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.

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.

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.

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.

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.