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.

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.

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 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.

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.

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.