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
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.
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.
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.
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.
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.
| 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 |
Modal factor of premiums
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.
Please contact the following channels on respective enquiries:
AXA customer service
Please contact us here to lodge your enquiries or complaints.
Product availability, features of certified plan and compliance with VHIS code of practice
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.
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.
*Proposed Insured must be the Proposed Owner
^ Smoker defines as someone who has smoking habit or have smoked in the past 12 months
Disclaimer
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 conditions. You should not purchase a policy based on the information on this website alone.
