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Hike for a greener future together with AXA Hong Kong
To live out AXA’s commitment to promoting holistic wellness and contributing to a greener and sustainable future for our community, AXA is proud to be the title sponsor of Green Power Hike, in support of the iconic annual large-scale charity hiking event in Hong Kong.
Green Power Hike is dedicated to promoting nature appreciation through hands-on hiking experience. It encourages participants to explore the ecology of Hong Kong Trail, as well as to put the “Leave-No-Trace” concept into practice by taking their own rubbish away, recycling the rubbish and reducing resource use.
Since 1994, the event has attracted more than 76,000 participants to hike for a green future. The fund raised is contributed to Green Power’s environmental education works and biodiversity conservation projects.
The 31st Green Power Hike will take place on 13 January 2024 (Saturday), with three routes available for individuals and teams. This year, the 25km and 50km races have been recognised as the UTMB Index Race, making the event even more exciting for hiking lovers!
Special offer for AXA customers
From now until 1 November, AXA customers can enrol in the Green Power Hike through AXA’s dedicated priority registration link. The participation quota is 3,000 persons. To participate, please enrol on AXA’s priority registration page.
Details of the 31st Green Power Hike
Event Date: 13 January 2024 (Saturday)
Location: Hong Kong Trail
Route: 50km / 25km /10km
Category: Individual / Team / Green Team/ Corporate
Quota: 3,000 persons (First come, first served)
AXA Priority Registration Period: 27 Sep 2023 10:00am to 1 Nov 2023 11:59pm
For more information, please refer to Green Power Hike official website or contact Green Power by email at hike@greenpower.org.hk
Act for human progress by protecting what matters
At AXA, our purpose is to act for human progress by protecting what matters. Below are some of the highlights of the partnership.
- Green Power Hike, an annual large-scale charity hiking event in Hong Kong, dedicated to the promotion of nature appreciation through hands-on hiking experience
- As the first insurer to support Green Power Hike as the Title Sponsor, AXA aims to motivate the community to build a greener and sustainable future
FAQs
Who is the organiser of this event?
What is Green Power Hike?
When and where will be the Green Power Hike held in 2024?
Who will be eligible to join the event?
How much is the application fee?
Can I register for the event more than once?
Can I contact the organiser if I have any questions?
- Developer : AXA China Region Insurance Company Limited
- Version : 1.24.20
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- Privacy Policy : Please click here
Prepay your medical insurance premium for a guaranteed return
Nothing is a guarantee in this world... Except when AXA comes together with Gareth. T to bring you up to 4% guaranteed crediting interest rate, the highest return in Hong Kong！
Enrol now!
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Key Features
How to Access
Easy access from any device, anytime and anywhere
- Developer : AXA China Region Insurance Company Limited
- Version : 1.24.20
- Usage Access : Storage, Photos/Media/Files, Camera, Location, Wi-Fi Connection, View Internet Connection and Full Internet Access
- Privacy Policy : Please click here
Access your AXA BetterMe services & offers via My Privileges
AXA BetterMe is a holistic wellness platform with a comprehensive suite of programmes and services covering physical wellness support, mental wellbeing support and disease management.
Access your personalised services under ‘My Privileges’ on Emma by AXA, and equip yourself to become stronger and more resilient, thus you can always get prepared and rise to any occasion with confidence and become a #BetterMe.
More Information
Prepay your medical insurance premium for a guaranteed return
Nothing is a guarantee in this world... Except when AXA comes together with Gareth. T to bring you up to 4% guaranteed crediting interest rate, the highest return in Hong Kong！
Enrol now!
* Terms and conditions apply.
With “Symptom Checker” and “Wellness Companion”, 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.
Download Emma by AXA and help our forests to flourish
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!
Act for human progress by protecting what matters
At AXA, our purpose is to act for human progress by protecting what matters. Below are some of the highlights of the partnership.
