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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.  

Please refer to your Health Max policy for the definition and qualification of each of the listed illness.

What is this promo about?Be among the 20 lucky AXA customers to win holiday treats! Simply register and enroll your credit card via Emma by AXA web and get a chance to be one of the weekly winners of grocery vouchers worth P10,000 or Power Mac Center vouchers worth P10,000.How long is the promo duration?Promo period runs from October 26 – December 13, 2022.Who are qualified to avail of this promo?All existing AXA customers with active life policies who have yet to enroll their credit or debit card in Emma by AXA web. How can I qualify for this promo?Simply register to Emma and enroll your credit or debit card via Emma by AXA web and you can be one of the lucky weekly winners of treats from AXA.​How do I enroll my credit card on Emma?Open the Emma web portal and register your policy. Ensure you use the same email address you used during your insurance application. Login to your account and go to “My Profile”.Click the “View” button in the “Enrolled Cards” section.Click “Add Payment Method” and choose “Credit Card”.Select the policy you want to enroll under the Credit Card payment method.Complete your enrollment by authorizing the transaction fee to be charged to your credit card. What if I am an existing customer and I have registered my credit or debit card already? Can I qualify for the promo?​Only those who have yet to enroll their credit or debit card are qualified to join. Please stay tuned for other exciting promos. Keep checking your Emma by AXA mobile app for announcements.​How will I know if I won the raffle?You will receive an e-voucher via your registered mobile number. Be sure to update your mobile number and email address on Emma by AXA. ​How can I redeem my vouchers?Follow the instructions to be sent via SMS and/or email.​What if I downloaded, paid, and enrolled my credit and debit card to Emma by AXA? Can I win 2 prizes?​You can only win once. If you won in our other promo (Register+Pay), you can no longer qualify for this promo.What if I downloaded, paid, and enrolled my credit and debit card to Emma by AXA all at the same time?​You can only win once but you will qualify for a bigger prize. ​

Going on that much awaited trip abroad? Whether travelling for leisure be it flying solo, with your family, your girlfriends, or even if you’re going on official trips for your business, you want it to be a pleasant experience. Unfortunately, no matter how much you hope for everything to go smoothly, travel inconveniences can pretty much pop out of nowhere. What’s more, if you happen to be a businesswoman too, taking a much-deserved break should be time well spent. But if your trip hits a snag, this could also impact your business financially.With foresight and planning, you can mitigate the impact of travel inconveniences if they do happen. Check out the following tips so you can be a step ahead in case of trip hassles you may encounter:1. Stay informed. Keep aware with real-time information regarding your travel plans. Follow airline or transportation updates through official apps, websites, or announcements to anticipate changes.2. Get travel insurance. Invest in comprehensive travel insurance that covers flight cancellations, delays, lost baggage, and medical emergencies. This provides financial protection and helps you have peace of mind.3. Know your rights. Familiarize yourself with passenger rights and airline policies regarding delays, cancellations, and compensation.4. Pack the essentials in your carry-on. Make sure you have enough extra clothes, toiletries, medications, and valuables in your carry-on bag. This ensures you have immediate access to the necessities.5. Charge your gadgets. Keep your electronic devices fully charged to stay connected and entertained in case of unexpected delays.6. Be Flexible. Flexibility is key and it would be ideal if you’re open to consider alternate routes, airports, or travel dates to work around possible disruptions.7. Communicate frequently. Keep your loved ones and travel companions informed about your situation. Regular communication ensures everyone is aware of changes and can adjust accordingly.8. Document everything. Keep a record of flight details, communication with airlines, receipts, and any inconveniences you experience. This documentation may be required in case you will file compensation claims.Packing preparedness for your tripBe your own boss when you travel and choose to be ready for inconveniences every time you take a trip. AXA Smart Traveller offers comprehensive protection and peace of mind as it provides round-the-clock travel and medical assistance for a single trip, at an affordable price.For example, basic coverage for a five-day trip to Japan is only about PHP 800 per person and you already get protection in case of lost or damaged luggage, a canceled flight due to emergency, and medical expenses in case you suffer an injury or illness during your domestic or international trip.Know you can game plan your travels and at the same time protect your business venture. Contact an AXA financial advisor today to know more.

According to the MMDA’s latest Metro Manila Accident Reporting and Analysis System (MMARAS) annual report, there were 197 road crashes in Metro Manila in 2022. 52% of these cases involved private cars, which emphasizes the need for better observation of road safety when travelling, not only for passengers inside the vehicle, but also for other road users. To help promote safer driving practices, AXA has partnered with Toyota Motor Philippines to introduce Connected Toyota Insure (CTI), the first pay-how-you-drive car insurance product in the country which incentivizes safe driving.Customers can get a driving score via myToyota Connect, a new feature of myToyota App that links customers to their telematics-enabled Toyota vehicles using their smartphones. Key metrics for a trip score calculation includes acceleration, braking, and cornering. Data captured from every trip is mapped to a score on a scale of 0-100. Aggressive driving behavior like rapid/sudden acceleration, harsh braking, or harsh left/right turns are driving behavior data considered in the evaluation.With Connected Toyota Insure, a cutting-edge insurance product, safer driving traits reward the user with up to 25% savings on their renewal premium.By offering CTI, AXA intends to contribute to a safer and more secure environment with pay-how-you-drive insurance that utilizes connected cars and automobile big data on driver behavior.

