Access Emma by AXA - Your all-in-one insurance & health services platform anytime anywhere
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- Developer : AXA China Region Insurance Company Limited
- Version : 1.26.1.
- Usage Access : Storage, Photos/Media/Files, Camera, Location, Wi-Fi Connection, View Internet Connection and Full Internet Access
- Privacy Policy : Please click here
Click on the link below to download now!
- Developer : AXA China Region Insurance Company Limited
- Version : 1.26.1.
- Usage Access : Storage, Photos/Media/Files, Camera, Location, Wi-Fi Connection, View Internet Connection and Full Internet Access
- Privacy Policy : Please click here
Exclusive to Individual Life, Medical & Investment policyholders
At AXA, we act for human progress by protecting what matters. As part of this purpose, we have been upgrading our digital capabilities and boosting customer interactions. Our aim is to provide a seamless experience to you while minimising the environmental impact. Now, around 80% of our direct communications to customers are digital. We believe that with our collaborative efforts, together we could build a greener and more sustainable future.
Check out some of the key eServices that you may enjoy via Emma by AXA App or Portal* and AXA’s website! Benefits of eService include:
How to eRegister for your policies on Emma by AXA app?
Click "eRegistration" under Policy Management
Read the Terms and Conditions, and click "I Agree"
Click "Submit"
Satisfy all your insurance and wellness needs with one single platform, allowing you to enjoy the benefits of greater protection and unparalleled convenience!
AXA has joined the contribution efforts to the Mastercard® Priceless Planet Coalition’s goal of restoring 100 million trees by 2025.
Through the partnership, we will plant trees around the world on behalf of customers who have downloaded and registered for Emma by AXA to thank them for going green and to give back to nature.
Climate change is causing widespread damage to ecosystems and increasing the intensity of natural catastrophes.
AXA strive to protect the environment by driving corporate Green initiatives and encouraging customers to start their Go Green journey.
AXA is honoured to contribute to the fight against climate change by launching “AXA Climate School for university students in Hong Kong”, a free training course for all university undergraduate or postgraduate students in Hong Kong to learn about this topic.
We sincerely invite all our future leaders to seize this opportunity to get climate-ready, as only by being climate-ready, can we be future-ready.
Customer Hotline | (852) 2802 2812 |
Business hours | Monday - Friday: 09:00 - 17:30 |
Saturday: 09:00 - 13:00 | |
Except Public Holidays |
Take the lead and switch to eStatement / eAdvice Service on Emma by AXA today!
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MediEnhancer Supplement not only promises you steady guaranteed returns, but supports you in coping with ever-rising medical costs.
Enrol now!
* Terms and conditions apply.
Your insurance and wellness companion!
Emma by AXA App and Portal* allow you to manage your policies, submit claims, enhance your physical and mental wellness, earn exclusive offers and so much more. Emma is ready to back you up in different aspects of your life!
*Exclusive to Individual Life, Medical & Investment policyholders
Satisfy all your insurance and wellness needs with one single platform, allowing you to enjoy the benefits of greater protection and unparalleled convenience!
MediEnhancer Supplement not only promises you steady guaranteed returns, but supports you in coping with ever-rising medical costs.
Enrol now!
* Terms and conditions apply.
With “Wellness Buddy”, you can learn more about your health condition and set up workout challenges to uplift your physical wellness. You can also enroll in “AXA Goal” to enjoy up to a 20% premium rebate if you achieve your daily steps goal.
Try “Mind Charger” – a mindfulness tool to charge your mind and uplift your mood through the audio sessions guided by Hong Kong’s renowned yoga teacher, Ms. Margaret Chung.
We offer “Nurse Hotline” and Health Management programmes, to provide professional health advice and support to help you through the journey to health.
At AXA, we care for the environment as much as you do. Therefore, we are joining the contribution efforts to the Mastercard® Priceless Planet Coalition’s goal of restoring 100 million trees by 2025.
Whether it is a collective effort or an individual action, our support is essential to advance sustainable development. By switching to more efficient, environmentally friendly e-services like Emma by AXA, you are actually helping the environment and planting seeds of hope for the Earth.
Start using Emma by AXA to make life easier and more environmentally friendly.
From now until 31 December 2022, AXA will plant trees around the world on behalf of customers who have downloaded and registered for Emma by AXA, through Mastercard® Priceless Planet Coalition. They will receive an e-certificate for their green action.
