Product Features

 

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

Guaranteed renewal up to age 100¹

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.

Annually refreshed benefit item limit with no lifetime benefit limit

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.

No waiting period

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.

Coverage for pre/post-confinement and day case procedure outpatient care

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.

Coverage for local psychiatric treatment

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.

Help us to know you better for an accurate quote

Help us to know you better for an accurate quote

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This is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”).
Registered VHIS providersAXA China Region Insurance Company (Bermuda) Limited / AXA China Region Insurance Company Limited
VHIS certification numberS00014-01-000-01 / S00033-01-000-01
Type of certified planVHIS 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.

Enquiries and complaints handling about VHIS

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.

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Product brochure

Standard premium schedule   

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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