Enjoy up to 7 months’ premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
Who needs WiseGuard Pro?
AXA WiseGuard Pro Medical Insurance Plan (“WiseGuard Pro”) is a Voluntary Health Insurance Scheme (“VHIS”) Flexi Plan designed for people who need all-inclusive medical coverage without lifetime benefit limit. Going beyond standard VHIS benefits, WiseGuard Pro offers a wide range of premium features to give you comprehensive and flexible protection anywhere in Greater China, Asia or worldwide exclude USA. Please click here for more details of VHIS certified plans.
WiseGuard Pro is the only VHIS plan in the market that achieved a perfect score of 10Life Medical Coverage for all three ward classes with 100% average coverage*, also received various awards and accolades, including:
Why choose WiseGuard Pro?
Going beyond VHIS benefits, WiseGuard Pro offers flexible benefit level options to give you the best protection possible. Two benefit levels are available online: "Regular" benefit level is a general ward plan with HKD 5 million annual benefit limit and no lifetime benefit limit; "Enhance" benefit level is a semi-private room plan with offering HKD 25 million annual benefit limit and no lifetime benefit limit.
Standard VHIS features
- No waiting period - Your coverage starts as soon as your policy becomes effective.
- Unknown pre-existing condition - yes, we cover pre-existing conditions – those that you don’t know you have at the time of application!
- Savings on tax - enjoy a maximum annual tax deductible limit of HKD 8,000^ per insured person!
- Guaranteed renewal up to age 1006 - with VHIS, your renewal is guaranteed until you are 100 years old.
Check out the videos below to learn how our WiseGuard Pro is the best choice for a comprehensive health protection.
Need more information on VHIS?
Numbers to call if you have any issues, queries, or complaints on VHIS
VHIS: Essential information
Modal factor of premiums
Change of ownership of the policy
Download Product Information Here
FAQs
1. If i am insured by AXA WiseGuard Pro Medical Insurance Plan (“WiseGuard Pro”), is there any ward class restriction during confinement?
2. Is there no waiting period for all pre-existing condition(s) and customers will be able to claim according to the benefit limit after the policy is effective?
3. Does WiseGuard Pro offer outpatient benefit?
4. How many times can an insured person claim for cancer treatment or dialysis treatment?
5. After a couple of policy years, will I still be covered if I work overseas and admits to hospital there?
Find out more about our VHIS products and offers
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- Covers over 450 surgical procedures via four surgical procedure levels – referencing Voluntary Health Insurance Scheme (“VHIS”)’s classifications
- Lump-sum benefit whenever a surgery is needed to treat your illness
- Guaranteed renewal up to age 100
- Companion Benefit and Compassionate Death Benefit
Promotions & Programmes
Get More from Your WiseGuard Pro Insurance
WiseGuard Pro policyholders can now access our AXA BetterMe services for smarter, healthier living
Accessible via the AXA app, AXA BetterMe is a holistic wellness platform that makes it easy for you to 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.
Enjoy up to
7 Months’ Premium Refund
AXA “Stand by You” Programme
Exclusive 20% Rebate for WiseGuard Pro
AXA Goal - walk 10,000 steps for 250 days in a year to enjoy up to 20% premium rebate
Meet our Financial Consultant via virtual appointment and get a HKD100 HKTVmall eGift Voucher+!
Experience our seamless digital enrollment platform! Meet, buy, sign, pay and upload documents safely from the comfort of your home.
