^ The premiums are calculated with reference to a number of factors including but not limited to the gender, residency and risk class of the insured person at the time of policy issuance. Premiums are not guaranteed and may be changed by the Company at any of the policy anniversaries. The premiums and benefits shown above are based on AXA WiseGuard Medical Insurance Plan; Regular benefit level of Smart Medicare; Regular / Enhance benefit level and HKD20,000 annual deductible for AXA Wiseguard Pro Medical Insurance Plan. The premiums displayed above are for basic plan and are calculated based on insured person with residency in Hong Kong or Macau. The premiums calculated are for reference only and the actual amount may be different from those illustrated. For product details, please refer to the relevant proposals, product brochures and policy contracts. Age selected shall be based on the age of the insured person on his or her last birthday. All premiums shown above are calculated based on basic plan and a 18-year-old non-smoking male insured person and residency in Hong Kong or Macau. Levy collected by the Insurance Authority is not yet reflected on above premiums. The above medical insurance products are underwritten by AXA China Region Insurance Company (Hong Kong) Limited / AXA China Region Insurance Company Limited (collectively, the “Company”).