Guaranteed renewal up to age 100¹
Annually refreshed benefit item limit with no lifetime benefit limit
No waiting period
Coverage for pre/post-confinement and day case procedure outpatient care
Coverage for local psychiatric treatment
Guaranteed renewal up to age 100¹
AXA WiseGuard Medical Insurance Plan opens 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 WiseGuard Medical Insurance Plan. Every policy year, you may claim up to the respective sub-limits and an annual benefit limit of HKD 420,000.
No waiting period
Your coverage 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.
Emma by AXA App and Portal* is your all-in-one insurance & health services platform, making your interactions with us easier and faster. You can now have our full support anytime, anywhere to keep your life always in check.
*Exclusive to Individual Life, Medical & Investment Policyholders
AXA BetterMe** is a holistic wellness platform with a comprehensive suite of programmes and services covering physical wellness support, mental wellbeing support and chronic disease management.
Access your personalised services under ‘My Privileges’ on Emma by AXA, and equip yourself to become stronger and more resilient, thus you can always get prepared and rise to any occasion with confidence and become a #BetterMe.
**Exclusive for Certain Eligible Policyholders
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.
| This is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”). | |
| Registered VHIS providers | AXA China Region Insurance Company (Bermuda) Limited / AXA China Region Insurance Company Limited |
| VHIS certification number | S00014-01-000-01 / S00033-01-000-01 |
| Type of certified plan | VHIS Standard Plan |
| 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 |
Semi-annual and monthly premiums of AXA 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.
Product brochure
Standard premium schedule
Tax Deduction Series Product Leaflet
Policy Terms and Conditions Specimen
AXA GI WiseGuard Medical Insurance Plan
In light of the continuing COVID-19 epidemic, we understand the utmost importance of safety and convenience for our customers. Both existing and new customers who are Hong Kong residents and currently in Hong Kong* can easily apply for AXA WiseGuard Medical Insurance Plan from home through the Digital Enrolment System.
Our Financial Consultants will explain to customers about the products and documents over the phone, and collect documents via electronic means such as WhatsApp or email. Alternatively, customers can also choose to submit their applications by mail to cater for their different needs. For details, please click here.
Request an appointment with a financial consultant
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
¹ 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 policy anniversary.
^ Smoker defines as someone who has smoking habit or have smoked in the past 12 months
* The Digital Enrolment System is applicable to customer who fulfills the following conditions:
• Customer should be a Hong Kong Identity Card holder
• Customer lives in Hong Kong and the application should be signed in Hong Kong
• The new application is not to replace any existing life policy(ies)
• The customer decides to apply for relevant products, and does not require the Financial Consultant to provide product recommendations
• Due to outbreak of COVID-19, customer prefers not to have face-to-face sales interview
• No supplementary benefits to be attached to the application
Information on this webpage is for reference only, and is not intended to be a complete description of the applicable terms and conditions. Please refer to the product brochure and policy contract for detailed terms and benefits. You should not purchase a policy based on the information on this website alone.
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