July 2025
As we step into autumn, embrace the season's charm while ensuring you and your family have the best protection in place. AXA supports you at different stages of life with a wide selection of protection products, including health and critical illness insurance, tax savings, savings as well as employee benefits solutions, helping you create a brighter future.
We are pleased to present you the AXA “2025 Autumn Rewards” Programme. From 1 July 2025 to 31 July 2025, both dates inclusive (the “Promotion Period”), if you successfully apply for any new designated basic plans / supplements/ qualifying deferred annuity policy / employee benefits insurance package plans1 with the required annualised first year premium (“AFYP”) / total AFYP / single premium stated below and satisfy other applicable requirements, you may enjoy various wonderful rewards2. Seize the chance today to enjoy the rewards and get protected!
Tax Deductible* and Medical Protection Products
Critical Illness Products
Savings Products
Employee Benefits Insurance Products
Terms and conditions of this promotion apply. For details, please refer to the relevant promotion leaflet.
Remarks
Reward 1A – AXA WiseGuard Pro Medical Insurance Plan + TotalAssure Series Premium Refund
During the Promotion Period, if a customer who successfully submits an application for a basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan for him/herself (“Personal AXA WiseGuard Pro Policy”), the customer may be entitled to 3 months’ premium refund on such policy.
If a customer successfully submits an application for a basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan for a family member (as defined in Terms and Conditions clause 2b under Reward 1A) (“Family Member AXA WiseGuard Pro Policy”) during the Promotion Period, the customer may be entitled to 4 months’ premium refund on such policy.
What is more? During the Promotion Period, if a customer also successfully submits an application for any of the TotalAssure Critical Illness Plan/ TotalAssure Critical Illness Plan – Baby Pro/ TotalAssure Plus Critical Illness Plan/ TotalAssure Plus Critical Illness Plan – Baby Pro (collectively “TotalAssure Series”) and all the relevant policies are held by the same policy owner, the customer may be entitled to up to 8 months’ premium refund in total on the Personal AXA WiseGuard Pro Policy and / or Family Member AXA WiseGuard Pro Policy .
Table 1A
AXA WiseGuard Pro Medical Insurance Plan + TotalAssure Series Premium Refund | |||
Designated Basic Plan/Supplement | |||
Designated Basic Plan/Supplement | AXA WiseGuard Pro Medical Insurance Plan | ||
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |||
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | If a customer successfully submits an application for a Designated AXA WiseGuard Pro Policy for him/herself | If a customer successfully submits an application for a Designated AXA WiseGuard Pro Policy for a family member |
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |||
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | 3 months3 | 4 months3 | |
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |||
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | If the same policy owner also successfully submits an application for any of the TotalAssure Series | |
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |||
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | + 4 months3 | ||
Total | |||
Total | 7 months3 | 8 months3 | |
“First 20 Years TotalAssure Coverage Benefit” Programme for Selected Customers
If a customer (i) is an insured under a basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan and (ii) successfully applies for a TotalAssure Critical Illness Plan / TotalAssure Plus Critical Illness Plan within the Promotion Period, the customer may be entitled to the “First 20 Years TotalAssure Coverage Benefit”, subject to relevant terms and conditions as set out in the leaflet for the “First 20 Years TotalAssure Coverage Benefit” Programme for Selected Customers. For details, please refer to the relevant programme leaflet. Act now to seize this limited offer!
3. For details of Reward 1A, please refer to the section of Reward 1A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
* For more information, please refer to www.ird.gov.hk or seek independent tax advice.
Reward 1B – GlobalReach Medical Insurance Plan Premium Refund
During the Promotion Period, if a customer successfully submits an application for a basic plan of GlobalReach Medical Insurance Plan for him/herself, the customer may be entitled to 2 months’ premium refund on each basic plan.
If a customer successfully submits an application for a basic plan of GlobalReach Medical Insurance Plan for a family member (as defined in Terms and Conditions clause 2b under Reward 1B), the customer may be entitled to 3 months’ premium refund on each basic plan.
Table 1B
GlobalReach Medical Insurance Plan Premium Refund | |||
Designated Basic Plan | |||
Designated Basic Plan | GlobalReach Medical Insurance Plan | ||
Premium Refund on Each Eligible Basic Plan of Reward 1B# | |||
Premium Refund on Each Eligible Basic Plan of Reward 1B# | Premium Refund on Each Eligible Basic Plan of Reward 1B# | If a customer submits an application for a basic plan of the GlobalReach Medical Insurance Plan for him/herself | If a customer submits an application for a basic plan of the GlobalReach Medical Insurance Plan for a family member |
Premium Refund on Each Eligible Basic Plan of Reward 1B# | |||
Premium Refund on Each Eligible Basic Plan of Reward 1B# | 2 months4 | 3 months4 | |
4. For details of Reward 1B, please refer the section of Reward 1B of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 1C – IncomeBliss Deferred Annuity Plan Premium Discount
During the Promotion Period, if customer successfully submits an application for a basic plan of IncomeBliss Deferred Annuity Plan, customer may be entitled to 5% premium discount on the annual premium of such basic plan during the premium payment term+,^.
