Enjoy up to 5 months’ premium refund*!
*Terms and conditions of this promotion apply. For details, please refer to the below promotion leaflet.
Who should choose these plans?
TotalAssure Critical Illness Plan (“TotalAssure”) and TotalAssure Critical Illness Plan – BabyPro (“TotalAssure - BabyPro”) stand as the preferred choice for individuals and growing families in search of proactive and tailored security. Whether you are seeking your first critical illness plan or looking to add coverage to your existing plan, the benefits of multiple claims for various critical illnesses and continuous payouts specifically for Cancer and Severe Dementias make TotalAssure and TotalAssure - BabyPro the comprehensive solution for you.
Key advantages
- Pre-emptive care against common early risk conditions
- Comprehensive protection covering 135 illnesses from minor to major
- Total coverage of up to 1000% of the sum insured1,2
- Continuous payouts providing ongoing financial support for Cancer and Severe Dementias
- Extensive support for children with special needs as well as their caregivers
- One-stop savings and protection solution
- Additional coverage within specified policy years3
- BabyPro version offers protection from as early as 18 weeks of pregnancy and tailors coverage to expectant mother and newborn baby
More insights on how the plan proactively goes one step ahead to protect you
When you fall ill, is your first thought the fear of the disease? Or are you more worried about your beloved family? Illness need not stop love. Allow us to guide you through a heartwarming microfilm, where you'll witness the transformative power of a protection plan that offers proactive care.
As parents, our deepest desire is to shower our children with the very best. While we may dream of them soaring to greatness, what truly matters most is ensuring their healthy and safe upbringing. Let's watch the microfilm and be inspired by how this mother's boundless love for her child compelled her to become an unwavering pillar of support.
Explore our claims data and real-life case to see how your protection can make a meaningful difference when it matters most.
How these plans work?
Uncover the comprehensive critical illness protection offered by the plans, which secures the well-being of the family regardless of life's uncertainties!
Given that cancer is the number one health threat, discover how TotalAssure supports you through various stages of cancer, including the early pre-cancerous stages, and provides continuous support.
Parenthood is an incredibly fulfilling journey. Experience the unwavering support of TotalAssure – BabyPro, offering essential maternity protection for expectant mothers and lifelong critical illness coverage for newborns.
Automatic enhancement of critical illness definitions
To align with the standardised critical illness definitions framework introduced by the Hong Kong Federation of Insurers, TotalAssure and TotalAssure - BabyPro will be automatically enhanced to include the 21 standardised critical illness (SCI) definitions and relevant criteria for Activities of Daily Living (ADLs). Each SCI shall correspond to a major illness or minor illness. Claims will be assessed against both the new SCI definitions and the corresponding existing major or minor illness definitions, providing an additional basis for claims assessment that may, in certain circumstances, result in a more favourable claims outcome4.
- Alignment with industry-standard critical illness definitions
- Claims assessment under both the new SCI definitions and the policy’s existing critical illness definitions5
- Automatic benefit enhancement with no action required
- No additional premium or reduction in your existing coverage
Limitations apply, please refer to FAQ Section for details
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| Customer Hotline | (852) 2802 2812 |
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Looking for more Coverage?
In addition to TotalAssure Plus, we also offer you TotalAssure Plus, providing well-rounded protection to meet your different needs.
Automatic enhancement of critical illness definitions FAQ
What are standardised critical illness definitions?
Standardised critical illness definitions are a set of unified critical illness definition standards promoted by the Hong Kong Federation of Insurers, covering 21 common critical illnesses and relevant criteria for Activities of Daily Living (ADLs). The aim is to enhance the transparency and consistency of critical illness coverage and to reduce misunderstandings that may arise from different insurers adopting different definitions of critical illnesses.
For details, please visit the Hong Kong Federation of Insurers website: https://ci-definitions.hkfi.org.hk/
Does this benefit enhancement apply to both new and existing customers?
Yes. This benefit enhancement applies to both existing and newly issued TotalAssure series policies.
Will this benefit enhancement affect the existing coverage under the TotalAssure series?
No. This benefit enhancement will not reduce any of the existing coverage of the policy.
What situations are not covered under this benefit enhancement?
We will not pay any living benefit if the Insured (i) experiences symptoms or signs of (even if the Insured has not consulted a medical practitioner), or (ii) receives treatment, medication or investigation for, or (iii) is diagnosed with, any standardised critical illness prior to (a) September 1, 2026; (b) the policy date; or (c) any date of reinstatement of this policy, whichever is later.
What is ADL (Activities of Daily Living)?
As part of the benefit enhancement, the definition of Activities of Daily Living (ADLs) under your policy will be updated.