- The Priceless Planet Coalition, formed by more than 100 global banks, fintechs and merchants, works to address challenges associated with climate change by uniting companies, communities, and consumers in collective, coordinated climate action
- AXA is the first insurance company to partner with Mastercard® in Coalition-related initiatives in Hong Kong
- AXA joins the contribution efforts to the Coalition’s goal of restoring 100 million trees by 2025
- The reforestation work will include 15 new sites worldwide, including Cambodia, the Chinese Mainland, India, and the Philippines
Learn more about AXA’s Green Actions
Let’s Go Green! - Introducing eStatement/ eAdvice Service
To help protect the environment, we are reducing our use of paper by switching our customers with eligible policies to eStatement /eAdvice Service.
Why Going Green matters?
At AXA, we act for human progress by protecting what matters and are dedicated to creating a sustainable future. To move closer to our Green Goals, we have launched “Let’s Go Green”, an initiative to reduce the 11M sheets of paper we are sending to our customers every year.
What does this mean for me?
From June 2021 onwards, we will gradually move our Life, Critical Illness and designated Health Insurance policyholders to eStatement / eAdvice Service. With eStatement / eAdvice Service you can enjoy a safe, convenient and eco-friendly eCommunication journey by receiving policy updates by email and/or SMS, and instantly view your eDocuments via Emma by AXA mobile app and portal. Your eDocuments will be stored safely in Emma by AXA.
You will be notified of your switch-over date by email or SMS. After your switch-over date you will no longer receive paper statements.
What are the benefits of eStatement / eAdvice Service?
- Receive policy updates by email and/or SMS
- Instantly view your policy documents
- Safe digital storage for your policy documents
Follow the steps below to start your eCommunication journey today!
How to eRegister for your policies on Emma by AXA?
How to view your policy documents on Emma by AXA?
How to update your email address and mobile number on Emma by AXA?
Explore on Emma by AXA
Our App
Download our app now from the links below!
Our Portal
- Developer : AXA China Region Insurance Company Limited
- Version : 1.24.20
- Usage Access : Storage, Photos/Media/Files, Camera, Location, Wi-Fi Connection, View Internet Connection and Full Internet Access
- Privacy Policy : Please click here
Emma by AXA mobile app is only available in Hong Kong and Macau. Customers in Mainland China and other regions can access Emma by AXA’s digital services via the web portal.
Frequently Asked Questions
1. Are there any fees for the eStatement / eAdvice Service?
2. Will I be charged for receiving paper statements?
3. How will I receive my policy information?
4. Will I continue to receive paper documents in the mail?
5. What policy documents are available to view, and how long will my documents be stored in Emma by AXA mobile app/ portal?
Learn more about AXA’s Green Actions
Plant seeds of hope for the Earth
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.
Our Commitment on Climate Change
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 Climate School for university students in Hong Kong
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 full-time university undergraduate 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.
Contact AXA
| Customer Hotline | (852) 2802 2812 |
| Business hours | Monday - Friday: 09:00 - 17:30 |
| Saturday: 09:00 - 13:00 | |
| Except Public Holidays |
Try on Emma by AXA
Take the lead and switch to eStatement / eAdvice Service on Emma by AXA today!
Remarks
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
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
MPF
Smart and Simple MPF employers and employees can log in here to check their MPF account details.
ORSO
ORSO employers and employees can log in here to check their ORSO account details.
Employee Benefits
Employers can log in here to check policy information, benefits class and claim status at member level.
Wealth Management (Next to you)
Selected Wealth Management clients can log in here to check policy details.
AXA High Net Worth e-Services
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 : 1.24.20
- Usage Access : Storage, Photos/Media/Files, Camera, Location, Wi-Fi Connection, View Internet Connection and Full Internet Access
- Privacy Policy : Please click here
Prepay your medical insurance premium for a guaranteed return
Nothing is a guarantee in this world... Except when AXA comes together with Gareth. T to bring you up to 4% guaranteed crediting interest rate, the highest return in Hong Kong！
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
SmartCargo policyholders and intermediaries can log in here to retrieve cargo certificates once they are issued.
SmartDrive
SmartDrive agents can log in here to get a car insurance quote.
