You will be fully reimbursed without any waiting period on eligible expenses arising from your unknown pre-existing conditions which you are reasonably unaware of at the time of insurance application, subject to the benefit schedule and the policy contract.

Certified by the government of the Hong Kong Special Administrative Region under VHIS, WiseGuard Pro 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.

Your eligible hospitalisation and surgical expenses will be fully covered¹ without sub-limit constraint for major items such as room & board, surgeon’s fee, anaesthetist’s fee, operating theatre charges and prescribed diagnostic imaging tests, etc.

You will be fully covered² on eligible expenses resulting from cancer treatments (including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy) and outpatient kidney dialysis.

You can enjoy a no claim discount³ on your premium for staying healthy.

As our valued customer, you will automatically be entitled to use the worldwide emergency assistance⁴ provided by AXA Assistance.

While you are traveling in mainland China, you are entitled to receive medical treatment at designated hospitals^5,8, without having to pay an admission deposit in advance.

If you are diagnosed with a critical illness⁹, you may obtain a second medical opinion^6,9 from AXA Signature Network doctors^10,11 or other medical experts to have a free consultation service in person in Hong Kong.

Our registered nurse will support you in your patient journey, assisting you to receive the most appropriate treatment plan and helping you to undergo optimal recovery when you face complex or severe illnesses.

If you have questions about your health, you may contact our registered nurse on (852) 2802 2812, from Monday to Friday 9 a.m. to 5:30 p.m. except public holidays.