Enjoy up to 8 months’ premium refund *!
Selected Customers purchase TotalAssure Series can enjoy extra 50% sum insured for the first 20 policy years#.
*Terms and conditions of this promotion apply. For details, please refer to the below promotion leaflet.
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 5-Star rating of 10Life Medical Coverage for all three ward classes with no lifetime benefit limit, 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.
Through our Taxbliss calculator, you can gain a deeper understanding of how WiseGuard Pro safeguards your health, while also providing tax deductions.
In the face of increasingly severe health risks, AXA continues to optimize and enhance the coverage of medical and critical illness products, comprehensively covering the needs of customers at different stages of life. Let's go through 2024’s claims data and case study to discover how AXA delivers on its promise of "continuous protection" for you!
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
Starting at HKD 8/Day7 only
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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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
8 Months’ Premium Refund
AXA “2025 Autumn Rewards” 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!
Experience our seamless digital enrollment platform! Meet, buy, sign, pay and upload documents safely from the comfort of your home.
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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
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Find out more about our VHIS products and offers
Remarks
Disclaimer
Reward 3C - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3C of the Promotion provides customers an offer of guaranteed preferential interest rate of 4.5% per annum△ on the prepaid amount for the 1st policy year.
To enjoy this offer, simply opt for lump sum payment arrangement and pay a lump sum payment with levy at the time of application of your Max Wealth Insurance Plan. The lump sum payment with levy to be applied as follows:
(i) pay for annual premium of the 1st policy year and the corresponding levy ; and
(ii) deposit fund in advance into the future premium deposit account for premium payment of the 2nd policy year (“Prepaid Amount”) and the corresponding levy. The Prepaid Amount will accumulate interest in the 1st policy year at a guaranteed preferential interest rate of 4.5% per annum in the future premium deposit account. At the end of the 1st policy year, the interest accrued will be credited to the future premium deposit account, and the Prepaid Amount and its accrued interest will be equal to the annual premium of the 2nd policy year and will be automatically deducted from the future premium deposit account to settle the annual premium for the 2nd policy year and the corresponding levy when due.
Table 3C
Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate | |
Designated Basic Plan | |
Designated Basic Plan | Max Wealth Insurance Plan ^ |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | 4.5% per annum△,9 |
“First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers
If a customer (i) is a holder of and / or an insured under a basic plan of Max Wealth Insurance Plan and (ii) successfully applies for a TotalAssure Critical Illness Plan / TotalAssure Plus Critical Illness Plan within the Promotion Period, the customer may be entitled to the “First 10 Years TotalAssure Coverage Benefit” , subject to relevant terms and conditions as set out in the leaflet for the “First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers. For details, please refer to the relevant programme leaflet. Act now to seize this limited offer!
△The guaranteed preferential interest rate of 4.5% per annum is applicable to the Prepaid Amount only.
^ Only applicable to Max Wealth Insurance Plan with the Lump Sum Payment arrangement selected.
9. For details of Reward 3C, please refer to the section of Reward 3C of the Terms and Conditions stated in the promotion leaflet.
Max Goal II Insurance Plan Premium Discount
Table 3D
Max Goal II Insurance Plan Premium Discount | ||||||||
Designated Basic Plan | ||||||||
Designated Basic Plan | Designated Basic Plan | Max Goal II Insurance Plan | ||||||
Single Premium of Designated Basic Plan | ||||||||
Single Premium of Designated Basic Plan | Single Premium of Designated Basic Plan | Premium Discount Percentage on Each Eligible Basic Plan of Reward 3D# (% of Single Premium of Eligible Basic Plan of Reward 3D) | ||||||
Below USD500,000 | ||||||||
Below USD500,000 | Below RMB3,250,000 | Below HKD4,000,000 | 1%11 | |||||
USD500,000 - USD999,999 | ||||||||
USD500,000 - USD999,999 | RMB3,250,000– RMB6,499,999 | HKD4,000,000– HKD7,999,999 | 2%11 | |||||
USD1,000,000 or above | ||||||||
USD1,000,000 or above | RMB6,500,000 or above | HKD8,000,000 or above | 3%11 | |||||
11. For details of Reward 3D, please refer to the section of Reward 3D of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 3A – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund
During the Promotion Period, if customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, customer may be entitled to premium refund on future premium(s).
Table 3A
Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan Premium Refund | |||||
Designated Basic Plans | |||||
Designated Basic Plans | Designated Basic Plans | Wealth Advance Savings Series II – Ultimate | Wealth Ultra Savings Plan | ||
Premium Payment Term | |||||
Premium Payment Term | Premium Payment Term | 5 years | 10 years | 8 years | |
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | |||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | USD5,000 or above | |||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | |||||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | 5%7 | 10%7 | 7%7 | |
7. For details of Reward 3A, please refer to the section of reward 3A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 2A – Designated Critical Illness Products Premium Refund
Table 2A
Designated Critical Illness Products Premium Refund | ||||
Designated Basic Plans | ||||
Designated Basic Plans | - TotalAssure Critical Illness Plan - TotalAssure Critical Illness Plan – Baby Pro - TotalAssure Plus Critical Illness Plan - TotalAssure Plus Critical Illness Plan – Baby Pro | |||
Premium Payment Term | ||||
Premium Payment Term | 10 years | 15 years | 20 years | 25 years |
Premium Refund on Each Eligible Basic Plan of Reward 2A# | ||||
Premium Refund on Each Eligible Basic Plan of Reward 2A# | 2 months6 | 2 months6 | 3 months6 | 3 months6 |
6. For details of Reward 2A, please refer to the section of Reward 2A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
“5-Star High End Medical Insurance Award” from 10Life 5-Star Insurance Award 2025
“5-Star VHIS Award” from 10Life 5-Star Insurance Award 2025
“Excellent Brand of Voluntary Health Insurance Scheme” from Metro Finance’s “Hong Kong Leaders' Choice 2024”
“Outstanding Voluntary Health Insurance Scheme Award” from Metro Finance’s “GBA Insurance Awards 2024– Hong Kong & Macau Region”
WiseGuard Pro is the only* VHIS plan in the market that achieved 5-Star rating of 10Life Medical Coverage for all three ward classes with no lifetime benefit limit, 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 | F00034-01-000-04 | F00034-02-000-04 | F00034-03-000-04 | F00034-10-000-04 | F00034-11-000-04 | F00034-12-000-04 |
Enhance | ||||||
Enhance | F00034-04-000-04 | F00034-05-000-04 | F00034-06-000-04 | F00034-13-000-04 | F00034-14-000-04 | F00034-15-000-04 |
Premier | ||||||
Premier | F00034-07-000-04 | F00034-08-000-04 | F00034-09-000-04 | F00034-16-000-04 | F00034-17-000-04 | F00034-18-000-04 |
Noble | ||||||
Noble | F00034-19-000-02 | F00034-20-000-02 | F00034-21-000-02 | F00034-22-000-02 | F00034-23-000-02 | F00034-24-000-02 |
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.
Meet our Financial Consultant via virtual appointment!
Experience our seamless digital enrollment platform! Meet, buy, sign, pay and upload documents safely from the comfort of your home.
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