Table 1C
IncomeBliss Deferred Annuity Plan Premium Discount | ||
Designated Basic Plan | ||
Designated Basic Plan | IncomeBliss Deferred Annuity Plan | |
Premium Payment Term | ||
Premium Payment Term | 5 years | 10 years |
Premium Payment Mode | ||
Premium Payment Mode | Annual | |
Annual Premium of Designated Basic Plan (USD / HKD) | ||
Annual Premium of Designated Basic Plan (USD / HKD) | USD6,000 / HKD48,000 or above | |
Premium Discount Percentage on each Eligible Basic Plan of Reward 1C# (% of the Annual Premium of Eligible Basic Plan of Reward 1C+) | ||
Premium Discount Percentage on each Eligible Basic Plan of Reward 1C# (% of the Annual Premium of Eligible Basic Plan of Reward 1C+) | 5%5 | |
+ Customer who has paid in full the amount of annual premium of the basic plan with levy payable by the customer less the Reward 1C (as defined below) for each policy year during the premium payment term. If customer’s policy is an Eligible Basic Plan of Reward 1C, when customer has paid the amount stated above for a policy year during the premium payment term, AXA will pay an amount calculated by multiplying the annual premium of the Eligible Basic Plan of Reward 1C by premium discount percentage stated in Table 1C above (the “Reward 1C”) to customer’s Eligible Basic Plan of Reward 1C on customers behalf.
^ Only qualified annuity premiums paid under IncomeBliss Deferred Annuity Plan can be tax deductible. For the purpose of tax deduction, the premium discount offered by AXA will not be considered as qualified annuity premiums paid.
For more information, please refer to www.ird.gov.hk or seek independent tax advice.
6. For details of Reward 1C, please refer to the section of Reward 1C of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 2A – Designated Critical Illness Products Premium Refund
Table 2A
Designated Critical Illness Products Premium Refund | ||||
Designated Basic Plans | ||||
Designated Basic Plans | - TotalAssure Critical Illness Plan - TotalAssure Critical Illness Plan – Baby Pro - TotalAssure Plus Critical Illness Plan - TotalAssure Plus Critical Illness Plan – Baby Pro | |||
Premium Payment Term | ||||
Premium Payment Term | 10 years | 15 years | 20 years | 25 years |
Premium Refund on Each Eligible Basic Plan of Reward 2A# | ||||
Premium Refund on Each Eligible Basic Plan of Reward 2A# | 2 months6 | 2 months6 | 3 months6 | 3 months6 |
6. For details of Reward 2A, please refer to the section of Reward 2A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Special Reward – Out-patient Service
During the Promotion Period, the Eligible Insured (as defined in the Terms and Conditions) may be entitled to a one-year out-patient service which includes general practitioner consultation and specialist consultation after the designated basic plans / supplements of Reward 1A/ 1B or 2A is effective and has passed the cooling-off period (the “Special Reward”). The total maximum number of visits of general practitioner consultation and specialist consultation is 10 within that one-year, of which a maximum of 5 visits for specialist is allowed.
Special Reward – Out-patient Service | ||
Out-patient Service8 | ||
Out-patient Service8 | Service Details | |
General Practitioner (Applicable to Hong Kong, Macau and Mainland China) | ||
General Practitioner (Applicable to Hong Kong, Macau and Mainland China) | General Practitioner (Applicable to Hong Kong, Macau and Mainland China) | |
Basic medication | ||
Basic medication |
| |
Maximum visit per day | ||
Maximum visit per day | 1 visit | |
Maximum visit per yeari | ||
Maximum visit per yeari | 10 visits | |
Charge to be borne by Customer per visitii | ||
Charge to be borne by Customer per visitii | HKD / MOP / RMB50 | |
Specialist Consultation (Applicable to Hong Kong and Macau)iii | ||
Specialist Consultation (Applicable to Hong Kong and Macau)iii | Specialist Consultation (Applicable to Hong Kong and Macau)iii | |
Basic medication | ||
Basic medication | Includes up to 5 days | |
Maximum visit per day | ||
Maximum visit per day | 1 visit | |
Maximum visit per yeari | ||
Maximum visit per yeari | 5 visits | |
Charge to be borne by Customer per visitii | ||
Charge to be borne by Customer per visitii | HKD / MOP120 | |
i. The total maximum number of visits of general practitioner consultation and specialist consultation per year is 10 within that one-year .
ii. A charge of HKD / MOP/ RMB50 and HKD / MOP120 in local currency will be borne by customers for every general practitioner consultation (Hong Kong/Macau/Mainland China) and every specialist consultation (Hong Kong/Macau), respectively. If customers use the services which are out of the scope, payment will be borne by customers. The charge to be borne by customer is collected by relevant supplier in the local currency as indicated. AXA is not the supplier of the Special Reward and shall have no obligation or liability whatsoever in relation thereto, including but not limited to their quality or fitness, supply or service. Any disputes arising from the Special Reward shall be resolved between customer and the supplier directly.
iii. Referral for specialist consultation is not required for Obstetrics Gynecology and Pediatrics.
