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AXA AFFIN Launched AXA eCombo (3-1 Customisable Online Protection)

BY Team Loanstreet

Updated 22 Dec 2020

AXA AFFIN Life Insurance Berhad is introducing AXA eCombo – the first customisable online insurance that combines Medical Insurance (AXA eMedic), Critical Illness (AXA eCritical Early Care) and Life Insurance (AXA eLife Protector+) in one complete package. The 3-in-1 package aims to offer a solution to customers’ current unmet need of a single comprehensive insurance package with one monthly payment which is also affordable.

Emmanuel Nivet, Country Manager of AXA Affin Malaysia said that with Covid-19 crisis, people’s priorities have shifted. The emphasis now is on comprehensive coverage without the hassle of managing a few insurance policies, often with different companies and many monthly premium payments to make.

“Customers want convenience, complete protection and affordability in their insurance products especially given the higher risks we face in current times. AXA eCombo is our commitment to support Malaysians and meet their evolving needs with products that are affordable and easy to manage especially now when they need the most support,” he added. 


What's covered in this article?

With AXA eCombo, customers will get one complete package which addresses all their medical insurance needs. 

  • AXA eMedic policyholders will have access to over 150-panel hospitals all over Malaysia with cashless admission** for hospitalisation of illnesses and accidents. AXA eMedic will over the hospital bills with an annual limit up to RM100,000 with no lifetime limit.
  • AXA eCritical Early Care provides policyholders with a Sum Insured of up to RM250,000 which covers 50 critical illnesses whereby medical conditions from an Early Stage will receive a pay-out of 50% of the Sum Insured and 100% pay-out for Advanced Stage.
  • AXA eLife Protector+ provides policyholders with a Sum Insured up to RM250,000 for Natural Death, Accidental Death or Total Permanent Disability (TPD). A 100% pay-out for Death and Total Permanent Disability (TPD) whereas 200% pay-out for Accidental Death. 

Who's eligible & where to sign up?

Malaysians aged from 15 days old to 49 years old are eligible with insurance coverage that extends to the age of 80 years. Customers can customise the coverage and benefits and get a quote immediately based on factors such as their needs and budget.

“We understand that customers today require more than a one-size-fit-all solution. Needs and budgets will vary from customer to customer and this is the beauty of insuretech. At AXA AFFIN, our product innovation is based on 4 pillars i.e. instant, effortless, customised, affordable….and it is what AXA eCombo is all about!”, said Emmanuel. 

In just a few easy steps that take about 10 minutes to complete, approval is instant and coverage immediate. 

Premiums start as low as RM71/month to allow those who are just starting out or have a young family to still have a comprehensive coverage instead of compromising on what type of protection plan they can afford. Customers will also have the option to increase or reduce coverage for each plan within the AXA eCombo package according to the preferred coverage amount. The combo package is flexible whereby customers can select one, two or all three insurance plans. 

AXA eCombo is available exclusively online at

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About the Author

Team Loanstreet

Run by a professional human-sized team, get resourceful tips & guides from our very own library of financial articles that can help improve your financial lifestyle & make a well-informed money decision. We strive to provide you with the best service in helping you to get the most out of that DUIT!


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