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AXA WiseGuard Medical Insurance

VHIS Certified Plan

AXA WiseGuard Medical Insurance

VHIS Certified Plan

Who needs AXA WiseGuard Medical Insurance Plan?

AXA WiseGuard Medical Insurance Plan (WiseGuard) is an essential VHIS Standard Plan that meets the basic standardized features set forth by the government and more. Provided by one of the world’s largest insurers you can trust, this is an affordable plan dedicated to people who values private hospital care and quality medical coverage. From the young generation, newly minted professionals to retirees no longer receiving company benefits, all will benefit greatly from this VHIS plan.

Please click here for more details of VHIS certified plans.

Why Choose WiseGuard?

Renewal to age 1001 guaranteed

Since WiseGuard is a VHIS-certified Standard Plan, everyone aged between 14 days to 80 years old can take out a WiseGuard policy with the guarantee that they will be able to renew it until they turn 100 years old.

Coverage for pre/post-confinement and day case procedure

WiseGuard will reimburse eligible expenses you incur for seeking an outpatient consultation that results in you having to stay in the hospital or undergo a day case procedure on the spot.

No waiting period – coverage starts as soon as policy becomes effective

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.

Tax Savings – up to HKD8,000 annual tax-deductible limit

As WiseGuard is a VHIS-certified plan, you can enjoy a maximum annual tax deductible limit of HKD8,000 per insured person for qualified premiums for both yourself and your dependents.*

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

No lifetime benefit limit and annual reset of benefits

There is no lifetime benefit limit under WiseGuard and, as sub-limits get reset annually, you can claim up to HKD 420,000 per policy year, within the sub-limits stated in your policy.

Coverage for local psychiatric treatment

Your mind is just as important as your body. WiseGuard covers eligible expenses for psychiatric treatments during hospital confinement in Hong Kong, as recommended by a specialist.

Apply online now! It’s quicker and easier than you think.

Date of Birth

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Gender

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Female
Need more information on VHIS?

Numbers to call if you have any issues, queries, or complaints on VHIS

Essential Information on WiseGuard

Modal factor of premiums

Change of ownership of the policy

FAQs

1. If I am insured by AXA WiseGuard Medical Insurance Plan (“WiseGuard”), is there any ward class restriction during confinement?

2. Can I undergo more than one surgery in each hospitalisation?

3. Does WiseGuard offer outpatient benefit?

4. Is there any supplementary major medical (SMM) option for WiseGuard Medical?

5. After a couple of policy years, will I still be covered if I work overseas and admits to hospital there?

Find out more about our VHIS products and offers

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Promotions & Programmes

Get More from Your WiseGuard Insurance

WiseGuard policyholders can now access our AXA BetterMe services for smarter, healthier living.

Accessible via the Emma by AXA app, AXA BetterMe is a holistic wellness platform offering services that help you learn about your health conditions, set up work out challenges, virtual therapies and mindfulness classes and more. The ultimate goal is to help enhance your physical and mental wellbeing.

Download EMMA by AXA app now (for free) and find out what you can do to spend less, enjoy life more and get closer to becoming your #BetterMe.

"Cashless Arrangement" for OGD and/or colonoscopy for WiseGuard and Smart Medicare policyholders

This means eligible VHIS Insured won’t need to settle their bills upfront or submit claim forms to get reimbursed for these treatments. Performed at our designated network day case procedure centres, OGD and Colonoscopy can be done on the same day.

Meet our Financial Consultant via virtual appointment!

Experience our seamless digital enrollment platform! Meet, buy, sign, pay and upload documents safely from the comfort of your home. 

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

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Find out more about our VHIS products and offers

Remarks

Disclaimer

Want to talk to us?
Please input correct information.
We can only discuss insurance matters with you when you are in HK.
Please input correct information.
Please input correct information.
Maximum 250 characters
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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.

Want to talk to us?
Please input correct information.
We can only discuss insurance matters with you when you are in HK.
Please input correct information.
Please input correct information.
Maximum 250 characters
*Required

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.