Act now and contribute to a greener environment!
At AXA, our purpose is to act for human progress by protecting what matters. Below are some of the highlights of the partnership.
We aim to provide a seamless experience to our customers while minimising the environmental impact. Check out what key eServices you can enjoy!
Our online services empower you to manage your policy anytime, anywhere. Check your coverage, submit claims and manage your funds in a few clicks.
Emma by AXA App and Portal* is your all-in-one insurance & health services platform, enabling you to view your policies, submit claims and more. Whatever you need, whenever you need it - we're here to make life easier and more convenient for you.
*Exclusive to Individual Life, Medical & Investment Policyholders
Smart and Simple MPF employers and employees can log in here to check their MPF account details.
ORSO employers and employees can log in here to check their ORSO account details.
Employers can log in here to check policy information, benefits class and claim status at member level.
Selected Wealth Management clients can log in here to check policy details.
Evolution policyholders and intermediaries can log in here to check policy details and generate contract statements and illustrations.
- Developer : AXA China Region Insurance Company Limited
- Version : 1.26.1.
- Usage Access : Storage, Photos/Media/Files, Camera, Location, Wi-Fi Connection, View Internet Connection and Full Internet Access
- Privacy Policy : Please click here
MediEnhancer Supplement not only promises you steady guaranteed returns, but supports you in coping with ever-rising medical costs.
Enrol now!
* Terms and conditions apply.
This is an exclusive service platform designed for our preferred business partners to provide efficient and timely service to our customers.
SmartCargo policyholders and intermediaries can log in here to retrieve cargo certificates once they are issued.
SmartDrive agents can log in here to get a car insurance quote.
Intermediaries can log in here to get a travel insurance quote and buy travel insurance.
AXA and Zung Fu staff can log in here to generate a quote and make enquiries.
Evolution policyholders and intermediaries can log in here to check policy details and generate contract statements and illustrations.
Business partners and financial consultants can log in here to check the Employee Benefits policy details of their clients.
Enquiry: (852) 2523 3061
Email: s&d@axa.com.hk
A Consultant is usually an expert or a professional in a specific field and has a wide knowledge of the subject matter.
AXA agents can log in here to receive client servicing support.
Enquiry: (852) 3104 3517
Email: career@axa.com.hk
Please note that the Employee Benefits coverage for staff differs from one company to another. If you have any questions on Employee Benefits, please do not hesitate to contact our customer service representatives at (852) 2519 1166 for more information.
Please note that the Employee Benefits coverage for staff differs from one company to another. If you have any questions on Employee Benefits, please do not hesitate to contact our customer service representatives at (852) 2519 1166 for more information.
If you have any questions on Group Disability Claim, please do not hesitate to contact our customer service representatives at (852) 2519 1166 or email us by eb.claims@axa.com.hk for more information.
If you have any questions on Group Life Claim, please do not hesitate to contact our customer service representatives at (852) 2519 1166 or email us by eb.claims@axa.com.hk for more information.
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AXA and ICBC(Asia) join hands to launch ICBC AXA Cobrand Credit Cards for you to enjoy rewards and exclusive privileges for AXA premium payment
MediEnhancer Supplement not only promises you steady guaranteed returns, but supports you in coping with ever-rising medical costs.
Enrol now!
* Terms and conditions apply.
Covers death, bodily injury and property damage to third parties
Maximum Limit | RMB200,000 per accident (when Insured is legally responsible) | ||
Sublimit | |||
Sublimit | Insured is legally responsible | Insured is NOT legally responsible | |
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Annual Premium | |||
Annual Premium | Annual Premium | 5 seats or less | HKD1,159 |
Annual Premium | |||
Annual Premium | 6, 7 or 8 seats | HKD1,342 |
For Compulsory Insurance, 20% discount on the annual premium will apply for policies with a 12-month insurance period. For policies with an insurance period less than 12 months, premium will be prorated; and a minimum premium of 30 days will apply. The insurance period must end with the expiry date of the Hong Kong motor policy.