8. For details of Special Reward - Out-patient Service, please refer to the section of Special Reward - Out-patient Service of the Terms and Conditions stated in the promotion leaflet.
Reward 3A – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund
During the Promotion Period, if customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, customer may be entitled to premium refund on future premium(s).
Table 3A
Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan Premium Refund | |||||
Designated Basic Plans | |||||
Designated Basic Plans | Designated Basic Plans | Wealth Advance Savings Series II – Ultimate | Wealth Ultra Savings Plan | ||
Premium Payment Term | |||||
Premium Payment Term | Premium Payment Term | 5 years | 10 years | 8 years | |
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | |||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | USD5,000 or above | |||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | |||||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | 5%7 | 10%7 | 7%7 | |
7. For details of Reward 3A, please refer to the section of reward 3A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 3B – FortuneXtra Savings Plan Premium Refund
During the promotion period, if a customer successfully submits applications for a basic plan of FortuneXtra Savings Plan and its supplements (if applicable) ("Designated FortuneXtra Savings Policy”), the customer may be entitled to up to 28% basic premium refund on future premium(s) of such policy.
What is more? If an existing customer who is holding one or more policy(ies) of any of the following Designated Savings and Investment Plan and successfully submits an application for a Designated FortuneXtra Savings Policy and all relevant policies are held by the same policy owner, the customer may be entitled to 3% extra premium refund on future premium(s) on the Designated FortuneXtra Savings Policy.
Designated Savings and Investment Plan:
- Wealth Advance Savings Plan
- Wealth Advance Savings Series II – Classic
- Wealth Advance Savings Series II – Ultimate
- Wealth Ultra Savings Plan
- Max Wealth Insurance Plan
- FortuneXtra Savings Plan
- WealthAhead Savings Plan
- Polaris Investment Insurance Plan
- Signature II Investment Insurance Plan
- Signature III Investment Insurance Plan
For details of Reward 3B, please refer to the section of Reward 3B of the Terms and Conditions stated in the promotion leaflet.
“First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers
If a customer (i) is a holder of and/ or an insured under a basic plan of FortuneXtra Savings Plan and (ii) successfully applies for a TotalAssure Critical Illness Plan / TotalAssure Plus Critical Illness Plan within the Promotion Period, the customer may be entitled to the “First 10 Years TotalAssure Coverage Benefit” , subject to relevant terms and conditions as set out in the leaflet for the “First 10 Years Total Assure Coverage Benefit” Programme for Selected Savings Plans Customers. For details, please refer to the relevant programme leaflet. Act now to seize this limited offer!
+Total AFYP of Designated Basic Plan and its Supplements (if applicable) for all policy currencies and the corresponding premium refund percentage are shown in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 3C - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3C of the Promotion provides customers an offer of guaranteed preferential interest rate of 4.5% per annum△ on the prepaid amount for the 1st policy year.
To enjoy this offer, simply opt for lump sum payment arrangement and pay a lump sum payment with levy at the time of application of your Max Wealth Insurance Plan. The lump sum payment with levy to be applied as follows:
(i) pay for annual premium of the 1st policy year and the corresponding levy ; and
(ii) deposit fund in advance into the future premium deposit account for premium payment of the 2nd policy year (“Prepaid Amount”) and the corresponding levy. The Prepaid Amount will accumulate interest in the 1st policy year at a guaranteed preferential interest rate of 4.5% per annum in the future premium deposit account. At the end of the 1st policy year, the interest accrued will be credited to the future premium deposit account, and the Prepaid Amount and its accrued interest will be equal to the annual premium of the 2nd policy year and will be automatically deducted from the future premium deposit account to settle the annual premium for the 2nd policy year and the corresponding levy when due.
Table 3C
Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate | |
Designated Basic Plan | |
Designated Basic Plan | Max Wealth Insurance Plan ^ |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | 4.5% per annum△,9 |
“First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers
If a customer (i) is a holder of and / or an insured under a basic plan of Max Wealth Insurance Plan and (ii) successfully applies for a TotalAssure Critical Illness Plan / TotalAssure Plus Critical Illness Plan within the Promotion Period, the customer may be entitled to the “First 10 Years TotalAssure Coverage Benefit” , subject to relevant terms and conditions as set out in the leaflet for the “First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers. For details, please refer to the relevant programme leaflet. Act now to seize this limited offer!
