Who needs AXA WiseGuard Medical Insurance Plan?
AXA WiseGuard Medical Insurance Plan (WiseGuard) is an essential VHIS Standard Plan that meets the basic standardized features set forth by the government and more. Provided by one of the world’s largest insurers you can trust, this is an affordable plan dedicated to people who values private hospital care and quality medical coverage. From the young generation, newly minted professionals to retirees no longer receiving company benefits, all will benefit greatly from this VHIS plan.
Please click here for more details of VHIS certified plans.
Why Choose WiseGuard?
Need more information on VHIS?
Numbers to call if you have any issues, queries, or complaints on VHIS
We are always happy to help and answer questions. Here are who you can reach for different enquiries:
AXA customer service
Call us here to make enquiries or lodge complaints.
VHIS product compliance rules
Click here to contact Health Bureau.
General conduct of insurance companies and intermediaries
Click here to contact Insurance Authority.
Tax deduction
Click here to contact Inland Revenue Department
Essential Information on WiseGuard
WiseGuard is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”) of the Hong Kong Government. | ||
Registered VHIS providers | ||
Registered VHIS providers | AXA China Region Insurance Company (Hong Kong) Limited | AXA China Region Insurance Company Limited |
VHIS providers registration no. | ||
VHIS providers registration no. | 00014 (Registration effective date: | 00033 (Registration effective date: |
VHIS certification number | ||
VHIS certification number | S00014-01-000-03 | S00033-01-000-02 |
Type of certified plan | ||
Type of certified plan | VHIS Standard Plan | |
Eligible tax deduction amount* | ||
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 | |
* For more information, please refer to www.ird.gov or seek independent tax advice.
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.
Change of ownership of the policy
Subject to the approval of AXA at its discretion, the policy holder may transfer the ownership of the policy. We shall consider application of transfer of ownership at the time of policy renewal without any administration charge on the policy holder or transferee.
Please refer to the Policy Terms and Conditions and contact your financial consultant for the details.
Download product information here
FAQs
1. If I am insured by AXA WiseGuard Medical Insurance Plan (“WiseGuard”), is there any ward class restriction during confinement?
There is no restriction for ward class. Please note that the benefit limit for room and board is HKD750 per day with maximum 180 days per policy year.
2. Can I undergo more than one surgery in each hospitalisation?
Yes. The surgeon’s fee, anaesthetist's fee and operating theatre charges of each surgery will be subject to surgical category for the surgery in the schedule of surgical procedures and each benefit limit.
3. Does WiseGuard offer outpatient benefit?
Yes, WiseGuard provides coverage for pre- and post-confinement/ day case procedure outpatient care up to a limit per visit and subject to an annual limit, but general outpatient consultation is not covered.
4. Is there any supplementary major medical (SMM) option for WiseGuard Medical?
No, there is no SMM option under this plan.
5. After a couple of policy years, will I still be covered if I work overseas and admits to hospital there?
Except for psychiatric treatment, all benefit items covered under WiseGuard shall be applicable worldwide.
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WiseGuard policyholders can now access our AXA BetterMe services for smarter, healthier living.
Accessible via the Emma by AXA app, AXA BetterMe is a holistic wellness platform offering services that help you learn about your health conditions, set up work out challenges, virtual therapies and mindfulness classes and more. The ultimate goal is to help enhance your physical and mental wellbeing.
Download EMMA by AXA app now (for free) and find out what you can do to spend less, enjoy life more and get closer to becoming your #BetterMe.
"Cashless Arrangement" for OGD and/or colonoscopy for WiseGuard and Smart Medicare policyholders
This means eligible VHIS Insured won’t need to settle their bills upfront or submit claim forms to get reimbursed for these treatments. Performed at our designated network day case procedure centres, OGD and Colonoscopy can be done on the same day.
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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
Get a Quote
Find out more about our VHIS products and offers
Remarks
- 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.
* 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
Disclaimer
The plan is subject to the terms, conditions and exclusions of the relevant policy contract. AXA reserves the final right to approve any application. This webpage contains general information only and does not constitute any contract between any parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the plan, please refer to the relevant policy provisions, which will be made available by the Company upon request and can be downloaded from this website.
WiseGuard is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”) of the Hong Kong Government. | ||
Registered VHIS providers | ||
Registered VHIS providers | AXA China Region Insurance Company (Hong Kong) Limited | AXA China Region Insurance Company Limited |
VHIS providers registration no. | ||
VHIS providers registration no. | 00014 (Registration effective date: | 00033 (Registration effective date: |
VHIS certification number | ||
VHIS certification number | S00014-01-000-03 | S00033-01-000-02 |
Type of certified plan | ||
Type of certified plan | VHIS Standard Plan | |
Eligible tax deduction amount* | ||
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 | |
* For more information, please refer to www.ird.gov or seek independent tax advice.
Prepay your medical insurance premium for a guaranteed return
MediEnhancer Supplement not only promises you steady guaranteed returns, but supports you in coping with ever-rising medical costs.
Enrol now!
* Terms and conditions apply.
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