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AXA WiseGuard Medical Insurance Plan

AXA WiseGuard Medical Insurance Plan

A Voluntary Health Insurance Scheme (“VHIS”) standard plan that covers your essential medical needs, protect you against the uncertainty.

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Gender

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Smoking HabitSmoker defines as someone who has smoking habit or have smoked in the past 12 months

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Product Features

Guaranteed renewal up to age 100¹

AXA WiseGuard Medical Insurance Plan (“WiseGuard Medical”) is open to everyone aged between 14 days and 80 years old. Renewal is guaranteed up to the age of 100¹.

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.

No waiting period

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.

Tax Saving

Certified by the government of the Hong Kong Special Administrative Region under VHIS, WiseGuard Medical allows policy holders to enjoy tax deductions for premiums for themselves and all specified dependent(s). Each taxpayer can enjoy a maximum annual tax deductible limit of HKD8,000 for qualifying VHIS premiums paid for each insured person.

Annually refreshed benefit item limit with no lifetime benefit limit

There is no lifetime benefit limit under WiseGuard Medical. Every year, you may claim up to the respective sub-limits and an annual benefit limit as stated in the policy contract.

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.

VHIS information

Enquiries and complaints handling about VHIS

VHIS: Essential Information

Modal factor of premiums

Change of ownership of the policy

Find out more about our VHIS products and offers

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Enjoy up to

12 Months' Premium Refund

SurgiCare Surgical Insurance Plan

Catering to your surgical needs and more, AXA’s SurgiCare Surgical Insurance Plan brings you lump-sum benefits based on four clean-cut surgical procedure levels, covering your surgical uncertainties in a straight-forward way regardless of illness definitions.

  • Covers over 450 surgical procedures via four surgical procedure levels – referencing Voluntary Health Insurance Scheme (“VHIS”)’s classifications
  • Lump-sum benefit whenever a surgery is needed to treat your illness
  • Guaranteed renewal up to age 100
  • Companion Benefit and Compassionate Death Benefit

Promotions & Programmes

Discover AXA BetterMe services & offers

AXA BetterMe** is a holistic wellness platform with a comprehensive suite of programmes and services covering physical wellness support, mental wellbeing support and 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

Cashless arrangement for Oesophagogastroduodenoscopy and/or Colonoscopy
Digital Enrolment Process for easier access to insurance protection from home

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.

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.
Please note our financial consultants will only be able to arrange appointment booking if you are not yet physically in HK
Please input correct information.
Maximum 250 characters
Please input correct information.
*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.

Want to talk to us?
Please input correct information.
Please note our financial consultants will only be able to arrange appointment booking if you are not yet physically 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.