CUSTOMER FAQs (September 25 to November 25, 2022)What is the amnesty program about?a.The AXA amnesty program is the extension of the premium due grace period of selected in-force customers who are most affected by the devastation brought about by Typhoon Karding. In support of these customers, we are giving them 90 days from due date to pay their premiums vs. the normal 31-day grace period. This is in the hopes of helping out our customers who will have a hard time paying for their premiums because of the calamityWho are covered by this program?a.In-force customers residing in areas declared under state of calamity due to Typhoon Karding are covered by the amnesty program:i. Policies with an address in the following areas:Quezon Province - Polillo, Patnanungan, Panukulan, Jomalig, Burdeus, and General Nakar Aurora Province - DingalanNueva Ecija Province - Entire Nueva EcijaBulacan - San MiguelPampanga - MacabebeTarlac - Concepcionii. and with premium due dates from September  25, 2022 to November 25, 2022How does the grace period extension apply?By policy contract, the policyholder has 31 days from the policy premium due date to pay the premium for the policy before it lapsed or switches to deduct the premium due from the policy’s account value. The extended grace period means that the Assured now has up to 90 days* from the premium due date to make a payment before the above action/s happen. *Please be advised that Global Health Access policyholders will have a grace period of up to 60 days from current due date to settle their premiums.Does this mean that I will be billed after 90 days from my due date?No, our normal billing cycle will still be followed which means that you will be billed on the day of your due date. No changes in your due date, only the grace period will be extended. I am enrolled to auto-pay, are you going to deduct the payment 90 days from due date?a.Please be advised that affected policies enrolled on automatic payment schedule via bank account or credit card will still follow the normal billing cycle. Therefore, any premium due will still be automatically be debited from the Assured’s enrolled account (billing or debiting happens every 5th or 20th of the month depending on the Assured’s assigned cycle). However, unsuccessful debits will not incur any charge. The customer’s policy will not lapse nor will the premium be deducted from the account value unless the extended grace period ends. 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.What will happen if I haven’t paid after the normal grace period?a.While nothing will change in the billing, due dates, and premium reminders, policies that are covered by the program will be given considerations on policy lapse, automatic premium loan, and account value to premium as follows:i.If the policy is lapsed and within the extended grace period, we will auto-reinstate the policy and waive the interest (if any)ii.If automatic premium loan is applied, we will apply the payment to loan and waive the interestiii.If account value to premium is applied, the charges will be reversed before applying payment as premium.What will happen if I still don’t pay after the extended grace period?a.Standard policy terms will apply on lapsed, automatic premium loan, account value to premium cases with no considerations.Why am I still receiving payment reminders?a.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. What fund price will be applied when I make a payment?a.Fund price that will be applied will be based on the date of payment, not on the billing date. If payment was made on November 2022 for September 2022 due date, fund prices for November 2022 will be applied. Can I file for a claim on my Global Health Access and/or Health Care Access policy during the extended grace perioda.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. What will happen to premiums due starting November 26, 2022?Premiums due starting November 26, 2022 will revert to the normal 31-day grace period.

There’s no such thing as a risk-free life. No matter who you are, you’re subject to risks on a daily basis and if you’re running a business, it’s no different. You might be among the many female entrepreneurs out there who got through a challenging business environment to establish your own. When you’ve put in the work to build your business from the ground up, you wouldn’t want it to fail for any reason. However, the impact of risks can be minimized to some extent by cultivating awareness of our environment and being mindful of our actions. As we face countless risks, best to bear in mind these preparatory initiatives to help you handle the financial strain that comes with an accident so your business can stay afloat.1. Come up with an emergency response plan. Outline the steps to be taken immediately after an accident. This includes ensuring the safety of employees, securing the premises, and contacting relevant authorities. For instance, among the most common are road accidents. You can arm yourself from the financial distress of car repairs and medical expenses that may arise from these road accidents with car insurance that goes beyond the basics. AXA Philippines’ comprehensive car insurance, for example, provides customizable medical coverage for bodily injuries and coverage for vehicle and property damages (with an option to add coverage for damages caused by acts of nature). It also comes with 24/7 roadside assistance for emergency cases.2. Back up your systems and data regularly. Ensure that you have backup files of your business-critical data and systems and that these are updated on a frequent basis.3. Establish remote work capabilities. Set up work arrangements and provide employees with the necessary tools to continue their tasks from off-site locations. This allows your business to operate even if the physical workplace is inaccessible.4. Get insurance coverage. Invest in appropriate insurance coverage, such as property insurance and business interruption insurance. This can help cover financial losses incurred due to accidents that disrupt regular operations.5. Identify communication channels. Maintain updated contact lists for employees, clients, suppliers, and stakeholders.6. Be consistent with customer communication. Keep customers informed about the situation, the steps you're taking to address it, and any potential disruptions on services or products.7. Build financial resilience. Sustain your financial capability with a fund that can be accessed in times of crisis. This can help cover unexpected expenses and sustain your business during recovery.Anything can happen whether you’re at home, on the road, abroad or even at your own workplace. It pays to always have the presence of mind and foresight to prepare for possible threats to keep your business afloat. Being ready for the physical and financial consequences brought by accidents can help maintain and preserve the funds you’ve set aside for your business. By having insurance, you don’t have to take from these funds and your business can run smoothly and uninterrupted.Consider AXA as your partner for your protection needs. Among AXA’s offers is its Smart Traveller travel insurance that financially protects you from a wide range of accidents and trip inconveniences such as losing a piece of luggage, flight delay or flight cancellation. It boasts comprehensive emergency medical benefits and round-the-clock travel assistance in case you need immediate support following an incident. AXA also offers an insurance product that’s specifically designed to cover personal accidents. Personal Accident (PA) Insurance covers death or specific types of injury as a result of an accident. It can be availed as Individual PA, Family PA, Auto Passenger PA, Student PA, and Travel PA.Some accidents could’ve been prevented, while some are bound to happen despite our best efforts to avert them. In any case, it’s good to be able to breathe easy knowing your business is taken care of even from the unpredictable. Know you can game plan for yourself and your family from the financial impact of accidents. Contact an AXA financial advisor today to know more.

