GBA EverGuard Medical Insurance
Ever guarding you across the border
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.
Access and benefit from top-tier medical resources across regions
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.
Supporting your journey from treatment to one-stop rehabilitation
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.
Long-term protection with cost-effective premiums
Enjoy medical protection and support up to age 100, helping you stay protected through different life stages while making every premium count.
Enjoy up to 4 months’ premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
All-round Protection with Dedicated Support
Stay ahead with advanced medical care and broader treatment options
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.
From just HKD11 a day4, enjoy hassle-free medical protection
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.
Medical navigation by AXA Health Concierge5,6
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.
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Frequently asked questions
Am I only covered for treatments received in Chinese mainland?
Can I receive treatment in Hong Kong and then undergo rehabilitation in Chinese mainland?
Am I required to use only the designated medical network?
Is there anyone who can help me in managing my medical journey in Chinese mainland if I am not familiar with the healthcare services there?
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| Customer Hotline | (852) 2802 2812 |
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Saturday: 09:00 - 13:00
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Disclaimer
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 Products Premium Refund
Table 2A
Designated Critical Illness 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).
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Life Protection
Special Launch Reward – GBA EverGuard Medical Insurance Premium Refund
Special Launch Reward Table
Designated Basic Plan / Supplements | GBA EverGuard Medical Insurance |
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Special Launch Reward# | |
Basic Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Special Launch Reward# | 2 months3 |
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Special Launch Reward# | |
Extra Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Special Launch Reward# | If the customer also successfully submits an application for any of the following plans during from 9 September 2026 to 27 September 2026, 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 |
3. For details of Special Launch Reward, please refer to the section of Special Launch Reward 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).
GBA EverGuard Medical Insurance – Product Marketing Video
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