AXA GI WiseGuard Medical Insurance Plan

Product Features

Guaranteed renewal up to age 100¹

AXA GI WiseGuard Medical Insurance Plan is open to everyone aged between 14 days and 80 years old. Renewal is guaranteed up to the age of 100¹.

Annually refreshed benefit item limit with no lifetime benefit limit

There is no lifetime benefit limit under AXA GI WiseGuard Medical Insurance Plan. Every year, you may claim up to the respective sub-limits and an annual benefit limit as stated in the policy contract.

No waiting period

Your coverage for declared and non-excluded conditions starts as soon as your policy becomes effective. If you have a pre-existing condition that you were not aware of at the time you applied for your policy, your eligible expenses will be reimbursed in a sliding scale as stated in the relevant product brochure.

Coverage for pre/post-confinement and day case procedure outpatient care

We will reimburse your eligible expenses for outpatient visit or emergency consultation resulting in confinement or day case procedure up to a limit per visit and subject to an annual limit.

Coverage for local psychiatric treatment

If you are afflicted with a mental illness, you may be covered for the eligible expenses charged on the psychiatric treatments during confinement in Hong Kong as recommended by a specialist.

VHIS information

Enquiries and complaints handling about VHIS

Please contact the following channels on respective enquiries:

AXA customer service
Please contact us here to lodge your enquiries or complaints.

Product compliance rules of VHIS
Please click here to contact Food and Health Bureau.

General conduct of insurance companies and intermediaries
Please click here to contact Insurance Authority.

Tax deduction
Please click here to contact Inland Revenue Department.

VHIS: Essential Information

	This is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”).
	Registered VHIS provider
Registered VHIS provider	AXA General Insurance Hong Kong Limited
	VHIS provider registration no.
VHIS provider registration no.	00038 (Registration effective date: 17 July 2019)
	VHIS certification number
VHIS certification number	S00038-01-000-02
	Type of certified plan
Type of certified plan	VHIS Standard Plan
	Eligible tax deduction amount*
Eligible tax deduction amount*	A taxpayer is allowed a maximum annual deduction of HKD8,000 in respect of qualifying premiums paid for each insured person

*For more information, please refer to www.ird.gov.hk or seek independent tax advice.

Modal factor of premiums

Semi-annual and monthly premiums of AXA GI WiseGuard Medical Insurance Plan are calculated by multiplying the annual premium by the applicable modal factor. The modal factor for a basic plan is 0.52 (semi-annual) or 0.09 (monthly). The modal factor for a rider plan is 0.5 / 0.52 (semi-annual) or 0.083334 / 0.09 (monthly), following its basic plan.

Change of ownership of the policy

Subject to the approval of AXA at its discretion, the policy holder may transfer the ownership of the policy. We shall consider application of transfer of ownership at the time of policy renewal without any administration charge on the policy holder or transferee.

Please refer to the Policy Terms and Conditions and contact your financial consultant for the details.

Migrate to Standard Plans or Flexi Plans (“Certified Plans”) to enjoy VHIS's benefits

Already owned an individual hospital insurance policy? Don’t worry. You can opt to switch your existing hospital insurance policy to VHIS Certified Plans (re-underwriting maybe required). So that you won’t miss out on the benefits of VHIS. For details of the terms and benefits, please refer to the Voluntary Health Insurance Scheme certified plan policy template.

Download

AXA GI WiseGuard Medical Insurance Plan Product Brochure

PDF 1.4 MB

Download

AXA GI WiseGuard Medical Insurance Plan Standard Premium Schedule

PDF 117.5 KB

AXA GI WiseGuard Medical Insurance Plan Policy Terms and Conditions Specimen

Promotions

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Meet a Consultant

Request an appointment with a financial consultant

Contact AXA

Customer Hotline	(852) 2802 2812
VHIS Hotline	(852) 2894 4758
Business hour	Monday - Friday: 09:00 - 17:30
	Saturday: 09:00 - 13:00
	Except Public Holidays

Remarks

Subject to the terms and benefits of the policy contract, you have a guaranteed right to renew the policy by making payment of the prevailing premium on each renewal date.

Disclaimer

The plan is subject to the terms, conditions and exclusions of the relevant policy contract. AXA reserves the final right to approve any application. This webpage contains general information only and does not constitute any contract between any parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the plan, please refer to the relevant policy provisions, which will be made available by the Company upon request and can be downloaded from this website.

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