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AXA Health Concierge stands by you

From the burden of medical expenses to the stress of recovery, AXA Health Concierge is here to support you— safeguarding every step of your treatment journey and helping you face each challenge with peace of mind.

AXA Health Concierge stands by you

From the burden of medical expenses to the stress of recovery, AXA Health Concierge is here to support you— safeguarding every step of your treatment journey and helping you face each challenge with peace of mind.

Medical resources are becoming increasingly strained, are you truly prepared for the challenges ahead?

Healthcare demand has exceeded capacity, impacting the quality of medical services

In 2023-2024, the number of specialist outpatient (clinical) attendances in public hospitals surpassed 8 million¹ — putting pressure on service standards and diagnostic efficiency.

Waiting times has been continually extending, and patients may miss the optimal opportunity for treatment

The average waiting time for new stable case bookings at public hospitals' specialist outpatient clinics has increased from 27 to 44 weeks² — nearly a year. Some patients may wait up to 3.5 years³, compromising timely access to medical care.

The loss of healthcare professionals has further strained resources

Between 2022 & 2023, the public hospitals' doctor resignation rate increased by approximately 77%⁴, further straining healthcare resources and potentially affecting the quality of service.

Skip the Queue. Step onto the Fast Lane to Recovery.

    Life is full of uncertainties, and health is no exception. When illness strikes, it presents not only physical challenges but also raises questions about treatment and concerns span various aspects of life.

    At AXA, we recognize that genuine support extends beyond merely covering medical expenses — it involves being there for you throughout your recovery journey.

    That’s why our Health Concierge is dedicated to assisting you every step of the way, from expediting appointment bookings to providing thoughtful recovery support, allowing you to focus entirely on healing.

    We believe that prioritizing your health is the first step in safeguarding what matters to you.

    True Cases, Total Care16

    Looking for more options:

    Ms. Ng (alias), age 59, was diagnosed in Hong Kong with early-stage breast cancer - Ductal Carcinoma in Situ (DCIS) in her right breast.

    At that time, the treatment recommended by doctor was a full mastectomy. In her desire to preserve her breast, she faced challenges in finding suitable alternative.

    Seamless cross-border healthcare access:

    With support from AXA’s GBA Cancer Medical Concierge Service Network and dedicated case manager, Ms. Ng was able to get a second medical opinion and was referred to a Grade 3A hospital in the Greater Bay Area.

    New treatment solutions:

    On the day of her surgery, AXA arranged dedicated point-to-point transfer service17 to take Ms. Ng to the hospital. She underwent argon-helium cryoablation, a procedure that successfully preserved her breast.

    A closer look at the care journey

      Get Started Now!

      Enjoy priority access to AXA Health Concierge services by becoming an eligible insured of a designated medical protection — let us be the strong support that you and your loved ones can count on.

      Our commitment to your care

      In times of uncertainty, our protection remains steadfast

      In 2024, we paid out over HKD1.2 billion in individual medical claims, handling more than 73,000 cases18 — whenever you need us, AXA is here to safeguard your health.

      From early signs to serious illnesses – We are here with you

      In 2024, we paid HKD 84 million18 in medical claims related to colon polyps, helping you detect and manage early risks.

      Even when facing ongoing cancer treatment — for example, with the highest number of claims under a single policy reaching up to 61 times18 in the same year — AXA WiseGuard Pro Medical Insurance still maintained a payout ratio of up to 99%18,19 — because we believe that easing financial stress is key to helping you focus on your recovery.

      Always by your side – protecting what matters

      Our critical illness protection covers from rare childhood illnesses to severe dementias common among the elderly. We understand the pressure of long-term care — that’s why we are here to support you every step of the way and enable you to protect what matters.

      More Real Stories20

      69 Years old | Male

      Policyholder of AXA WiseGuard Pro Medical Insurance Plan

      Fast and reliable claims service — helping you focus on recovery

      “Thanks to the timely support from my financial advisor! I was able to focus on my treatment without worrying about anything else. The entire claims process went smoothly, with no hassles or delays.”

      51 Years old | Female

      Policyholder of Smart Medicare

      Standing by you in critical moments with swift support

      “After I was discharged, I submitted the receipts and medical report to my financial advisor. In just about 9 days, I received a notification that the insurance claim had been successfully paid.

      The claim was processed faster than expected, and the compensation amount was reasonable. This experience made me realize how essential it is to have medical and hospitalisation coverage — it provides a sense of security when the unexpected happens.”

      [Limited-time Offer]

      Successful enrollment in AXA's medical protection series can enjoy up to 6 months of premium refund*

      Other Protections that Cover You Always

      AXA WiseGuard Pro Medical Insurance Plan

      A Voluntary Health Insurance Scheme (VHIS) Flexi Plan which offers full cover²¹ for hospitalisation and surgical benefits, and provides cashless arrangement for 10,000+ healthcare facilities in the world.

      GlobalReach Medical Insurance Plan

      Select from 3 geographical areas of cover and 4 benefits levels, expertly tailored to your healthcare needs. No health declaration required, with guaranteed renewal up to age 100.

      Smart Medicare

      A Voluntary Health Insurance Scheme (VHIS) Flexi Plan offering 3 tailored benefit levels to give you full flexibility on coverage, with optional supplementary major medical cover.

      Discover more

      [Public hospital waiting times in Hong Kong] How long are surgical waiting lists and specialist outpatient queues? How can you access treatment faster?

      Remarks:

      Disclaimer:

      Want to talk to us?
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      By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.

      Please read and agree the above terms and conditions.
      Want to talk to us?
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      We can only discuss insurance matters with you when you are in HK.
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      Please read and agree the above terms and conditions.
      Reward 3D - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate

      Reward 3D of the Promotion provides customers an offer of guaranteed preferential interest rate of 4% 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% 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 3D

      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% per annum△,9

      △The guaranteed preferential interest rate of 4% 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 3D, please refer to the section of Reward 3D of the Terms and Conditions stated in the promotion leaflet.

      Max Goal II Insurance Plan Premium Discount

      Table 3E

      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 3E#

      (% of Single Premium of Eligible Basic Plan of Reward 3E)

      Below USD500,000

      Below USD500,000

      Below RMB3,250,000

      Below HKD4,000,000

      1%10

      USD500,000 - USD999,999

      USD500,000 - USD999,999

      RMB3,250,000– RMB6,499,999

      HKD4,000,000– HKD7,999,999

      2%10

      USD1,000,000 or above

      USD1,000,000 or above

      RMB6,500,000 or above

      HKD8,000,000 or above

      3%10

      10. For details of Reward 3E, please refer to the section of Reward 3E 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 – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund

      During the Promotion Period, if a customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, the customer may be entitled to premium refund on future premium(s).

       

      Table 3B

      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 3B#

      (% of the total AFYP of Eligible Policy of Reward 3B)

      Premium Refund Percentage on Each Eligible Policy of Reward 3B#

      (% of the total AFYP of Eligible Policy of Reward 3B)

      Premium Refund Percentage on Each Eligible Policy of Reward 3B#

      (% of the total AFYP of Eligible Policy of Reward 3B)

      5%7
      10%7
      7%7

      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 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 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).

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