Travel
Intermediaries can log in here to get a travel insurance quote and buy travel insurance.
GI ACE Portal – Zung Fu
AXA and Zung Fu staff can log in here to generate a quote and make enquiries.
AXA High Net Worth e-Services
Evolution policyholders and intermediaries can log in here to check policy details and generate contract statements and illustrations.
AXA ePartner – Distributor Portal
Business partners and financial consultants can log in here to check the Employee Benefits policy details of their clients.
Download
Not Yet Our Partner? Find out more!
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.
AXA360
AXA agents can log in here to receive client servicing support.
Not Yet Our Financial Consultant?
Enquiry: (852) 3104 3517
Email: career@axa.com.hk
Do you want to apply for Pre-authorisation...
Individual Insurance Plan
Employee Benefits
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.
Do you want to initiate a claim on your…
Individual Insurance Plan
Employee Benefits
Do you want to initiate a claim on your…
Individual Insurance Plan
Employee Benefits
Do you want to initiate a claim on your…
Individual Insurance Plan
Employee Benefits
Do you want to initiate a claim on your…
Individual Insurance Plan
Employee Benefits
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.
Do you want to initiate a claim on your…
Individual Insurance Plan
Employee Benefits
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.
Do you want to initiate a claim on your…
Individual Insurance Plan
Employee Benefits
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.
Medical Insurance:
Life insurance:
General insurance:
You can pay your premiums with:
Remarks
- Payment via Emma by AXA app / portal, FPS and Hongkong Post (PayThruPost) is NOT available for 8-digit Policy No.
General Notes
- Please settle payments within 3 working days before the payment due date.
- Receipts will only be issued for cheque payment and payment at cashier office, please keep a copy of the payment slip(s)/ transaction statement(s) for record.
- All payments should be made by Policyowners / insured / beneficiary and Policyholder / insured’s direct family members (including spouse, brothers, sisters, parents, children, grandparents, grandchildren, father-in-law and mother-in-law). Third Party Payments will not be accepted.
- Monthly premium is to be settled by autopay through the bank. For policies with an inactive autopay status, please contact your Financial Consultant or call our Customer Service Hotline at (852) 2802 2812 for assistance.
- Please pay the overdue premium within the grace period of the relevant policy to ensure the continual coverage of your policy. Any payment made subsequently, subject to our acceptance, will only entitle the insured of the policy to be covered after the date of payment subject to specific policy provision and not earlier.
- Please use the payment methods listed above for premium payment. To protect your interest, you must not make any payment to the Financial Consultant by any means, including paying cash to the Financial Consultant or deposit money directly to Financial Consultant’s bank account.
You can pay your premiums with:
Remarks
- Payment via Emma by AXA app / portal, FPS and Hongkong Post (PayThruPost) is NOT available for 8-digit Policy No.
General Notes
- Please settle payments within 3 working days before the payment due date.
- Receipts will only be issued for cheque payment and payment at cashier office, please keep a copy of the payment slip(s)/ transaction statement(s) for record.
- All payments should be made by Policyowners / insured / beneficiary and Policyholder / insured’s direct family members (including spouse, brothers, sisters, parents, children, grandparents, grandchildren, father-in-law and mother-in-law). Third Party Payments will not be accepted.
- Monthly premium is to be settled by autopay through the bank. For policies with an inactive autopay status, please contact your Financial Consultant or call our Customer Service Hotline at (852) 2802 2812 for assistance.
- Please pay the overdue premium within the grace period of the relevant policy to ensure the continual coverage of your policy. Any payment made subsequently, subject to our acceptance, will only entitle the insured of the policy to be covered after the date of payment subject to specific policy provision and not earlier.
- Please use the payment methods listed above for premium payment. To protect your interest, you must not make any payment to the Financial Consultant by any means, including paying cash to the Financial Consultant or deposit money directly to Financial Consultant’s bank account.
You can pay your premiums with:
Remarks
- Payment via Emma by AXA app / portal, FPS and Hongkong Post (PayThruPost) is NOT available for 8-digit Policy No.
