GBA EverGuard Medical Insurance (“GBA EverGuard”) connects you to quality healthcare resources across the Chinese mainland, Hong Kong and other Greater China regions1 at cost‑effective premiums. It brings Asia’s leading medical technologies and treatment options within your reach, allowing you to benefit from healthcare excellence across regions. Backed by comprehensive protection and a dedicated professional healthcare network, GBA EverGuard supports you from diagnosis and treatment through to rehabilitation, helping you access the care you need, wherever life takes you.
Full cover2 of designated medical expenses in Chinese mainland, with no sub-limits. By connecting you to quality healthcare resources across the Chinese mainland, Hong Kong and other Greater China regions1, GBA EverGuard gives you greater access to suitable medical solutions across locations when more complex medical needs arise.
Treatment is only the first step; a smooth recovery matters just as much. GBA EverGuard covers both Chinese and Western medicine treatments, together with dedicated rehabilitation support in the Chinese mainland, helping you make the most of the crucial recovery window to regain your health with greater peace of mind.
Enjoy medical protection and support up to age 100, helping you stay protected through different life stages while making every premium count.
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
GBA EverGuard connects you to quality medical networks across the Chinese mainland and Hong Kong, giving you access to Asia's leading medical technology and treatment solutions. With full cover2, together with standard private room upgrade3 and post-hospitalisation rehabilitation support, you can enjoy comprehensive protection and support from treatment through to recovery.
GBA EverGuard offers affordable medical protection across the Chinese mainland, Hong Kong, and other Greater China regions1, giving you the flexibility to access the respective healthcare strengths of different locations while balancing comprehensive, long-term protection with affordability, so that better treatment can truly be your choice.
Let a professional team take care of the complexities of medical arrangements and cross-border coordination. AXA Health Concierge5,6 offers a dedicated healthcare support team throughout your journey – from general health advice and healthcare navigation to arranging treatment, together with Medical Green Pass7 and cashless arrangements8 - so you can focus on what matters most: your treatment and recovery.
Get a free consultation, and our financial advisors will provide tailored recommendations to suit your needs.
No. GBA EverGuard offers comprehensive protection across Greater China¹. In addition to the Chinese mainland, you can choose to receive treatment in Hong Kong, Macau or Taiwan for designated illnesses, depending on your needs and preference. This gives you greater flexibility to seek quality care in the location where you feel most confident and comfortable, while staying close to the support of your family.
Use the calculator to explore coverage and claim examples across different regions.
Yes. For designated major illnesses and surgeries, you may choose to receive treatment in Hong Kong, followed by integrated rehabilitation treatment at a designated rehabilitation centre in Chinese mainland. Chinese mainland’s one-stop rehabilitation model brings together a range of rehabilitation services, while GBA EverGuard also provides rehabilitation coverage specifically in Chinese mainland — helping you make the most of the respective medical strengths of both locations.
No. You may also receive treatment from non-network service providers.
If you use a non-designated medical service network:
*Class 2A or above refers to a second-level, first-class hospital or above, as approved or designated by AXA.
However, by using the designated medical service network, you can enjoy more enhanced benefits and a more seamless healthcare experience, including:
1) Applicable to the Chinese mainland medical service network and AXA Signature Network in Hong Kong (unless otherwise specified)
2) Applicable to the Chinese mainland medical service network (unless otherwise specified)
3) Application to AXA Signature Network in Hong Kong
Yes. AXA Health Concierge⁵˒⁶ provides a dedicated, one-stop support throughout your entire medical journey. From answering general questions about your health conditions and helping identify appropriate specialised doctors, to facilitating second medical opinions and connecting you with a broad network of designated healthcare providers in Hong Kong and Chinese mainland, AXA Health Concierge⁵˒⁶ supports you every step of the way, so that you can make more informed healthcare decision.
If treatment is required, the team can also assist with Medical Green Pass⁷, cashless arrangement⁸, cancer case management⁵˒⁶ and treatment support⁵˒⁶, helping to make your journey from diagnosis and treatment through to rehabilitation smoother and more reassuring.
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Disclaimer
Information on this webpage is for reference only, and 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 conditions. You should not purchase a policy based on the information on this website alone.
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.
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).
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).
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).
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 |
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.
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