1. What is this extended grace period all about?As our calamity assistance to our customers most affected by the devastating aftermath of Typhoons Egay and Falcon, we are extending their premium due grace period. These selected Life policyholders are given up to 90 days from the due date to pay their premiums vs. the normal 31-day grace period. 2. Who are covered by this program?Policies that satisfy BOTH criteria below are eligible to the 90-day grace period*:a. Life Policies with due dates from July 25, 2023-September 25, 2023. Due dates outside this will retain the normal grace period.b. With recorded addresses included in the locations declared under state-of-calamity as of August 9, 2023:i. Ilocos Norteii. Luna, La Unioniii. Bangar, La Unioniv. Mangatarem, Pangasinanv. Santa Barbara, Pangasinanvi. Binmaley, Pangasinanvii. Lingayen, Pangasinanviii. Zaragoza, Nueva Ecijaix. Ilocos Surx. Dagupanxi. Cagayanxii. Bulacanxiii. Pampangaxiv. Camiling, Tarlacxv. Moncada, Tarlacxvi. Paniqui, Tarlacxvii. Bataanxviii. Cavitexix. Sablayan, Occidental Mindoroxx. Santa Cruz, Occidental Mindoroxxi. Abraxxii. Apayaoxxiii. Mountain Provincexxiv.  Benguetxxv. Tinoc, Ifugao*Global Health Access policyholders will have a grace period of up to 60 days from the current due date to settle their premiums. Health Care Access policyholders are excluded from grace period extension.3. Are customers outside of locations declared under-state-of-calamity eligible for the grace period extension?No. Grace period extension is only granted to select policyholders located in areas declared under-state-of-calamity. 4. What do I need to present in order to avail of the 90-day grace period extension?There is nothing to present as our system will determine if your policy address is within the specified areas declared under-state-of-calamity. 5. How does the grace period extension apply?By policy contract, the policyholder has 31 days from the policy premium due date to pay 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 happens. 6. Does this mean that I will be billed and charged after 90 days from my due date?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.  7. 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. The customer’s policy will not lapse nor will the premium be deducted from the account value unless the extended grace period ends.  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. 8. 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.9. 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.10. 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. 11. What fund price will be applied when I make a payment?The fund price that will be applied will be based on the date of payment, not on the billing date. If payment was made in August 2023 for a July 2023 due date, fund prices for August 2023 will be applied. 12. 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. 13. What will happen to premiums due starting September 26, 2023?Premiums due starting September 26, 2023 will revert to the normal 31-day grace period.

OFFICIAL RULES1.       PROMOTION PERIOD: April 22, 2022 from 12:01am to 11:59pm2.       ELIGIBILITY: This promotion is open to all AXA Philippines Life and General Insurance policyholders. Employees of AXA Philippines, Charter Ping An Insurance Corporation and their respective parent companies, subsidiaries, affiliates, dealerships, governors, related entities, partners, partnerships, principals, licensees, sponsors, and advertising/promotion agencies and all of their respective officers, directors, employees, agents, representatives, successors and assigns and their immediate families (parents, spouses, children and siblings and their respective spouses, regardless of where they reside), and household members, whether or not related, are not eligible to enter or win. This promo shall be void where prohibited by law. Subject to all applicable federal, state, and local laws. The information you provide as detailed below shall only be used for promotion purposes.3.       HOW TO PARTICIPATE: To join, download and register to the Emma by AXA PH app and web from 12:01am to 11:59pm of April 22, 2022. Promo is open to all in-force or active life and general insurance policyholders. Each registration shall be rewarded with one (1) GrabFood voucher worth PHP 200 only.  Duplicate or multiple registration shall only be rewarded once.  4.       Multiple registrations, regardless of the channel, through Emma by AXA PH web or app, shall only be counted as one (1). Multiple executions of each activity shall not result to additional GrabFood vouchers. 5.       The GrabFood voucher worth PHP 200 shall be given by AXA Philippines within 24 to 48 hours upon successful registration to Emma by AXA PH app or web on April 22, 2022. 6.       Rewarding will be done electronically via BizTreats. See extraction and seeding schedule below. GrabFood vouchers will be sent to the valid registered mobile or email address of the customer. 7.       All rewards are transferrable but not exchangeable nor convertible to cash, cash advance, or any kind. 8.       Selling of the rewards through different channels such as but not limited to digital marketplaces, online and social media channels and groups, offline channels is prohibited. If found guilty or in violation, AXA Philippines reserves the right to forfeit the reward.9.       Publicity.  Right of Publicity Release:  By participating, participants in this promotion agree to be bound by these rules, terms and conditions and mechanics of the promotion, and agree that AXA Philippines may use the participant’s name, voice, city/state of residence, photos, video or film clips, and/or other visual likeness for advertising and/or trade purposes and/or for any other purpose in any media or format now or hereafter known without further compensation (financial or otherwise), permission or notification.10.   AXA Philippines may change the dates and/or terms of the contest without prior notice.11.   Governing Law. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of any participant and/or entrant, will be governed by, and construed in accordance with, the laws of the Philippines.12.   Sponsor. AXA Philippines, 34F GT Tower International, 6813 Ayala Ave cor. HV Dela Costa St. Makati City 1226. 13.   List of Winners. Please request names of winners by emailing us at customer.service@axa.com.ph no later than May 31, 2022.14.   Any dispute will be subject to the final decision of AXA Philippines.15.   Limitation of Liability: AXA Philippines and its subsidiaries, affiliates, officers, directors, employees, governors, owners, distributors, retailers, agents, assignees, advertising/promotion agencies, representatives, and agents shall have no liability and will be released and held harmless from any claim, action, liability, loss, injury or damage, including, without limitation, personal injury or death to winner or any third party or damage to personal or real property due in whole or in part, directly or indirectly, by any reason, including the acceptance, possession, use or misuse of the prize and/or participation in this promotion.

