have launched the Care Consultants service, offering three essential support services in one, which covers every practical and emotional need a customer could experience for the duration of their policy."