Calamity Assistance for Customers Affected by Typhoons Pepito, Nika, and Ofel FAQs

1. 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 interest
c. 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.