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.

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 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.

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.

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.

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.