Covers death, bodily injury and property damage to third parties, additional benefit to the Compulsory Insurance
Maximum Limit | RMB2,000,000 per accident | ||
Annual Premium | |||
Annual Premium | Annual Premium | 5 seats or less | HKD1,125 |
Annual Premium | |||
Annual Premium | 6, 7 or 8 seats | HKD1,331 |
Covers death and bodily injury of driver and passengers in insured car
Maximum Limit | RMB10,000 per person | ||
Annual Premium | |||
Annual Premium | Annual Premium | 2 seats | HKD58 |
Annual Premium | |||
Annual Premium | 3 seats | HKD81 | |
Annual Premium | |||
Annual Premium | 4 seats | HKD104 | |
Annual Premium | |||
Annual Premium | 5 seats | HKD126 | |
Annual Premium | |||
Annual Premium | 6 seats | HKD143 | |
Annual Premium | |||
Annual Premium | 7 seats | HKD165 | |
Annual Premium | |||
Annual Premium | 8 seats | HKD187 |
For Commercial Insurance, the annual premium will apply to policies with a 12-month insurance period, with no discount. For policies with an insurance period less than 12 months, premium will be prorated; and a minimum premium of 30 days will apply. The insurance period must end with the policy expiry date of the Hong Kong motor policy.
Comparison Items | Individual Coverage | Shared Coverage | ||
Plan available | ||||
Plan available | Lite Plan | Basic Plan | Basic Plan | |
Annual Premium (for a family of 2 adults and 2 kids) | ||||
Annual Premium (for a family of 2 adults and 2 kids) | HKD1,460Most economical | HKD3,243.65Generous protection | HKD2,2106Save over 30% on premiums compared to Individual Coverage of the same plan | |
Suitable for | ||||
Suitable for | Budget buyers to cover the basic | Family with flexible budget and all-round protection needs | Family with children and all-round protection needs | |
Number of person(s) to be Insured | ||||
Number of person(s) to be Insured | At least 1 | At least 2 and up to 10 (including max. 4 elderly) | ||
Maximum Coverage Limit | ||||
Maximum Coverage Limit | A standalone limit for each insured person | One limit to be shared by all insured persons | ||
Accidental Medical Expenses | ||||
Accidental Medical Expenses | N/A | Max. HKD10,000 per accident | ||
Personal Accident | ||||
Personal Accident | Max. HKD600,000 per insured person, excluding Coma Protection | Max. HKD600,000, including HKD100,000 for Coma Protection | ||
Personal Liability | ||||
Personal Liability | N/A | Max. HKD600,000 | ||
Optional Coverage
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Optional Coverage
| N/A | Each insured person can pick their own optional cover(s) | All eligible insured persons must opt in for the same optional cover(s) | |
Additional Benefits | ||||
Additional Benefits | Additional Benefits | N/A | Broken Bone (for Elderly only) Daily Hospital Cash and Home Nursing Allowance Recovery Aids Job Changing Subsidy (for Adult only) | |
Additional Benefits | ||||
Additional Benefits | Annual Leave Compensation Insured Person Being Abused (for Child and Elderly only) | |||
Other Benefits | ||||
Other Benefits | Immediate Cash Relief Global Hospital Admission Deposit Guarantee 24-Hour AXA Assistance Hotline Service (Worldwide Service) | |||
Premium Discounts | ||||
Premium Discounts | N/A | The discount is higher for each additional insured person(s): 2 to 4 insured: 10% 5 or more insured: 15% | Paying the premium for 1 child covers all children under the same policy |
Details | |
Core Cover | |
Core Cover | HKD1,160 per adult |
Optional Cover – Sports Protection | |
Optional Cover – Sports Protection | HKD200 per person |
Optional Cover – Income Protection | |
Optional Cover – Income Protection | HKD1,500 per working adult |
Multi-insured discount for 4 insured persons | |
Multi-insured discount for 4 insured persons | 10% |
Seasonal discount | |
Seasonal discount | 15% |
Total annual premium | |
Total annual premium | HKD6,150.6 |
Relevant benefit | Actual expense | Claims paid | Remarks | |||
Accidental Medical Expenses | ||||||
Accidental Medical Expenses | Accidental Medical Expenses | |||||