△The guaranteed preferential interest rate of 4.5% per annum is applicable to the Prepaid Amount only.
^ Only applicable to Max Wealth Insurance Plan with the Lump Sum Payment arrangement selected.
9. For details of Reward 3C, please refer to the section of Reward 3C of the Terms and Conditions stated in the promotion leaflet.
Existing AXA Customer Reward - Max Wealth Insurance Plan Premium Refund
During the Promotion Period, if an existing customer is holding one or more policy(ies) of any of the following Designated Savings and Investment Plan successfully submits an application for a basic plan of Max Wealth Insurance Plan (“Designated Max Wealth Policy") and all relevant policies are held by the same policy owner, the customer may be entitled to 3% premium refund on future premium(s) on the Designated Max Wealth Policy:
Designated Savings and Investment Plan:
- Wealth Advance Savings Plan
- Wealth Advance Savings Series II – Classic
- Wealth Advance Savings Series II – Ultimate
- Wealth Ultra Savings Plan
- Max Wealth Insurance Plan
- FortuneXtra Savings Plan
- WealthAhead Savings Plan
- Polaris Investment Insurance Plan
- Signature II Investment Insurance Plan
- Signature III Investment Insurance Plan
Existing AXA Customer Reward Table
Max Wealth Insurance Plan Premium Refund | |
Designated Basic Plan | |
Designated Basic Plan | Max Wealth Insurance Plan |
Premium Refund Percentage on Each Eligible Policy of Existing AXA Customer Reward# (% of the total AFYP of Eligible Policy of Existing AXA Customer Reward) | |
Premium Refund Percentage on Each Eligible Policy of Existing AXA Customer Reward# (% of the total AFYP of Eligible Policy of Existing AXA Customer Reward) | 3%10 |
“First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers
If a customer (i) is a holder of and/ or an insured under a basic plan of Max Wealth Insurance Plan and (ii) successfully applies for a TotalAssure Critical Illness Plan / TotalAssure Plus Critical Illness Plan within the Promotion Period, the customer may be entitled to the “First 10 Years TotalAssure Coverage Benefit” , subject to relevant terms and conditions as set out in the leaflet for the “First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers. For details, please refer to the relevant programme leaflet. Act now to seize this limited offer!
10. For details of Existing AXA Customer Reward, please refer to the section of Existing AXA Customer Reward of the Terms and Conditions stated in this leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Max Goal II Insurance Plan Premium Discount
Table 3D
Max Goal II Insurance Plan Premium Discount | ||||||||
Designated Basic Plan | ||||||||
Designated Basic Plan | Designated Basic Plan | Max Goal II Insurance Plan | ||||||
Single Premium of Designated Basic Plan | ||||||||
Single Premium of Designated Basic Plan | Single Premium of Designated Basic Plan | Premium Discount Percentage on Each Eligible Basic Plan of Reward 3D# (% of Single Premium of Eligible Basic Plan of Reward 3D) | ||||||
Below USD500,000 | ||||||||
Below USD500,000 | Below RMB3,250,000 | Below HKD4,000,000 | 1%11 | |||||
USD500,000 - USD999,999 | ||||||||
USD500,000 - USD999,999 | RMB3,250,000– RMB6,499,999 | HKD4,000,000– HKD7,999,999 | 2%11 | |||||
USD1,000,000 or above | ||||||||
USD1,000,000 or above | RMB6,500,000 or above | HKD8,000,000 or above | 3%11 | |||||
11. For details of Reward 3D, please refer to the section of Reward 3D of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 4 – Exclusive Privilege for New Customers of Designated Employee Benefits Insurance Package Plans
Table 4
Exclusive Privilege for New Customers of Designated Employee Benefits Insurance Package Plans | ||
Designated Employee Benefits Insurance Package Plans | ||
Designated Employee Benefits Insurance Package Plans | - Axcellent Health Partner Employee Benefits Insurance Package Plan - CORProtect Employee Benefits Insurance Package Plan - Tailormade Group Medical Plan | |
Reward for each Eligible Policy of Reward 4#,12 | ||
Reward for each Eligible Policy of Reward 4#,12 | Reward for each Eligible Policy of Reward 4#,12 | |
Reward for each Eligible Policy of Reward 4#,12 | ||
Reward for each Eligible Policy of Reward 4#,12 | Brand new customers may be entitled to FORA Active Wireless plus (P30 plus BT)(Suggested Retail Price: HKD900) OR FORA Body Composition Analyzer W600 (Suggested Retail Price: HKD650) (Total AFYP of each Eligible Policy of Reward 4 must be HKD8,000 or above) | |
12. For details of Reward 4, please refer to the section of Reward 4 of the Terms and Conditions stated in the promotion leaflet .
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
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