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Product Features
Full cover¹ for hospitalisation and surgical benefits
Full cover² for prescribed non-surgical cancer treatments and outpatient kidney dialysis
No waiting period for unknown pre-existing conditions
No claim discount³
Additional Services
Worldwide emergency assistance⁴
Free hospital admission deposit guarantee service in Mainland China⁵'⁸'⁹
Free second medical opinion⁶'⁹
Case management⁹'¹²
AXA nurse hotline⁷'⁹
Full cover¹ for hospitalisation and surgical benefits
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.
Full cover² for prescribed non-surgical cancer treatments and outpatient kidney dialysis
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.
No waiting period for unknown pre-existing conditions
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.
No claim discount³
You can enjoy a no claim discount³ on your premium for staying healthy.
Worldwide emergency assistance⁴
As our valued customer, you will automatically be entitled to use the worldwide emergency assistance⁴ provided by AXA Assistance.
Free hospital admission deposit guarantee service in Mainland China⁵'⁸'⁹
While you are traveling in Mainland China, you are entitled to receive medical treatment at designated hospitals⁵'⁸, without having to pay an admission deposit in advance.
Free second medical opinion⁶'⁹
If you are diagnosed with a critical illness⁹, you may obtain a second medical opinion⁶'⁹ from AXA Signature Network doctors¹⁰'¹¹ or other medical experts to have a free consultation service in person in Hong Kong.
Case management⁹'¹²
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.
AXA nurse hotline⁷'⁹
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.
How does WiseGuard Pro protect you?
AXA Signature Network
AXA Signature Network (“Network”) allows you to access vast network of doctors (“Network Doctors”), as well as well-equipped Network healthcare facilities, including private hospitals and day case procedure centres.
The Network is directly managed by AXA to provide you a one-stop medical solution platform. It aims to provide you with simplified administrative procedures and high quality medical services.
AXA Goal
AXA Goal* is an annual step challenge program that rewards you for living a healthier lifestyle!
Earn a premium rebate on your next renewal by joining our 10,000 steps-a-day annual challenge.
* Customer must be named as the policy holder and insured person of WiseGuard Pro basic plan and/or supplement.
AXA launching the Customer Charter
To enable all customers to enjoy world class care at an affordable premium sustainably, we have formulated this Customer Charter to set out your Rights & Responsibilities and to achieve the best patient and customer experience.
Promotions
Please contact the following channels on respective enquiries:
AXA customer service
Please contact us here to lodge your enquiries or complaints.
Product compliance rules of VHIS
Please click here to contact Food and Health Bureau.
General conduct of insurance companies and intermediaries
Please click here to contact Insurance Authority.
Tax deduction
Please click here to contact Inland Revenue Department.
| This is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”) | |
| Registered VHIS provider | AXA China Region Insurance Company (Bermuda) Limited |
| Type of certified plan | VHIS Flexi Plan |
| 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 |
| VHIS certification number | ||||||
|---|---|---|---|---|---|---|
| Deductible | HKD 0 | HKD 20,000 | HKD 50,000 | USD 0 | USD 2,500 | USD 6,250 |
| Benefit level | ||||||
| Regular | F00034-01-000-01 | F00034-02-000-01 | F00034-03-000-01 | F00034-10-000-01 | F00034-11-000-01 | F00034-12-000-01 |
| Enhance | F00034-04-000-01 | F00034-05-000-01 | F00034-06-000-01 | F00034-13-000-01 | F00034-14-000-01 | F00034-15-000-01 |
| Premier | F00034-07-000-01 | F00034-08-000-01 | F00034-09-000-01 | F00034-16-000-01 | F00034-17-000-01 | F00034-18-000-01 |
Semi-annual and monthly premiums of AXA WiseGuard Pro Medical Insurance Plan are calculated by multiplying the annual premium by the applicable modal factor. The modal factor for a basic plan is 0.52 (semi-annual) or 0.09 (monthly). The modal factor for a rider plan is 0.5 / 0.52 (semi-annual) or 0.083334 / 0.09 (monthly), following its basic plan.
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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
Remarks
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
^ Smoker defines as someone who has smoking habit or have smoked in the past 12 months
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.