For Mr Lau First consultation fee, X-Ray fee and follow up treatments | ||||||
For Mr Lau First consultation fee, X-Ray fee and follow up treatments | HKD14,000 | HKD12,500 |
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For Mr Lau’s Son First consultation fee, surgery fee and follow up treatments | ||||||
For Mr Lau’s Son First consultation fee, surgery fee and follow up treatments | HKD40,000 | HKD12,500 |
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Personal Sports Equipment and Sportswear | ||||||
Personal Sports Equipment and Sportswear | Personal Sports Equipment and Sportswear | |||||
For Mr Lau’s bicycle | ||||||
For Mr Lau’s bicycle | HKD5,000 | HKD3,000 | HKD6,000 (HKD3,000 per item) | HKD6,000 (HKD3,000 per item) | ||
For Mr Lau’s son bicycle | ||||||
For Mr Lau’s son bicycle | HKD2,500 | HKD2,500 | HKD6,000 (HKD3,000 per item) | |||
Annual Leave Compensation | ||||||
Annual Leave Compensation | Annual Leave Compensation | |||||
For Mrs Lau, who had to take 12 days annual leave to take care of her son and Mr Lau | ||||||
For Mrs Lau, who had to take 12 days annual leave to take care of her son and Mr Lau | N/A | HKD4,000 | HKD2,000 per insured person(HKD500 per day) | |||
Income Protection | ||||||
Income Protection | Income Protection | |||||
For Mr Lau who was unable to work for 30 days (his monthly salary is over HKD12,500) | ||||||
For Mr Lau who was unable to work for 30 days (his monthly salary is over HKD12,500) | N/A | HKD10,000 | Temporary total disablement: 10,000 per 30-day period or 80% of the Insured Person’s average monthly income, whichever is lower, per every continuing 30 days period and up to 6 consecutive periods in one period of insurance. | |||
Personal Liability | ||||||
Personal Liability | Personal Liability | |||||
For one of the cyclist who was also injured in the accident
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For one of the cyclist who was also injured in the accident
| Cover | AXA directly handled the claim and settled the compensation to the third-party |
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Total claims paid (to the policyholder) | ||||||
Total claims paid (to the policyholder) | HKD44,500 |
Q1. Why should you choose SmartProtect Plus ?
Q2. Can I use SmartProtect Plus to insure family members without a formal occupation, such as housewives and retirees?
Q3. Should I take out the Income or Payment Protection option?
Q4. Should I consider the Sports Protection option?
Q5. Which plans are available for Core Cover?
Q6. Can I get reimbursed for medical expenses on Chinese herbalists, bonesetters or acupuncturists?
Q7. Does SmartProtect Plus offer extra benefits for accidents occurring in the Greater Bay Area?
Q8. What sports equipment are covered under the Sports Protection option?
Q9. If more than one insured person suffer an accidental death in the same accident, how are the claims settled under the Shared Coverage?
Q10. When two or more claims are submitted at the same time, how are they settled under a Shared Coverage policy?
Q11. When should I submit a claim?
Q12. How are claims settled when a policyholder who is also an insured person suffers an immediate death in an accident during the policy year?
Q13. Can I add or remove an insured person from the policy during the insurance period?
Q14. Can I cancel my policy or can AXA cancel my policy?
Download Emma by AXA app to enjoy the convenience of submitting your claims online
Submit all required document(s) and your claims will be processed within 7 working days
From gyming, jogging to playing in team sports, Hong Kong families love an active life. But mishaps do happen.
An accident insurance solution designed to protect families either as a group or as an individual, SmartProtect Plus can help you handle medical and out-of-pocket costs that can add up after an injury, from emergency treatment, hospital stays, income loss, even death and disability.
This way, you can do what you love without a second thought.
