Jan - Mar 2026
Spring is the season of renewal, offering a perfect opportunity to plan protection for yourself and your loved ones. AXA supports you at different stages of life with a wide selection of products, including health and critical illness, tax deduction and savings, helping you create a brighter future.
We are pleased to present you the AXA “2026 Spring Rewards” Programme. From 1 January 2026 to 31 March 2026, both dates inclusive (the “Promotion Period”), if you successfully apply for any new designated basic plans / supplements/ qualifying deferred annuity policy1 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
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 Premium Refund
During the Promotion Period, if a customer successfully submits an application for a basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated AXA WiseGuard Pro Policy”), the customer may be entitled to 6 months’ premium refund on such policy.
Table 1A
AXA WiseGuard Pro Medical Insurance Plan Premium Refund | |
Designated Basic Plan/Supplement | |
Designated Basic Plan/Supplement | AXA WiseGuard Pro Medical Insurance Plan |
Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |
Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | 6 months3 |
Refer your family members and friends to enjoy a total premium refund of up to 12 months!
If you and your family members / friends successfully apply for the basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan and participate in the AXA "Family and Friends Reward" Programme and meet the specified requirements, you and your family members / friends may also be entitled to up to 6 months’ premium refund on such basic plan / supplement. It is subject to relevant terms and conditions as set out in the AXA “Family and Friends Reward” Programme leaflet. For details, please refer to the relevant programme leaflet. Act now to seize this 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, may be entitled to 2 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# | |
Premium Refund on Each Eligible Basic Plan of Reward 1B# | ||
Premium Refund on Each Eligible Basic Plan of Reward 1B# | 2 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 1B – 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 1B
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 1B# (% of the Annual Premium of Eligible Basic Plan of Reward 1B+) | ||
Premium Discount Percentage on each Eligible Basic Plan of Reward 1B# (% of the Annual Premium of Eligible Basic Plan of Reward 1B+) | 5%4 | |
+ Customer who has paid in full the amount of annual premium of the basic plan with levy payable by the customer less the Reward 1B (as defined below) for each policy year during the premium payment term. If customer’s policy is an Eligible Basic Plan of Reward 1B, 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 1B by premium discount percentage stated in Table 1B above (the “Reward 1B”) to customer’s Eligible Basic Plan of Reward 1B 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.
Refer your family members and friends to enjoy more reward!
If you and your family members / friends successfully apply for the basic plan of IncomeBliss Deferred Annuity Plan and participate in the AXA "Family and Friends Reward" Programme and meet the specified requirements, you and your family members / friends may be entitled to up to HKD3,000 gift voucher. It is subject to relevant terms and conditions as set out in the AXA “Family and Friends Reward” Programme leaflet. For details, please refer to the relevant programme leaflet. Act now to seize this offer!
For more information, please refer to www.ird.gov.hk or seek independent tax advice.
4. For details of Reward 1B, please refer to 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 2A – Designated Critical Illness Products Premium Refund
Table 2A
Designated Critical Illness Products Premium Refund | ||||||
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Basic Premium Refund of Reward 2A | |||||
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | 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 | ||||
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Premium Payment Term | 10 years | 15 years | 20 years | 25 years | |
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Premium Refund on Each Eligible Basic Plan of Reward 2A# | 2 months5 | 2 months5 | 3 months5 | 3 months5 | |
5. 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 – WealthAhead II Savings Insurance Series Premium Refund
During the Promotion Period, if a customer successfully submits an application for a basic plan and supplement(s) (if applicable) of WealthAhead II Savings Insurance - Prime / WealthAhead II Savings Insurance - Supreme (each a "Designated WealthAhead II Series Policy”), the customer may be entitled to up to 28% basic premium refund6 on future premium(s) of such policy.
What is more? During the Promotion Period, if a customer also successfully submits an application for any of the following Designated Medical and Critical Illness Plan and all the relevant policies are held by the same policy owner, the customer may be entitled to 3% extra premium refund6 on future premium(s) on the Designated WealthAhead II Series Policy.
Designated Medical and Critical Illness Plan:
• AXA WiseGuard Pro Medical Insurance Plan (basic plan / supplement)
• GlobalReach Medical Insurance Plan
• TotalAssure Critical Illness Plan / TotalAssure Critical Illness Plan – Baby Pro
• TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – Baby Pro
For details of Reward 3A, please refer to the promotion leaflet.
6. 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 – WealthAhead II Savings Insurance Series New Year Limited Time Reward
From 1 January 2026 to 28 February 2026, both dates inclusive, if a customer successfully submits an application for a Designated WealthAhead II Series Policy, the customer may also be entitled to up to HKD18,888 premium refund7 on future premium(s) of such policy in addition to Reward 3A.
For details of Reward 3B, please refer to the promotion leaflet.
7. For details of Reward 3B, please refer to the section of Reward 3B 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 3C – 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 3C
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 3C# (% of the total AFYP of Eligible Policy of Reward 3C) | |||||
Premium Refund Percentage on Each Eligible Policy of Reward 3C# (% of the total AFYP of Eligible Policy of Reward 3C) | Premium Refund Percentage on Each Eligible Policy of Reward 3C# (% of the total AFYP of Eligible Policy of Reward 3C) | 5%8 | 10%8 | 7%8 | |
8. For details of Reward 3C, please refer to the section of reward 3C 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 3D – FortuneXtra Savings Plan Premium Refund
During the promotion period, if a customer successfully submits an application 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 24% premium refund9 on future premium(s) of such policy.
For details of Reward 3D, please refer to the promotion leaflet.
9. 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 3E - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3E 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 3E
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△,10 |
△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.
10. For details of Reward 3E, please refer to the section of Reward 3E 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 existing customer may be entitled to 5% 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) | 5%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 3F
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 3F# (% of Single Premium of Eligible Basic Plan of Reward 3F) | ||||||
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 3F, please refer to the section of Reward 3F 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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