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 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 Tax Savings Calculator, you can gain a deeper understanding of how WiseGuard Pro safeguards your health, while also providing tax deductions.
Explore our claims data and real-life case to see how your protection can make a meaningful difference when it matters most.
Need more information on VHIS?
Numbers to call if you have any issues, queries, or complaints on VHIS
We are always happy to help and answer questions. Here are who you can reach for different enquiries:
AXA customer service
Call us here to make enquiries or lodge complaints.
VHIS product compliance rules
Click here to contact Health Bureau.
General conduct of insurance companies and intermediaries
Click here to contact Insurance Authority.
Tax deduction
Click here to contact Inland Revenue Department
VHIS: Essential information
WiseGuard Pro is an individual indemnity hospital insurance plan certified under the VHIS. | |
Registered VHIS provider | |
Registered VHIS provider | AXA China Region Insurance Company(Hong Kong) 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 | F00034-01-000-05 | F00034-02-000-05 | F00034-03-000-05 | F00034-10-000-05 | F00034-11-000-05 | F00034-12-000-05 |
Enhance | ||||||
Enhance | F00034-04-000-05 | F00034-05-000-05 | F00034-06-000-05 | F00034-13-000-05 | F00034-14-000-05 | F00034-15-000-05 |
Premier | ||||||
Premier | F00034-07-000-05 | F00034-08-000-05 | F00034-09-000-05 | F00034-16-000-05 | F00034-17-000-05 | F00034-18-000-05 |
Noble | ||||||
Noble | F00034-19-000-03 | F00034-20-000-03 | F00034-21-000-03 | F00034-22-000-03 | F00034-23-000-03 | F00034-24-000-03 |
Modal factor of premiums
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.
Change of ownership of the policy
Subject to the approval of AXA at its discretion, the policy holder may transfer the ownership of the policy. We shall consider application of transfer of ownership at the time of policy renewal without any administration charge on the policy holder or transferee.
Please refer to the Policy Terms and Conditions and contact your financial consultant for the details.
Starting at HKD 10/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?
Yes, there are three ward classes under four benefit levels of WiseGuard Pro as below:
Benefit Level | Entitled ward Class |
Regular | |
Regular | General Ward |
Enhance | |
Enhance | Semi-private room |
Premier | |
Premier | Standard private room |
Noble | |
Noble | Standard private room |
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?
No. Only the eligible expenses arising from pre-existing condition(s) that the policyholder and/or insured person was not aware and would not reasonably have been aware of at the time of submission of application, shall be payable, subject to the benefit limit.
3. Does WiseGuard Pro offer outpatient benefit?
WiseGuard Pro provides pre- and post-confinement/ day case procedure outpatient care, and post-confinement/ day case procedure ancillary benefit, but general outpatient consultation is not covered.
4. How many times can an insured person claim for cancer treatment or dialysis treatment?
There is full cover for cancer treatment and dialysis treatment without a limit of number of claims. As long as the treatment is covered under the policy and it is under the annual benefit limit of the policy, every treatment can be claimed.
5. After a couple of policy years, will I still be covered if I work overseas and admits to hospital there?
Except for psychiatric treatment (Hong Kong and Macau only) and cash benefit for lower ward class in Hong Kong and Macau, benefit items covered under WiseGuard Pro shall be applicable according to the entitled benefit level. If the insured person is admitted to hospital for emergency treatments outside the geographical limitation, eligible expenses will be payable according to the terms and conditions of WiseGuard Pro. If the insured person is admitted to hospital for non-emergency treatments outside the geographical limitation, eligible expenses will be payable according to the terms and conditions of the VHIS Standard Plan (after deducting any remaining deductibles).
Benefit Level | Geographical Limitation |
Regular | |
Regular | Greater China |
Enhance | |
Enhance | Asia (including Australia and New Zealand) |
Premier | |
Premier | Asia (including Australia and New Zealand) |
Noble | |
Noble | Worldwide excluding USA |
Find out more about our VHIS products and offers
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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.
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
Remarks
- Full cover shall mean no itemised benefit sub-limit and is only applicable to the reimbursement of the actual amount of eligible expenses and / or other expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit and other conditions as stated in the product brochure and the policy contract. Full cover applies to certain benefit items only. 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, deductible (if any) and other conditions as stated in the product brochure and the policy contract. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
- The service providers which provide the Network Doctors, Network healthcare facilities, GBA healthcare facilities and Case Manager 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 and advices provided by the service providers and their Network Doctors, Network healthcare facilities, GBA healthcare facilities and Case Manager and shall not be responsible for any act or failure to act on the part of Network Doctors, Network healthcare facilities, GBA healthcare facilities and Case Manager or its personnel (including doctors, nurses, or other medical staff).
- The list of Network Doctors, Network healthcare facilities, GBA healthcare facilities and Case Manager are subject to change from time to time at AXA’s sole discretion without prior notice. Hence, the Network Doctors’ and Case Managers’ number of years’ experience and post-fellow specialist training may vary.
- If after a no claim discount has been deducted, a claim incurred in respect of previous 5 policy years is paid under WiseGuard Pro, the no claim discount shall be re-calculated by taking into account the relevant claim paid, 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 immediately upon the Company’s reasonable request. For the avoidance of doubt, if a claim was incurred but no benefit was paid by reason of the deductible, the policy year concerned will still not be counted in the claim-free period. For details, please refer to the policy contract.
- Subject to the terms and benefits of the policy contract, you have a guaranteed right to renew the policy by making payment of the prevailing premium on each policy anniversary.
- The premiums shown are calculated based on basic plan of AXA WiseGuard Pro Medical Insurance Plan – Regular benefit level, with HKD50,000 annual deductible, for a 30-year-old non-smoking male insured person and residency in Hong Kong or Macau.