General Notes
- Please settle payments within 3 working days before the payment due date.
- Receipts will only be issued for cheque payment and payment at cashier office, please keep a copy of the payment slip(s)/ transaction statement(s) for record.
- All payments should be made by Policyowners / insured / beneficiary and Policyholder / insured’s direct family members (including spouse, brothers, sisters, parents, children, grandparents, grandchildren, father-in-law and mother-in-law). Third Party Payments will not be accepted.
- Monthly premium is to be settled by autopay through the bank. For policies with an inactive autopay status, please contact your Financial Consultant or call our Customer Service Hotline at (852) 2802 2812 for assistance.
- Please pay the overdue premium within the grace period of the relevant policy to ensure the continual coverage of your policy. Any payment made subsequently, subject to our acceptance, will only entitle the insured of the policy to be covered after the date of payment subject to specific policy provision and not earlier.
- Please use the payment methods listed above for premium payment. To protect your interest, you must not make any payment to the Financial Consultant by any means, including paying cash to the Financial Consultant or deposit money directly to Financial Consultant’s bank account.
You can pay your premiums with:
Remarks
- Payment via Emma by AXA app / portal, FPS and Hongkong Post (PayThruPost) is NOT available for 8-digit Policy No.
- Cash payment at Cashier Office is NOT ACCEPTED for 8-digit Policy No.
General Notes
- Please settle payments within 3 working days before the payment due date.
- Receipts will only be issued for cheque payment and payment at cashier office, please keep a copy of the payment slip(s)/ transaction statement(s) for record.
- All payments should be made by Policyowners / insured / beneficiary and Policyholder / insured’s direct family members (including spouse, brothers, sisters, parents, children, grandparents, grandchildren, father-in-law and mother-in-law). Third Party Payments will not be accepted.
- Monthly premium is to be settled by autopay through the bank. For policies with an inactive autopay status, please contact your Financial Consultant or call our Customer Service Hotline at (852) 2802 2812 for assistance.
- Please pay the overdue premium within the grace period of the relevant policy to ensure the continual coverage of your policy. Any payment made subsequently, subject to our acceptance, will only entitle the insured of the policy to be covered after the date of payment subject to specific policy provision and not earlier.
- Please use the payment methods listed above for premium payment. To protect your interest, you must not make any payment to the Financial Consultant by any means, including paying cash to the Financial Consultant or deposit money directly to Financial Consultant’s bank account.
You can pay your premiums with:
General Notes
- Receipt will only be issued for cheque payment and payment at cashier office. If you pay by other methods, please keep a copy of the payment slip(s)/ transaction statement(s) for record.
- Please pay the overdue premium within the grace period of the relevant policy to ensure the continual coverage of your policy. Any payment made subsequently, subject to our acceptance, will only entitle the insured of the policy to be covered after the date of payment subject to specific policy provision and not earlier.
- Please use the payment methods listed above for premium payment. To protect your interest, you must not make any payment to the Financial Consultant by any means, including paying cash to the Financial Consultant or deposit money directly to Financial Consultant’s bank account.
You can pay your premiums with:
General Notes
- Receipt will only be issued for cheque payment and payment at cashier office. If you pay by other methods, please keep a copy of the payment slip(s)/ transaction statement(s) for record.
- Please pay the overdue premium within the grace period of the relevant policy to ensure the continual coverage of your policy. Any payment made subsequently, subject to our acceptance, will only entitle the insured of the policy to be covered after the date of payment subject to specific policy provision and not earlier.
You can pay your premiums with:
You can pay your premiums with:
You can pay your PortaProtection premiums with:
General Notes
- Receipts will only be issued for cheque payment and payment at cashier office, please keep a copy of the payment slip(s)/ transaction statement(s) for record.
- All payments should be made by Policyowners / insured / beneficiary and Policyholder / insured’s direct family members (including spouse, brothers, sisters, parents, children, grandparents, grandchildren, father-in-law and mother-in-law). Third Party Payments will not be accepted.