Comparison Items | Individual Coverage | Shared Coverage | ||
Plan available | ||||
Plan available | Lite Plan | Basic Plan | Basic Plan | |
Annual Premium (for a family of 2 adults and 2 kids) | ||||
Annual Premium (for a family of 2 adults and 2 kids) | HKD1,460Most economical | HKD3,243.65Generous protection | HKD2,2106Save over 30% on premiums compared to Individual Coverage of the same plan | |
Suitable for | ||||
Suitable for | Budget buyers to cover the basic | Family with flexible budget and all-round protection needs | Family with children and all-round protection needs | |
Number of person(s) to be Insured | ||||
Number of person(s) to be Insured | At least 1 | At least 2 and up to 10 (including max. 4 elderly) | ||
Maximum Coverage Limit | ||||
Maximum Coverage Limit | A standalone limit for each insured person | One limit to be shared by all insured persons | ||
Accidental Medical Expenses | ||||
Accidental Medical Expenses | N/A | Max. HKD10,000 per accident | ||
Personal Accident | ||||
Personal Accident | Max. HKD600,000 per insured person, excluding Coma Protection | Max. HKD600,000, including HKD100,000 for Coma Protection | ||
Personal Liability | ||||
Personal Liability | N/A | Max. HKD600,000 | ||
Optional Coverage
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Optional Coverage
| N/A | Each insured person can pick their own optional cover(s) | All eligible insured persons must opt in for the same optional cover(s) | |
Additional Benefits | ||||
Additional Benefits | Additional Benefits | N/A | Broken Bone (for Elderly only) Daily Hospital Cash and Home Nursing Allowance Recovery Aids Job Changing Subsidy (for Adult only) | |
Additional Benefits | ||||
Additional Benefits | Annual Leave Compensation Insured Person Being Abused (for Child and Elderly only) | |||
Other Benefits | ||||
Other Benefits | Immediate Cash Relief Global Hospital Admission Deposit Guarantee 24-Hour AXA Assistance Hotline Service (Worldwide Service) | |||
Premium Discounts | ||||
Premium Discounts | N/A | The discount is higher for each additional insured person(s): 2 to 4 insured: 10% 5 or more insured: 15% | Paying the premium for 1 child covers all children under the same policy |
Mr Lau and his family are lovers of the great outdoors. To protect his family, Mr Lau buys Smart Protect Plus and pays HKD6,151 for the annual premium. Unfortunately, an accident occurs rendering both himself and his son injured. Mr Lau files a claim and manages to get HKD44,500 reimbursed for consultation fees, X-Ray expenses, surgery fees, multiple follow treatments and more.
Mr Lau buys the Basic Plan with Individual Coverage for all family members (2 adults & 2 kids) and adds 2 additional protections (sports and income). With the discounts he gets for signing up 4 family members under seasonal promotion, he pays HKD6,151 for his annual premium.
Mr Lau has a bike crash and winds up with a bad foot fracture that prevents him from working for 30 days; meanwhile, his son fractures his right ankle and needs to undergo a surgery. In the end, Mr Lau manages to get HKD44,500 reimbursed for this case.
Kenneth, Chief General Insurance Officer of AXA Hong Kong and Macau, explains the features of SmartProtect Plus.
How can one personal accident insurance plan protect a multi-generational family?
What kinds of medical coverage are included in personal accident insurance plan?
Any injury or death due to suicide or intentional self-injury; sickness, disease, pre-existing physical or mental defect; unnecessary medical or surgical treatment; cosmetic surgery for the purpose of beautification; venereal diseases or insanity, AIDS, pregnancy or childbirth; acts committed under the influence of drugs or alcohol; duties as part of police, fire services or military; strike, riot, civil commotion (except passive risks), war, nuclear weapons or radioactivity; any unlawful acts; flying other than as a fare-paying passenger; participating in sports in a professional capacity or would earn remuneration from such sports; participating in any kind of speed contest or racing (other than on foot).
(Please refer to Policy Wording for full details of all exclusions)
Q1. Why should you choose SmartProtect Plus ?
Q2. Can I use SmartProtect Plus to insure family members without a formal occupation, such as housewives and retirees?
Q3. Should I take out the Income or Payment Protection option?
Q4. Should I consider the Sports Protection option?
Q5. Which plans are available for Core Cover?
Q6. Can I get reimbursed for medical expenses on Chinese herbalists, bonesetters or acupuncturists?
Q7. Does SmartProtect Plus offer extra benefits for accidents occurring in the Greater Bay Area?
Q8. What sports equipment are covered under the Sports Protection option?
Q9. If more than one insured person suffer an accidental death in the same accident, how are the claims settled under the Shared Coverage?
Q10. When two or more claims are submitted at the same time, how are they settled under a Shared Coverage policy?
Q11. When should I submit a claim?
Q12. How are claims settled when a policyholder who is also an insured person suffers an immediate death in an accident during the policy year?
Q13. Can I add or remove an insured person from the policy during the insurance period?
Q14. Can I cancel my policy or can AXA cancel my policy?
Download Emma by AXA app to enjoy the convenience of submitting your claims online
Submit all required document(s) and your claims will be processed within 7 working days
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