Folic acid is among the recommended vitamins for pregnant women in the PhilippinesA pregnant woman is responsible for two lives—hers and her unborn child’s. Anything that she consumes directly affects the baby’s growth and development inside the womb. This is why expecting moms are usually prescribed prenatal vitamins and supplements alongside a healthy, varied diet. Among the essential vitamins for pregnant women in the Philippines is folic acid. Folic acid is important for both a woman’s wellbeing, and the health of her unborn child.Folic acid is the synthetic form of folate, a B vitamin that is crucial in the production of healthy blood cells. This is vital during periods of rapid growth and development, which is what the fetus is going through inside the womb. It also helps form the infant’s neural tube, which will grow into the baby’s brain and spinal column. However, research suggests that there is a high number of Filipino women who need more folate in their diets to carry out healthy pregnancies. A 2020 study found that two in ten women in the study had insufficient folate needed to prevent neural tube defects.A lack of folic acid has been connected to birth defects in the brain (anencephaly) and spine (spina bifida). Folic acid isn’t just for expecting womenHowever, folic acid isn’t just for pregnant women or those who want to have children – it also plays a key role in breaking down homocysteine, an amino acid that is harmful to the body in high amounts. Some studies also suggest that there is a strong connection between high homocysteine levels and Alzheimer’s disease and dementia. Folic acid supplementation can also reduce the risk of heart disease and stroke. If paired with iron, folic acid can help in the prevention of anemia. Women of reproductive age are recommended to take at least 400 micrograms (mcg) of folic acid every day, and to eat foods that naturally contain folate. Good sources of this are: ●     Eggs●     Seafood●     Whole grains●     Fresh fruits & fresh fruit juices●     Beans & peanuts●     Dark green leafy vegetables (broccoli, Brussels sprouts, asparagus, romaine lettuce, spinach) It’s a good idea to check the package labels of foods like rice, bread, pasta, cereal, and other grain products if they are enriched with folate. Making sure you have the right nutrition is essential to having a healthy pregnancy. Partners of expecting moms can help by making sure that they get the healthy food they need, as well as regularly take their folic acid supplements.Always remember to check with your doctor before trying new supplements, especially when pregnant.1. NHS. “Vitamins, supplements and nutrition in pregnancy.” Published (n.d.) on https://www.nhs.uk/pregnancy/keeping-well/vitamins-supplements-and-nutrition/. Accessed 26 February 2022.2. Bernardo, A., et. al., “Prevalence and factors associated with folate deficiency among Filipino women of child-bearing age”. Mal J Nutr 26(2): 229-243, 2020. Published at https://nutriweb.org.my/mjn/publication/26-2/Vol%2026(2)%208.%20mjn.2019.0075%20Bernardo%20(online%20first).pdf. Accessed March 7, 2022

Breast cancer is the most common cancer in the Philippines with 3 out of 100 women expected to be diagnosed in their lifetime. Conversations about preventing, treating, and living with cancer are not easy but these are important stages of the cancer journey for both the patient, their families, and friends.With October being breast cancer awareness month, we share some information about how to respond to and support a loved one if they are diagnosed with cancer. It is important to remember that there is no manual on how to react to the news.The initial shockCancer diagnosis usually comes as a shock. Sometimes the mind jumps to questions like: Am I going to die? Is the diagnosis correct? What do I do? Will I lose my breast? Will I lose my hair? How will my life change? What would usually follow are emotional processing, gathering of professional opinions and information on next steps and available treatments, confirming if the diagnosis is correct, understanding the disease, and the risks and effects of treatments.  What friends and family should keep in mind· Breast cancer is not a death sentence. Although we associate cancer with death, chances are high that people have been and are living with the cancer since their diagnosis. A breast cancer diagnosis and undergoing treatment is only one part of living. · Cancer is a diagnosis for an entire family and support group. It affects everyone around the person diagnosed. It can change relationships between friends and family for both the worse and the better.· Life can change at any point. We have that misconception and misinformation as a society that it will not happen to me or to someone close to me. Don’t shy away from having difficult conversations when yourself or someone you know is diagnosed. How we react could fall everywhere on a wide spectrum. There are those who are not ready to deal with the news and might just disappear. Then, there are also those who would commit unconditionally and are there for patients every step of the way. Most people fall somewhere in the middle — wanting to be there because they sincerely care, but not knowing how. They alternate between not seeming to care and not wanting to overstep. The do’s and don’tsIf someone you know has been diagnosed with breast cancer and shared the news with you, don’t be afraid to show your support and ask what they need.Sharing love, listening, and simply showing up can be a big part of their healing and support as they undergo the experience of diagnosis, treatment, and post-treatment. How we react matters so we must also be conscious of this.Remaining positiveLove and friendship. While going through challenging periods in life, we get to see those who are really there for us and realise the strength of their love.Gratitude. When confronted with illness, it helps us to stop taking things for granted. There is much to learn about being grateful.Acceptance. It is also easy to reject negative emotions and this is the opposite of acceptance. Acknowledge the negative without criticizing, judging, or trying to will yourself into being different because that is what you think you should do. Trying to take “should” out of the vocabulary helps.New people and perspectives. In dealing with cancer, most would undergo many new experiences and encounter new people and perspectives. For instance, there is a lot to learn from other treatment and healing methods practiced in other cultures.Empathy and forgiveness. Many of us experience difficult times, whether it is a disease, a loss, pain, or insecurity. We have no way of knowing what someone else is experiencing but what we can certainly do is to be more empathetic and forgiving as well as be willing to listen.The increasing number of breast cancer survivors and vast improvements in science and research give hope that one day we will have a cure. In the meantime, we get to learn and appreciate life in all its complexity and beauty. As we acknowledge those living with cancer, we can better understand the disease and support each other through and after. Cancer and other critical illnesses can be diagnosed when we least expect them and may persist. In such cases, AXA’s wide range of health solutions covering critical illnesses can help you be more prepared. Check these out by visiting AXA’s Health Hub: AXA Philippines | AXA Health Page[NS1] Preferred Global Health (PGH) is a valued partner of AXA’s Preferred Consultation and Care (PCC) service. The partnership between AXA Philippines and PGH gives eligible AXA policyholders access to PCC where they can get expert advice for diagnosis verification and treatment plans from highly experienced Harvard-affiliated doctors. It provides patients the opportunity to make informed decisions in case of diagnosis of cancer and heart disease.PGH is a leading global patient organization based in Boston, Massachusetts, USA with more than 20 years of experience in patient advocacy and supporting patients and their families on the path to recovery.

