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Our Offers

AXA selected 4 medical insurance products with protection ranging from basic to comprehensive coverage: AXA WiseGuard Medical Insurance Plan, Smart Medicare, AXA WiseGuard Pro Medical Insurance Plan and Global Elite II Health Plan.

Each product provides comprehensive medical coverage including in-patient surgery, day case procedure, and hospitalisation expenses. The products offer guaranteed renewal up to age 100 regardless of your health conditions or claims history.

VHIS CERTIFIED PLAN

AXA WiseGuard Medical Insurance Plan

VHIS CERTIFIED PLAN

Smart Medicare

VHIS CERTIFIED PLAN

AXA WiseGuard Pro Medical Insurance Plan
  • Enjoy up to 6 months’ premium refund*

Global Elite II Health Plan

  • No lifetime benefit limit
  • Annual benefit limit up to HKD420,000
  • Coverage up to respective benefit sub-limits per policy year
  • Compassionate death benefit HKD10,000
  • Coverage for pre/post-confinement and day case procedure outpatient care
  • No lifetime benefit limit
  • No annual benefit limit
  • Coverage up to respective benefit sub-limits per policy year
  • Compassionate death benefit HKD15,000
  • Coverage for pre/post-confinement and day case procedure outpatient care
  • Lifetime benefit limit up to HKD40,000,000
  • Annual benefit limit up to HKD10,000,000
  • Full cover for most of the eligible expenses for hospitalisation and surgical benefits (subject to annual benefit limit, lifetime benefit limit, deductible option and other conditions)
  • Compassionate death benefit HKD10,000
  • Full cover for pre/post-confinement and day case procedure outpatient care (subject to annual benefit limit, lifetime benefit limit, deductible option and other conditions)
  • No lifetime benefit limit
  • Annual benefit limit up to HKD20,000,000
  • Full cover for most of the eligible in-patient medical expenses per policy year (subject to annual benefit limit and deductible option)
  • Compassionate death benefit HKD80,000
  • Coverage for pre/post hospitalisation benefits

Unique product features

  • Eligible for tax deduction

Unique product features

  • Eligible for tax deduction
  • Worldwide emergency assistance
  • No claim discount

Unique product features

  • Eligible for tax deduction
  • Full cover for prescribed non-surgical cancer treatments and outpatient kidney dialysis (subject to annual benefit limit, lifetime benefit limit, deductible option and other conditions)
  • No waiting period for unknown pre-existing conditions
  • No claim discount
  • Additional services i.e. worldwide emergency assistance and free second medical option etc. are included

Unique product features

  • Direct billing applicable on designated Global Directory
  • Worldwide emergency assistance
  • Free second medical opinion
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Remarks

*Terms and conditions apply. For details of the promotion, please refer to the relevant terms and conditions stated in the AXA “Reward Booster” Programme webpage.

The premiums are calculated with reference to a number of factors including but not limited to the gender, residency and risk class of the insured person at the time of policy issuance. Premiums are not guaranteed and may be changed by the Company at any of the policy anniversaries.

The premiums and benefits shown above are based on AXA WiseGuard Medical Insurance Plan; Regular benefit level of Smart Medicare; Enhance benefit level with HKD20,000 annual deductible for AXA WiseGuard Pro Medical Insurance Plan; and Standard benefit level with area of cover in Asia and HKD40,000 annual deductible for Global Elite II Health Plan.

The premiums displayed above are for basic plan and are calculated based on insured person with residency in Hong Kong or Macau. The monthly premiums for AXA WiseGuard Medical Insurance PlanSmart Medicare and AXA WiseGuard Pro Medical Insurance Plan are calculated using applicable premium modal factor. The monthly premium modal factor for a basic plan is 0.09. The monthly premium for Global Elite II Health Plan is calculated by dividing the annual premium by 12. Global Elite II Health Plan currently only offers annual payment mode, the premium showed above is for illustration purpose.

The premiums calculated are for reference only and the actual amount may be different from those illustrated. For product details, please refer to the relevant proposals, product brochures and policy contracts.

Age selected shall be based on the age of the insured person on his or her last birthday.

The above medical insurance products are underwritten by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) / AXA China Region Insurance Company Limited (collectively, the “Company”).