You can pay your premiums with:
General Notes
- Receipt will only be issued for cheque payment and payment at cashier office. If you pay by other methods, please keep a copy of the payment slip(s)/ transaction statement(s) for record.
- Please pay the overdue premium within the grace period of the relevant policy to ensure the continual coverage of your policy. Any payment made subsequently, subject to our acceptance, will only entitle the insured of the policy to be covered after the date of payment subject to specific policy provision and not earlier.
You can pay your premiums with:
General Notes
- Receipt will only be issued for cheque payment and payment at cashier office. If you pay by other methods, please keep a copy of the payment slip(s)/ transaction statement(s) for record.
- Please pay the overdue premium within the grace period of the relevant policy to ensure the continual coverage of your policy. Any payment made subsequently, subject to our acceptance, will only entitle the insured of the policy to be covered after the date of payment subject to specific policy provision and not earlier.
Payment with ICBC AXA Cobrand Credit Card
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
- Eligible for up to HKD700 Cash Welcome Offer & Online Application Gift
- Earn bonus points to redeem cash coupons, cash rebate and mileage for AXA premium payment
- 1.5% Cash Rebate for all spending payments
Prepay your medical insurance premium for a guaranteed return
Nothing is a guarantee in this world... Except when AXA comes together with Gareth. T to bring you up to 4% guaranteed crediting interest rate, the highest return in Hong Kong！
Enrol now!
* Terms and conditions apply.
All our products
Life Protection
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
| ||||
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 | |
Annual Premium Calculation for Basic Plan
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 |
Accident Claims Calculation for Individual Coverage - Basic Plan
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 |
|
| ||
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 |
| |||
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
| ||||||
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 |
| |||
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?
EASILY SUBMIT YOUR CLAIMS WITH EMMA BY AXA!
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
Buy now to enjoy 10% seasonal discount1
Enjoy up to an EXTRA 15% discount for multiple insureds in an individual coverage
Why Choose SmartProtect Plus
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.
Product Highlights
- One Solution for Three Generations
Smart Protect Plus offers coverage for all 3 family generations, from 6-month-old babies to 80-year-old in-laws.
- A Choice of Shared or Individual Coverage
You can opt to share the sum insured amount with the whole family, first in Hong Kong2, or go for the individual coverage option so each family member is covered by a standalone sum insured amount!
- Lifetime3 Protection for Everyone
Once approved, your policy - as well as your loved ones’ - are renewable for as long as you live.
- Adaptable to All Needs and Budgets
Starting from as low as HKD1+ a day, premiums become cheaper every additional person covered.
- After One Kid, Other Kids Go Free
For shared coverage, you pay premium for one child only regardless of the total. Children also get double hospital cash and home nursing allowance, so do elderlies.
- Safety Net for Death and Disability
A lump sum payment of up to HKD600,000 to help ease concerns about the hefty expenses death & disability could incur.
- Generous Coverage of Medical Expenses
(Basic Plan only) You’ll be able to claim medical expenses up to HKD10,000 per accident should one knock on your door.
Two optional covers for better protection when accident occurs
Get Instant Quote for AXA SmartProtect Plus Protection
Individual vs Shared Coverage
Which plan is a fit for you & your family?
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 | |
Case Sharing
Substantial Protection for a Fraction of Cost
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.
‘Smart Living@Kenneth’ Series
Kenneth, Chief General Insurance Officer of AXA Hong Kong and Macau, explains the features of SmartProtect Plus.
Smart Living@Kenneth x P1X3L
How can one personal accident insurance plan protect a multi-generational family?
Smart Living@Kenneth x P1X3L
What kinds of medical coverage are included in personal accident insurance plan?
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Starting as low as HKD365/year+
Major Exclusions
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)
FAQ
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?
EASILY SUBMIT YOUR CLAIMS WITH EMMA BY AXA!
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Remarks
Third Party Liability Insurance of Motor Vehicles
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.
Section 1 - Third Party Liability Insurance of Motor Vehicles
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 | |
Section 2 - Liability Insurance for Persons Onboard Motor Vehicles
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.
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