MechanicsPromo period: May 1-31, 2021Download and register on Emma by AXA PH for a chance to win awesome gifts for moms every week. AXA is giving away P100,000 worth of special gifts for moms this whole month of May. Week 1   20 winners of P500 Grab Food codesWeek 2   20 winners of Goldilocks cakes Week 3   20 winners of P1000 SM Store vouchersWeek 4  20 winners of P3000 Shopee vouchersPromo is open to all AXA customers who will download and register to the Emma by AXA PH app during the promo period.FAQSWhat is the Mother’s Day promo?AXA is giving away weekly treats for moms this whole month of May.Week 1   20 winners of P500 Grab Food codesWeek 2   20 winners of Goldilocks cakes Week 3   20 winners of P1000 SM Store vouchersWeek 4  20 winners of P3000 Shopee vouchersWho are qualified to join?All existing AXA life or general insurance customers who will download and register on Emma by AXA PH from May 1-31, 2021 will get a chance to win any of the weekly prizes. When is the promo period? Promo period is from May 1 to 31, 2021.How can I claim my prize?Make sure that your mobile number is updated on the Emma by AXA PH mobile app or the web portal. The e-vouchers will be sent via SMS. Winners will be announced and posted on AXA’s official social media page and website.

Frequently asked questions for AXA Rewards ProgramWhat is AXA Rewards?​ AXA Rewards is AXA Philippines’ loyalty program that encourages customers to achieve their financial goals while earning points that they can exchange for lifestyle rewards.​How do I qualify for AXA Rewards?​To qualify, you must:-Have at least one (1) insurance policy in-force or active for at least one (1) year with average premium worth P115,000 per year-Have no missed premium payments-Be registered to the Emma by AXA appHow do I access AXA Rewards?If you’re qualified, you can automatically access the AXA Rewards tab in your MyAXA web portal.How do I earn points?​Accomplish tasks to earn points! You can start with the following:​a) Update your contact info on the MyAXA web ​portal <www.axa.com.ph/myaxa/login>b) Read the article of the week​c) Answer the quiz of the week correctly​d) Enroll your debit card or credit card to our auto-pay​​ facility <https://www.axa.com.ph/autopayfaq>What can I do with my points?​For as low as 100 points, you can already start to redeem vouchers from any of our lifestyle partners. One point is equivalent to P1.00.How do I redeem vouchers?​Just log on to MyAXA web portal and go to the ‘redeem’ tab on your dashboard. Minimum amount for redemption may vary per partner establishment.

Take your cue from the stories of today’s biggest names. With the varying quarantine restrictions brought about by the global pandemic, a lot of things have changed in the way goods and services are purchased. From brick-and-mortar stores, most businesses shifted to pickups and deliveries. This change has also allowed new small businesses to enter the scene in the past few months without shelling out too much in capital, as transactions are now mostly done online. Thinking of starting your own business? Before you jump into your venture headfirst, know that the road to success can be full of bumps. While you may not be able to avoid them entirely, you can learn from how today’s big names grew their businesses. First things first: What do you want to offer? Is there a need that your product or service can address or bridge the gap to? This is an important thing to consider, especially in today’s situation where some industries do not have the same demand as they used to pre-pandemic. Plus, with a lot of people now venturing into startups, the products or services you offer must be of great value to stand out. Apart from that, how to avail of your products or services is a main consideration, as most businesses have shifted online or operate physical stores in a limited capacity.This means that it is important to pay attention to your target market or your customers. Robin Chase, the former CEO of Zipcar, a car-sharing and car club service, shares a major mistake committed with her second company, a social, online ride-sharing business. “We spent too much money on the website and software before engaging with our first customers,” she tells Buffer. While there is merit in polishing your product or improving your service, you have to make sure that these factors do not get in the way of one of the most important relationships your business will ever have: the one with your customers. It is a smart move to reach out to your potential customers first before rolling out a new innovation.The late Henry Sy Sr., the man behind the biggest mall operator in the country, believed that success is a mix of several factors that include hard work, opportunity, and timing. Esquire Philippines’ quotes roundup included Sy’s quote on success: “Success is not just good luck: It is a combination of hard work, good credit standing, opportunity, readiness, and timing. Success will not last if you do not take care of it.” In 1958, he already envisioned that if he could sell a pair of shoes to every Filipino, he could be successful, according to an article by My Story, My SM. Seeing how the brand evolved into the retail giant that it is today, perhaps their recipe for success had most of those elements he mentioned, if not all.All the talk about success would make one think that there is no room for mistakes. However, for Jollibee Foods Corporation founder and chairman Tony Tan Caktiong, mistakes are part of the process. “If you dream big and put your dreams into action, you will inevitably make mistakes. But don’t be scared to make mistakes,” he shares in the 2013 Asia-Pacific Economic Cooperation (APEC) small and medium enterprises (SME) Summit. In his case, his group tried to start brands like Mary’s Chicken and Copenhagen ice cream, but these did not take off. “Learn from each mistake and it will not be a waste of your time,” he says, and went on to establish one of the biggest food businesses in the country.It also helps to always be on the lookout for opportunities to grow your business. What may be effective today might not work three months from now, especially with the ongoing pandemic. It is important to regularly ‘feel the pulse’ of your consumers—whether it’s through surveys, or monitoring your social media account and analyzing customer reviews. It also helps to be up to date with trends to ensure that your product or service remains to be relevant and sensitive with the changing times.Starting a business is not easy, but it can be one of the most fulfilling thing you’ll do. While there may be speed bumps ahead, it does not need to derail your success.  You can protect your hard work from the unexpected by getting an insurance package for your business. With Business Security, a comprehensive insurance made for business owners, you won’t have to worry about damages or loss due to fire or lightning, including acts of nature, disrupting your business. It also comes with a personal accident insurance for your employees, and coverage for money, securities, and payroll. With those covered, you’re well on your way to success.