ADLs means the activities described in either of paragraph (A) or paragraph (B) below:
(A) ADLs means:
- dressing – the ability to put on and take off clothing without assistance
- toileting – the ability to use the toilet, including getting on and off without assistance
- mobility – the ability to get in and out of a bed or a chair without assistance
- continence – the ability to control bowel and bladder function
- feeding – the ability to get food from a plate into the mouth without assistance
- bathing and showering – the ability to bathe and shower without assistance
(B) ADLs means:
- Bathing/Washing - the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash oneself satisfactorily by other means.
- Dressing - the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances.
- Transferring - the ability to get in and out of a chair, bed or wheelchair.
- Mobility - the ability to move indoors from room to room on level surfaces.
- Continence - the ability to voluntarily control bowel and bladder functions so as to maintain a satisfactory level of personal hygiene.
- Feeding/eating - the ability to feed oneself once food has been prepared and made available.
If the activity can be performed by using special equipment, then it will be considered able to perform that activity.
Remarks
- A major illness or minor illness and its corresponding standardised critical illness shall be treated as one and the same illness under the policy.
- The sum insured as at the time when the relevant benefit becomes payable.
- The maximum aggregate amount of eligible claims includes benefits under Early Risk Defender Benefit, Minor Illness Benefit, Major Illness Benefit, Multiple Claims Major Illness Benefit and Continuous Cancer Payout Benefit. For benefits shall be excluded in the computation of the total 1000% of the sum insured, please refer to the product brochure for details.
- Subject to the applicable policy terms and conditions.
- A major illness or minor illness and its corresponding standardised critical illness shall be treated as one and the same illness under the policy.
- Extra Coverage Benefit, First Year BabyPro Coverage Benefit, First 20 Years TotalAssure Coverage Benefit and 20 Years BabyPro Coverage Benefit are subject to relevant terms and conditions. For further details, please refer to the product brochure and relevant programme flyers.
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.
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.
TotalAssure Critical Illness Protection Series - Microfilm
TotalAssure Critical Illness Protection Series - BabyPro Microfilm
Automatic enhancement of critical illness definitions
To align with the standardised critical illness definitions framework introduced by the Hong Kong Federation of Insurers, TotalAssure and TotalAssure - BabyPro will be automatically enhanced to include the 21 standardised critical illness (SCI) definitions and relevant criteria for Activities of Daily Living (ADLs). Each SCI shall correspond to a major illness or minor illness. Claims will be assessed against both the new SCI definitions and the corresponding existing major or minor illness definitions, providing an additional basis for claims assessment that may, in certain circumstances, result in a more favourable claims outcome4.
- Alignment with industry-standard critical illness definitions
- Claims assessment under both the new SCI definitions and the policy’s existing critical illness definitions5
- Automatic benefit enhancement with no action required
- No additional premium or reduction in your existing coverage
Limitations apply, please refer to FAQ Section for details
What are standardised critical illness definitions?
Standardised critical illness definitions are a set of unified critical illness definition standards promoted by the Hong Kong Federation of Insurers, covering 21 common critical illnesses and relevant criteria for Activities of Daily Living (ADLs). The aim is to enhance the transparency and consistency of critical illness coverage and to reduce misunderstandings that may arise from different insurers adopting different definitions of critical illnesses.
For details, please visit the Hong Kong Federation of Insurers website: https://ci-definitions.hkfi.org.hk/
Does this benefit enhancement apply to both new and existing customers?
Yes. This benefit enhancement applies to both existing and newly issued TotalAssure series policies.
Will this benefit enhancement affect the existing coverage under the TotalAssure series?
No. This benefit enhancement will not reduce any of the existing coverage of the policy.
What situations are not covered under this benefit enhancement?
We will not pay any living benefit if the Insured (i) experiences symptoms or signs of (even if the Insured has not consulted a medical practitioner), or (ii) receives treatment, medication or investigation for, or (iii) is diagnosed with, any standardised critical illness prior to (a) September 1, 2026; (b) the policy date; or (c) any date of reinstatement of this policy, whichever is later.
What is ADL (Activities of Daily Living)?
As part of the benefit enhancement, the definition of Activities of Daily Living (ADLs) under your policy will be updated.
ADLs means the activities described in either of paragraph (A) or paragraph (B) below:
(A) ADLs means:
- dressing – the ability to put on and take off clothing without assistance
- toileting – the ability to use the toilet, including getting on and off without assistance
- mobility – the ability to get in and out of a bed or a chair without assistance
- continence – the ability to control bowel and bladder function
- feeding – the ability to get food from a plate into the mouth without assistance
- bathing and showering – the ability to bathe and shower without assistance
(B) ADLs means:
- Bathing/Washing - the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash oneself satisfactorily by other means.
- Dressing - the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical appliances.
- Transferring - the ability to get in and out of a chair, bed or wheelchair.
- Mobility - the ability to move indoors from room to room on level surfaces.
- Continence - the ability to voluntarily control bowel and bladder functions so as to maintain a satisfactory level of personal hygiene.
- Feeding/eating - the ability to feed oneself once food has been prepared and made available.
If the activity can be performed by using special equipment, then it will be considered able to perform that activity.
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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