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.

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.

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.

Certified by the HKSAR, eligible plans under VHIS allow policy holders to enjoy tax deductions for premiums for themselves and all specified dependent(s). Each taxpayer can enjoy a maximum tax deductible limit of HKD8,000 for qualifying VHIS premiums paid for each insured person.

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.

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.