Check out these tips to help give your startup an edge. You have a groundbreaking idea, enough capital, and ample time to bring your dreams of becoming an entrepreneur—that’s great! However, keeping a business afloat for a long time takes more than these things. Even the most passionate individual might not be able to sustain a business, no matter the size, if he or she fails to look into and employ the seemingly small yet highly significant things that help businesses thrive. As an entrepreneur, you want to be in it for the long run. To help you start, read through these five tips that will help give your business an edge and ensure its longevity:1. Conduct extensive market research.Before starting your business, you need to conduct primary market research to know your competition, potential customers, and possible partners. Doing so will greatly help you create a more solid business strategy. This also applies to those who have already dipped their feet into their venture—research should be an ongoing process to ensure that your business will do well in the months and years to come.2. Choose your online platform.With over 70 million social media users in the Philippines in 2019, it only makes perfect sense to give your venture an online presence, especially now that consumers have adapted to buying what they need online. Consider having at least one social media account up, so you can focus on one platform first and familiarize yourself with its features. Setting up a Facebook page is one option, as it is the most popular social media platform among Filipinos today. Some business owners go for Instagram, especially when their branding is visuals-heavy. Whichever platform you choose, it must be able to help you build your brand, engage with your customers, and understand the needs and wants of your audience better. 3. Hire an accountant.Even if you’re running a startup or a small online shop, hiring an accountant to manage the finances will definitely do your business good. Accountants perform various roles in businesses, including bookkeeping, preparing financial reports, and ensuring regulatory and reporting compliance, among others. It’s also one way to create structure or professionalize your business.4. Attend online seminars.Despite your busy schedule in setting up your business, find time to attend events and conferences. There are a lot of online conferences and webinars nowadays, where you can discover the latest trends and learn from the experience of some of your chosen industry’s best practices. This is also a good way to network and meet similar people who can help you now and in the future.You won’t be able to predict what can happen during the course of running your business. An insurance coverage can help you prepare for the unexpected. From startups to corporations, businesses greatly benefit from the protection insurance offers.  When your enterprise is covered from losses incurred from unforeseen events, you can concentrate on growing your venture and chasing after opportunities to make it even bigger.  With Business Security, you can get coverage that’s tailored to the needs of your business whether small, medium, or micro. Protect your business against damage or loss due to fire, robbery and burglary, and natural disasters such as earthquakes, typhoons, and floods.It’s best to get these things in place as soon as you start your business, so you can enjoy the fruits of your passion and hard work for a long time.

