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AXA WiseGuard Pro Medical Insurance Plan

VHIS Certified Plan

AXA WiseGuard Pro Medical Insurance Plan

VHIS Certified Plan

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.

Full cover¹ for hospitalisation and surgical benefits

WiseGuard Pro does not impose sub-limits1 for most major items in your coverage, such as room and board, surgeon’s fee, anaesthetist’s fee, operating theatre charges etc., nor is there a lifetime benefit limit.

Full cover² for prescribed non-surgical cancer treatments and outpatient kidney dialysis

WiseGuard Pro fully covers2 your eligible expenses to treat cancer (including radiotherapy (such as proton therapy), chemotherapy, targeted therapy, immunotherapy and hormonal therapy) as well as outpatient kidney dialysis.

Tailor your plan with or without deductibles

You will be given a choice of 3 ward classes (general ward, semi-private room and standard private room), 3 geographic regions and 3 levels of annual deductibles.

AXA Signature Network3,4

Enjoy easy access to well-equipped Network healthcare facilities3,4, including Hong Kong Sanatorium & Hospital, Gleneagles Hong Kong Hospital, Hong Kong Baptist Hospital, Matilda International Hospital and Union Hospital and more, without any upfront payment required and provide cashless arrangement after obtaining pre-authorization from AXA. For details, please refer to the AXA Signature Network3,4 leaflet.

No claim discount5

Health is rewarding in itself. WiseGuard Pro rewards you too with a no claim discount5 of up to 15% of your annual premium for staying healthy.

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. 
Apply online now! It’s quicker and easier than you think.

Date of Birth

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Gender

Male
Female

Smoking HabitSmoker defines as someone who has smoking habit or have smoked in the past 12 months

smoker
non-smoker

Check out the videos below to learn how our WiseGuard Pro is the best choice for a comprehensive health protection.

Watch a video of how a 5-star comprehensive protection be your best choice.

Watch a video of how the brand new benefit level – Noble be your global protection companion.

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

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

You may also be interested in

SurgiCare Surgical Insurance Plan

Catering to your surgical needs and more, AXA’s SurgiCare Surgical Insurance Plan brings you lump-sum benefits based on four clean-cut surgical procedure levels, covering your surgical uncertainties in a straight-forward way regardless of illness definitions.

  • 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

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Disclaimer

Want to talk to us?
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We can only discuss insurance matters with you when you are in HK.
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By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.

Want to talk to us?
Please input correct information.
We can only discuss insurance matters with you when you are in HK.
Please input correct information.
Please input correct information.
Maximum 250 characters
*Required

By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.