Valid until 30 June 2022
+Terms and conditions apply
Meet a Consultant
Request an appointment with a financial consultant
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
Disclaimer
Reward 1B and 1C – AXA WiseGuard Pro Medical Insurance Plan Premium Refund and Additional Offer
You may enjoy up to 7 months’ premium refund on the Designated AXA WiseGuard Pro Policy applied successfully during Promotion Period, including basic reward of 4 months' premium refund and additional reward of 3 months' premium refund, subject to the terms and conditions of Reward 1B and 1C4,5,6. The promotion details are shown as below:
Table 1B and 1C
Reward 1B AXA WiseGuard Pro Medical Insurance Plan Premium Refund | Reward 1C New application during Promotion Period | Reward 1C An in-force policy on 24 April 2022 | |||||||
Designated Basic Plan/Supplement | |||||||||
Designated Basic Plan/Supplement | AXA WiseGuard Pro Medical Insurance Plan | AXA WiseGuard Pro Medical Insurance Plan (customer is named as the insured person of above policies) | + |
| |||||
Premium Refund on Each Eligible Basic Plan/Eligible Supplement of Reward 1B/Reward 1C# | |||||||||
Premium Refund on Each Eligible Basic Plan/Eligible Supplement of Reward 1B/Reward 1C# | 4 months4(Reward 1B) | 3 months5,6(Reward 1C) | |||||||
Total Premium Refund of Reward 1B and Reward 1C | |||||||||
Total Premium Refund of Reward 1B and Reward 1C | 7 months4,5,6 | ||||||||
4. For details of Reward 1B, please refer to clauses 1 to 4 under Reward 1B of the Terms and Conditions stated in the promotion leaflet.
5. For details of Reward 1C, please refer to clauses 1 to 7 under Reward 1C of the Terms and Conditions stated in this promotion leaflet.
6. Customer is only entitled to a maximum of 7 months’ premium refund on each AXA WiseGuard Pro Medical Insurance Plan under Reward 1B and 1C.
# Please refer to the Terms and Conditions stated in this promotion leaflet for the definition(s).
Wiseguard Pro’s standard private room plan received a <Five Star Rating> and a <10/10 score> on 10Life Medical Coverage*
Wiseguard Pro’s semi-private room plan received a <Five Star Rating> and a <10/10 score> on 10Life Medical Coverage*
Wiseguard Pro’s ward room plan received a <Five Star Rating> and a <10/10 score> on 10Life Medical Coverage*
“VHIS - Best in Class” from BENCHMARK Wealth Management Awards 2020
"Healthcare Product - Best in Class" from BENCHMARK Wealth Management Awards 2020
“Best VHIS Product” from iMoney Magazine’s Insurance Excellence Awards 2020
WiseGuard Pro is the only VHIS plan in the market that achieved a perfect score of 10Life Medical Coverage for all three ward classes with 100% average coverage*, also received various awards and accolades, including:
WiseGuard Pro is an individual indemnity hospital insurance plan certified under the VHIS. | |
Registered VHIS provider | |
Registered VHIS provider | AXA China Region Insurance Company (Bermuda) Limited |
VHIS provider registration no. | |
VHIS provider registration no. | 00014 (Registration effective date: 28 February 2019) |
Type of certified plan | |
Type of certified plan | VHIS Flexi 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.hk or seek independent tax advice.
Benefit level | VHIS certification number | |||||
Deductible | ||||||
Deductible | ||||||
Deductible | HKD 0 | HKD 20,000 | HKD 50,000 | USD 0 | USD 2,500 | USD 6,250 |
Regular | ||||||
Regular | F00034-01-000-03 | F00034-02-000-03 | F00034-03-000-03 | F00034-10-000-03 | F00034-11-000-03 | F00034-12-000-03 |
Enhance | ||||||
Enhance | F00034-04-000-03 | F00034-05-000-03 | F00034-06-000-03 | F00034-13-000-03 | F00034-14-000-03 | F00034-15-000-03 |
Premier | ||||||
Premier | F00034-07-000-03 | F00034-08-000-03 | F00034-09-000-03 | F00034-16-000-03 | F00034-17-000-03 | F00034-18-000-03 |
Noble | ||||||
Noble | F00034-19-000-01 | F00034-20-000-01 | F00034-21-000-01 | F00034-22-000-01 | F00034-23-000-01 | F00034-24-000-01 |
Meet our Financial Consultant via virtual appointment and get a HKD100 HKTVmall eGift Voucher+!
Experience our seamless digital enrollment platform! Meet, buy, sign, pay and upload documents safely from the comfort of your home.
Valid until 30 June 2022
+Terms and conditions apply
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