Enjoy contactless payment when you visit an AXA branch*. You can now pay your Car Insurance Online, Home Security, Smart Traveller and other general insurance premiums with PayMaya QR in just 3 easy steps!1. Launch the PayMaya app on your mobile.2. Scan the QR code in the AXA branch* near you.3. Enter the amount due, verify and click ‘pay’*Available to AXA branches that accommodate general insurance transactions.Frequently asked questions1. What is PayMaya QR? PayMaya QR is a technology that enables you to purchase goods and/or services just by scanning the merchant’s QR code using the PayMaya app. A QR code is a two-dimensional barcode readable by smartphones. It’s a simpler and safer way to pay instead of manually entering the merchant’s data into your mobile phones. Upon scanning, you will have the account details of the merchant and can complete the purchase by sending your payment to the PayMaya merchant from your PayMaya wallet. 2. Where can I pay using PayMaya? PayMaya accountholders can use the PayMaya mobile app or PayMaya debit card to pay for various purchases and transactions. Merchants that accept PayMaya QR will display a QR code to enable payments.AXA Philippines is now one of the partner merchants of PayMaya. General insurance policyholders can now choose to pay their auto insurance, home insurance, and marine cargo insurance premiums at any AXA branches that accommodate general insurance transactions.3. Why would I use QR code payments instead of cash? Payment via QR code eliminates the need to dig through your wallet for bills and change. There’s no risk of money falling out, and it’s safer because your money is secured in an electronic wallet. Using PayMaya QR will also give you instant rewards and you can earn loyalty points* for every use. *Coming soon 4. I don’t have a PayMaya account. How do I purchase using QR code? Easy! Just create a PayMaya Account! Here’s how:• Download the PayMaya app • Register using your mobile number • Add money to your PayMaya account via PayMaya’s partner channels.Visit https://www.paymaya.com/quick-guide/add-money-channels for the list of Add Money channels. Once you’ve loaded funds into your account, you’re all set to pay your AXA GI premiums via QR code: • Tap the Scan icon in the home screen of your PayMaya app • Scan the branch’s QR code • Input the amount • Click ‘Continue’ • Check the transaction details • Click ‘Pay’ • Present the confirmation message to the branch officer/specialist 5. I’m an existing PayMaya user. Can I already make PayMaya QR transactions? Yes, you can! Just make sure that your PayMaya app version is up to date and that you have funds in your account. All you have to do is: • Tap the Scan icon in the home screen of your PayMaya app • Scan the branch’s QR code • Input the amount • Click ‘Continue’ • Check the transaction details • Click ‘Pay’ • Present the confirmation message to the branch officer/specialist6. Do I need to be in the AXA branch to complete the transaction?Yes, you have to be close enough for the PayMaya app to clearly scan the branch’s QR code. It is best that you stay in the branch until the payment is confirmed so you can show the transaction details to the branch officer/specialist on the spot. 7. How do I know if the transaction was successful?A pop-up screen should appear in the app right after the transaction and you’ll also receive a transaction confirmation via SMS once it’s been processed. You can also check your transaction history and account balance in the app’s home screen. 8. Are there any fees if I make a PayMaya QR payment? None, paying via PayMaya QR is totally free! No convenience charges or service fees involved. 9.  Is there a minimum or maximum transaction account when making PayMaya QR payments? There is no minimum transaction amount for you to make a PayMaya QR payment.On the other hand, since PayMaya QR payments are treated as purchases*, there are maximum transaction limits based on your money-in limit for the month. This limit will depend on the status of your PayMaya Account (Starter or Upgraded). This means that a starter account can purchase up to Php 50,000.00 per month and an upgraded account can purchase up to Php 100,000.00 per month.10. Is this method of payment safe? Each QR code is unique per merchant so when you scan with PayMaya QR, you’re guaranteed that the information you’ll receive is accurate without any risk of any manual input errors. Access to your account is also secured by a password log-in before you can transact. PayMaya is regulated by the Bangko Sentral ng Pilipinas (BSP), so you have peace of mind. 11. How can I confirm if the AXA branch accepts this payment method?Just look for the “PayMaya QR accepted here” sign inside the branch. You can also check the PayMaya website, www.PayMaya.com or their official Facebook page @PayMayaOfficial for the list of merchants accepting PayMaya QR payments.12. Who can I contact in case I have other questions? For questions or concerns regarding PayMaya QR, other PayMaya services, account information inquiries, or other transaction-related inquiries, feel free to contact PayMaya Customer Support via the following: • Hotline: (+632) 8 845-7788, 1800-1084-57788 (toll-free) • Email: support@paymaya.com • Facebook: www.facebook.com/PayMayaCares/ For questions or concerns regarding AXA general insurance policies and transactions, please contact the AXA Customer Care hotline at (+632) 8 5815-292 or email customer.service@axa.com.ph.

Simplify the search and decision-making for your next vehicle.Having a bigger family entails changing up a few things, lifestyle-wise. Gone are the days when you simply needed a ride, reliable or otherwise, to get around in. Perhaps you opted for a hand-me-down or second-hand model for your first car or two, or maybe you selected the cheapest option on the dealer's list. But now, maybe you already have an incoming college student and will need to drive on his own or your wife needs a car to shuttle from your house to work. Whether you need a bigger vehicle to accommodate your family or you have saved up enough cash to replace your old car, there are things to consider, ideally before you swing by a car dealership.1. Pinpoint your reasons for buying a second carYour car should have enough space and features to cater to your needs. Consider if you are upgrading or if you have specific needs in terms of space. A mini hatchback or subcompact sedan might have cut it in your younger, more carefree days, but now you have family trips, groceries, school supplies, and maybe a growing business to think about. A crossover or an MPV (ideally with seven seats) are some segments to consider. For bigger families, there are a multitude of vans and midsize SUVs to choose from. As for features, opt for models equipped with things like Isofix (attachment points for child safety seats), keyless entry, and electronic driving aids. 2. Learn from your previous experienceYou already know the things that come with purchasing a car, and it’s also what you’ll need to remember when you purchase your next vehicle. As with most purchases, your utmost priority should be quality. You should scour testimonials to learn which models are reliable over years of use. Forums, Facebook groups, and car reviews are good places to start. Look for owner insights on common faults, maintenance costs, parts availability, and after-sales service. Also ensure that the model you choose has a good safety rating, especially if you have kids in tow. Choosing the right ride can mean years of service and convenience not just for you, but for your entire family too.3. Decide on the brand that can match your after-sales expectations Think long and hard in choosing which brand you will buy from. Sure, you want to convey your success to the world, but it goes beyond simple materialism. Go with a brand with a good reputation for reliable and affordable after-sales service. Talk to car owners of brands you are interested in and ask about their experiences after they purchased their cars. Again, you want your car to last a long time, so it’s best to go with a brand that will help you accomplish that. More importantly, opt for a brand that’s convenient for you and your situation. Consider the following: Is there a service center near your house or work? Are parts readily available? Can you contact your dealer or service center easily? These are some important points you need to consider. 4. Get your new car insuredA good car insurance plan will protect your car in the unfortunate event of an accident or other mishaps like damages or theft, and even acts of nature. This is why getting your ride insured is extremely important. AXA offers Car Insurance Online, a comprehensive car insurance product, which covers loss, damage, and liabilities, available online. Plus, get free 24/7 access to roadside assistance with Rescue Line by AXA. Its services include towing, crane, and minor onsite repair services such as change of flat tires, battery boosting and emergency fuel delivery. It is also supported by Roadside Emergency Tracker Assistance, where you can track the tow truck on its way to you through your phone. Remember: If you’re willing to spend on a good car, then it pays to invest on your peace of mind.