*Source of information: 10Life, an insurance information and comparison platform. The above score and information provided by 10Life as of 31 October 2022 is for reference only, and do not constitute an offer to sell or recommendation to purchase any insurance product. AXA is not responsible or liable for any rating, score, information or service provided by 10Life. For details, please visit 10Life’s website. Please note that you will be leaving the AXA Hong Kong website and redirected to third party site by clicking here.
^For more information, please refer to www.ird.gov.hk or seek independent tax advice.
⁺ The Digital Enrolment System is applicable to customer who fulfills the following conditions:
- Customer should be a Hong Kong Identity Cardholder
- Customer lives in Hong Kong and the application should be signed in Hong Kong
- The new application is not to replace any existing life policy(ies)
- The customer decides to apply for relevant products, and does not require the Financial Consultant to provide product recommendations
- Due to outbreak of COVID-19, customer prefers not to have face-to-face sales interview
- No supplementary benefits to be attached to the application
Disclaimer
The plan is subject to the terms, conditions and exclusions of the relevant policy contract. AXA reserves the final right to approve any application. This webpage contains general information only and does not constitute any contract between any parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the plan, please refer to the relevant policy provisions, which will be made available by the Company upon request and can be downloaded from this website.
Remark to Videos
AXA China Region Insurance Company (Bermuda) Limited was renamed to AXA China Region Insurance Company (Hong Kong) Limited on 26 January 2026.
Reward 3D - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3D of the Promotion provides customers an offer of guaranteed preferential interest rate of 4% 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% 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 3D
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% per annum△,11 |
△The guaranteed preferential interest rate of 4% per annum is applicable to the Prepaid Amount only.
^ Only applicable to Max Wealth Insurance Plan with the Lump Sum Payment arrangement selected.
11. For details of Reward 3D, please refer to the section of Reward 3D of the Terms and Conditions stated in the promotion leaflet.
Max Goal II Insurance Plan Premium Discount
Table 3E
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 3E# (% of Single Premium of Eligible Basic Plan of Reward 3E) | ||||||
Below USD500,000 | ||||||||
Below USD500,000 | Below RMB3,250,000 | Below HKD4,000,000 | 1%12 | |||||
USD500,000 - USD999,999 | ||||||||
USD500,000 - USD999,999 | RMB3,250,000– RMB6,499,999 | HKD4,000,000– HKD7,999,999 | 2%12 | |||||
USD1,000,000 or above | ||||||||
USD1,000,000 or above | RMB6,500,000 or above | HKD8,000,000 or above | 3%12 | |||||
12. For details of Reward 3E, please refer to the section of Reward 3E 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 3B – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund
During the Promotion Period, if a customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, the customer may be entitled to premium refund on future premium(s).
Table 3B
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 3B# (% of the total AFYP of Eligible Policy of Reward 3B) | |||||
Premium Refund Percentage on Each Eligible Policy of Reward 3B# (% of the total AFYP of Eligible Policy of Reward 3B) | Premium Refund Percentage on Each Eligible Policy of Reward 3B# (% of the total AFYP of Eligible Policy of Reward 3B) | 5%9 | 10%9 | 7%9 | |
9. For details of Reward 3B, please refer to the section of reward 3B 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 Protection Products Premium Refund
Table 2A
Designated Critical Illness Protection 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 months7 | 3 months7 | 4 months7 | 5 months7 | |
7. 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).
All our products
Life Protection
Reward 1A – GBA EverGuard Medical Insurance Premium Refund
Table 1A
Designated Basic Plan / Supplements | GBA EverGuard Medical Insurance |
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | 2 months3 |
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | If the customer also successfully submits an application for any of the following plans during the Promotion Period, both dates inclusive, and provided that all relevant policies are held by the same policy owner: • TotalAssure Critical Illness Plan • TotalAssure Critical Illness Plan – Baby Pro • TotalAssure Plus Critical Illness Plan • TotalAssure Plus Critical Illness Plan – Baby Pro +2 months3 |
Total | |
Total | 4 months3 |
AXA “Medical and Term Life Insurance Products Premium Coupon Reward” Promotion Programme@
During the Promotion Period, if you successfully apply for any new designated basic plans of medical and term life insurance products with the required AFYP and premium payment mode, you may be entitled to up to 5 premium coupons, each valued at HKD500, for a total maximum of HKD2,500 on each eligible basic plan.
3. For details of Reward 1A, please refer to the section of Reward 1A 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).
@For details of AXA “Medical and Term Life Insurance Products Premium Coupon Reward” Promotion Programme, please refer to the section of AXA “Medical and Term Life Insurance Products Premium Coupon Reward” Promotion Programme of the Terms and Conditions stated in the promotion leaflet.
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(Hong Kong) 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 | F00034-01-000-05 | F00034-02-000-05 | F00034-03-000-05 | F00034-10-000-05 | F00034-11-000-05 | F00034-12-000-05 |
Enhance | ||||||
Enhance | F00034-04-000-05 | F00034-05-000-05 | F00034-06-000-05 | F00034-13-000-05 | F00034-14-000-05 | F00034-15-000-05 |
Premier | ||||||
Premier | F00034-07-000-05 | F00034-08-000-05 | F00034-09-000-05 | F00034-16-000-05 | F00034-17-000-05 | F00034-18-000-05 |
Noble | ||||||
Noble | F00034-19-000-03 | F00034-20-000-03 | F00034-21-000-03 | F00034-22-000-03 | F00034-23-000-03 | F00034-24-000-03 |
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.
Remark to Videos
AXA China Region Insurance Company (Bermuda) Limited was renamed to AXA China Region Insurance Company (Hong Kong) Limited on 26 January 2026.
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