Remarks

1. Full cover shall mean the actual amount of eligible expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit, lifetime benefit limit and other conditions. Psychiatric treatments and medical implants are excluded from full cover benefit. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
2. Full cover of prescribed non-surgical cancer treatments and outpatient kidney dialysis are subject to the annual benefit limit, lifetime benefit limit, deductible (if any) and other conditions. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
3. If after a no claim discount has been deducted, a claim incurred in respect of previous 5 policy years becomes payable under AXA WiseGuard Pro Medical Insurance Plan, the no claim discount shall be re-calculated by taking into account the relevant claim payable, and the policy holder shall return to the Company the difference between the recalculated amount and the no claim discount actually paid to the policy holder, otherwise the Company will not pay such claim.
4. The provision of services is subject to the terms and conditions of the worldwide emergency assistance. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. This is an optional service. Clients can opt-out the services by writing to AXA.
5. The latest designated Mainland China hospitals list is available via the e-Service platform “Emma by AXA” or other channels made available by AXA or by calling AXA Customer Care Hotline on (852) 2802 2812. As the designated Mainland China hospitals list may change from time to time, you are advised to confirm the availability of your selected hospital prior to admission.
6. The second medical opinion is provided by a medical service provider which is an independent contractor and is not an agent of AXA. AXA shall not be held responsible for or liable to the policy holder or of the insured person for anything in relation to such medical opinion given by the medical service provider and hospital. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice.
7. The AXA nurse hotline aims to provide general health non-emergency information and to support you to meet your healthcare needs. It is not, and should not be used, as a substitute for advice from their own medical doctor. The general health information provided by the AXA nurse hotline is only intended for enquiries that are not of an urgent or emergency nature and is not medical advice whatsoever and should not be treated as such. AXA’s advice will be based on what you tell us about your personal health circumstances. AXA does not warrant or represent on the completeness and accuracy of the advice and/or information provided. If you have any specific questions about any medical matters or situations, you should consult your doctor or other healthcare professionals. When you contact AXA nurse hotline, you acknowledge the limitations of this service as set out above. AXA are not liable for loss, damage, costs or other expenses which you may incur as a result of any information provided by AXA nurse hotline. Nothing in this disclaimer will exclude or limit our liability for death or personal injury caused by negligence or for any liability which cannot be excluded or limited under applicable law.
8. The provision of services is subject to the terms and conditions of the free hospital admission deposit guarantee service in Mainland China. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. This is an optional service. Clients can opt-out the services by writing to AXA.
9. Please refer to the policy holder guide map for details of the additional services and procedure, which will be provided to you together with the policy contract after your policy takes effect. Please note that the terms of the services and procedures in relation to these additional services can be amended by AXA from time to time without prior notice.
10. Network Doctors and Network healthcare facilities are independent third parties and are not agents of AXA. AXA shall not have any obligation or liability whatsoever in relation to the medical services provided by the Network Doctors and the Network healthcare facilities, and shall not be responsible for any act or failure to act on the part of the Network Doctors and Network healthcare facilities.
11. The list of Network Doctors is subject to change from time to time at AXA’s sole discretion without prior notice. Hence, the number of years’ experience and post-fellow specialist training may vary.
12. AXA case management’s advice will be based on what you tell us about your personal health circumstances. It is not, and should not be used, as a substitute for advice from their own medical doctor. The advice provided by the AXA case management is only intended for enquiries that are not of an urgent or emergency nature and is not medical advice whatsoever and should not be treated as such.  AXA does not warrant or represent on the completeness and accuracy of the advice and/or information provided. If you have any specific questions about any medical matters or situations, you should consult your doctor or other healthcare professionals. When you contact AXA, you acknowledge the limitations of this service as set out above. AXA are not liable for loss, damage, costs or other expenses which you may incur as a result of any information provided by AXA. Please note that the terms of the services and procedures in relation to these additional services can be amended by AXA from time to time without prior notice. Nothing in this disclaimer will exclude or limit our liability for death or personal injury caused by negligence or for any liability which cannot be excluded or limited under applicable law.

Disclaimer

Information on this webpage is for reference only, and is not intended to be a complete description of the applicable terms and conditions. Please refer to the product brochure and policy contract for detailed terms and benefits. You should not purchase a policy based on the information on this website alone.