You can now pay your premiums for Car Insurance Online, Home Security, Smart Traveller, and other AXA general insurance policies through PayMaya. Here’s how:1.       Open your PayMaya app2.       Select AXA* from the list of billing partners3.       Input your policy number (e.g. FI-PHS-SP-20-1234-0) and your amount due then click ‘Pay’*Kindly select the AXA logo with biller name Charter Ping An Insurance CorporationFor more information, check out the FAQs below!Frequently asked questions1.     What is PayMaya?PayMaya is an app that allows you to pay your utility bills as well as government contributions conveniently.2.     How do I pay my insurance premium through PayMaya?a.       Open the PayMaya app and log in to your account  b.       Tap “Pay Bills” in the home screen  c.        Select AXA from the list of billers   d.       Enter your policy number (e.g. FI-PHS-SP-20-1234-0) and your amount duee.      Review and confirm your payment details, then click ‘Pay’3.     What bills can I pay through PayMaya?·         AXA Philippines general insurance premiums·         Meralco·         Laguna Water·         Cignal·         PLDT·         Smart Postpaid·         Smart Bro·         Maynilad·         Sun postpaid·         Globe Postpaid4.     Do I need to enroll my account number or biller before I can pay my bill?No need to enroll your policy/account number or biller to pay your bills.5.     How do I ‘add money’ to my PayMaya account?You can ‘add money’ to your PayMaya account via bank transfers or via debit/credit cards, Robinsons Department Store Business Centers, The SM Store Business Services, Smart Padala branches nationwide and select 7-Eleven branches. For the complete list of PayMaya’s ‘add money’ channels, please visit: https://www.paymaya.com/quick-guide/add-money-channels6.     Can I pay the bill of my family or friend using the PayMaya app?Yes, as long as you provide their correct policy/account number.7.     Can I use the PayMaya app to pay my bills anywhere?Yes, as long as the merchant is available in the list of PayMaya billers.8.     Do I need to be upgraded to use Pay Bills?No, you just need to download the PayMaya app, register and add money to your account to pay your bills.9.     Are there any fees?No additional fees apply for general insurance premium payments to AXA Philippines. 10.  What general insurance premiums can I pay through PayMaya?You can pay premiums for the following general insurance products: ·  Motor· Fire· Engineering· Personal Accident· Bonds·  Marine· Liability and Financial Lineso Comprehensive General Liability o Product Liability o Professional Liability o Single Project Professional Liability o Directors and Officers Liability · Miscellaneouso Money, Securities and Payroll Robbery o Fidelity Guarantee Insurance o Property Floater o Golfer’s Comprehensive Insuranceo Hole-in-One Insurance o Purchase Protection o Extended Warranty 11.  Can I pay my bills in advance?No, client cannot pay bills in advance.12.  Can I make partial payments?Yes, as long as the policy number is existing and valid. 13.  Will the app show the amount due?No, please refer to your current billing statement to know your premium due.14.  How do I make sure my bill was paid?You will receive an in-app notification and SMS confirmation from PayMaya that your bill has been paid with reference ID as your transaction receipt. You will receive an Official Receipt from AXA Philippines (Charter Ping An Insurance Corporation) within 3 to 5 business days from posting of payment. 15.  What happens if my bills payment fails?In case AXA Philippines (Charter Ping An Insurance Corporation) is unable to receive payment due to system issues, the amount you paid will be refunded to your account.16.  Can I pay my bills after their due date?You can pay your premium even after the due date.  However, we encourage paying your general insurance premium on time to ensure continued coverage. 17.  Can I pay more than the amount due?Please pay the exact amount of your premium as stated in your billing statement.18.  If I pay my bills today, when will my payment be credited?Posting of transactions for AXA Philippines (Charter Ping An Insurance Corporation) will be within 1 to 2 business days.19.  What do I do if I settled the wrong account? Is there a charge to have this reversed?You can reverse the payment you made. There will be no charge for reversal of wrong account paid.20.  What is the maximum amount allowed for bills pay?Maximum amount for non-upgraded PayMaya accounts is Php 50,000 and Php 100,000 for upgraded accounts. For premium payments beyond this amount, please pay over-the-counter at any Metrobank, PSBank, Chinabank and Unionbank* branch.*still in-process21.  Is it considered late payment if I paid on the exact due date given that it takes a while for the payment to be posted?No, as long as you pay within your credit term.22.  Will I get an official receipt when I pay my bills through PayMaya?No, but PayMaya will provide a reference number to show/track your payment. You will receive an official receipt from AXA Philippines through your registered email within 3 to 5 business days from posting of payment.23.  Why is the Pay Bills option empty in my app?You would need the latest version of the app for you to use Bills Pay. Please go to the Google Play or App Store and press “Update” on the mobile app.24.  Who do I call if I encounter problems with my payment?You may call PayMaya for wallet debiting concerns:·         support@paymaya.com·         +632 8845 77 88·         Toll Free: 1-800-1084-57788For non-posting of payment, please call PayMaya’s service partner Bayad Center:·         support@bayadcenter.com·         +632 8672 5777·         +63 920 966 3000 / +63 917 836 3000·         Facebook: ·         Twitter: @Bayad_CenterPlease present your payment Reference ID or Receipt No. from the in-app payment notification of PayMaya.