Enjoy up to 5 months’ premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
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.
By incorporating market trends and actual claims data in 2023, discover how TotalAssure / TotalAssure – BabyPro achieves “pre-emptivecare” and “continuous protection” for your health.
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.
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Promotions & Programmes
Enjoy up to
8 Months’ premium refund
AXA “2025 Summer Rewards” Programme
Discover AXA BetterMe services & offers
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| Customer Hotline | (852) 2802 2812 |
Monday - Friday: 09:00 - 17:30
Saturday: 09:00 - 13:00
Except Public Holidays
Looking for more Coverage?
In addition to TotalAssure Plus, we also offer you TotalAssure Plus, providing well-rounded protection to meet your different needs.
Remarks
Disclaimer
Reward 3C - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3C of the Promotion provides customers an offer of guaranteed preferential interest rate of 4.5% 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 4.5% 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 3C
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 | 4.5% per annum△,11 |
△The guaranteed preferential interest rate of 4.5% 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 3C, please refer to the section of Reward 3C of the Terms and Conditions stated in the promotion leaflet.
Reward 3D - Max Goal Insurance Plan Premium Discount
Table 3D
Max Goal Insurance Plan Premium Discount | |||
Designated Basic Plan | |||
Designated Basic Plan | Max Goal Insurance Plan | ||
Single Premium of Designated Basic Plan (USD) | |||
Single Premium of Designated Basic Plan (USD) | Below USD500,000 | USD500,000 to USD999,999 | USD1,000,000 or above |
Premium Discount Percentage on Each Eligible Basic Plan of Reward 3D# (% of Single Premium of Eligible Basic Plan of Reward 3D) | |||
Premium Discount Percentage on Each Eligible Basic Plan of Reward 3D# (% of Single Premium of Eligible Basic Plan of Reward 3D) | 1%12 | 2%12 | 3%12 |
12. For details of Reward 3D, please refer to the section of Reward 3D 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 3F – Designated Savings Products Special Premium Refund
From 26 April 2025 to 31 May 2025, both dates inclusive, if customer successfully submits applications for the following basic plan / supplement and all the relevant policies are held by the same policy owner:
1. a basic plan of FortuneXtra Savings Plan / WealthAhead Savings Plan and its supplements (if applicable) ("Designated Savings Policy of Reward 3F”) with the required total AFYP as stated in Table 3F below; and
2. TotalAssure Critical Illness Plan / TotalAssure Critical Illness Plan – Baby Pro / TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – Baby Pro / GlobalReach Medical Insurance Plan / AXA WiseGuard PronMedical Insurance Plan (basic plan/ supplement) (“Designated Critical Illness and Medical Protection Policy”),
customer may be entitled to HKD3,888 (or its equivalent in foreign currency) special premium refund14 on future premium(s) on Designated Savings Policy of Reward 3F.
Table 3F
Designated Savings Products Special Premium Refund | ||
Designated Basic Plans | ||
Designated Basic Plans | FortuneXtra Savings Plan | WealthAhead Savings Plan |
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | ||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | HKD150,000 / USD18,750 / RMB121,875 / EUR18,750 / GBP11,250 / CAD22,500 / AUD22,500 / SGD30,000 or above | HKD250,000 / USD 31,250 / RMB203,125 or above |
Special Premium Refund on Each Eligible Policy of Reward 3F# | ||
Special Premium Refund on Each Eligible Policy of Reward 3F# | HKD3,888 (or its equivalent in foreign currency)14 | |
What is more? If you successfully apply for FortuneXtra Savings Plan during the Promotion Period of Reward 3F, you may also enjoy the Basic Premium Refund of Reward 3B and Extra Premium Refund of Reward 3B (if applicable), whereas if you successfully apply for WealthAhead Savings Plan, you may enjoy 6.8% per annum Guaranteed Preferential Interest Rate subject to relevant terms and conditions as set out in the AXA “WealthAhead Savings Plan Guaranteed Preferential Interest Rate” Programme leaflet. For details, please refer to the relevant programme leaflet. Act now to seize this limited offer!
14. For details of Reward 3F, please refer to the section of reward 3F 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 + Special Reward - Out-patient Service
Table 2A
Designated Critical Illness Products Premium Refund + Special Reward - Out-patient Service | |||||||
Basic Premium Refund | |||||||
Basic Premium Refund | Basic Premium Refund | 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 | ||||
Basic Premium Refund | |||||||
Basic Premium Refund | Premium Payment Term | 10 years | 15 years | 20 years | 25 years | ||
Basic Premium Refund | |||||||
Basic Premium Refund | Premium Refund on Each Eligible Basic Plan of Reward 2A# | 2 months7 | 2 months7 | 3 months7 | 3 months7 | ||
Extra Premium Refund | |||||||
Extra Premium Refund | Extra Premium Refund | Customer may be entitled to an extra premium refund of up to 2 months’ premium on each of the Eligible Basic Plan of Reward 2A if: (i) the total sum insured of all Eligible Basic Plan(s) of Reward 2A is HKD 800,000/ USD 100,000 or above; or (ii) in addition to Eligible Basic Plan(s) of Reward 2A, customer is also holding policy(ies) of any of the following Critical Illness Series Plan*, and the total sum insured of all relevant basic plan(s) is HKD 800,000 / USD 100,000 or above
Critical Illness Series Plan: - HealthVital Major Illness Insurance - HealthVital II Major Illness Plan - HealthSelect Major Illness Insurance - HealthSelect II Major Illness Plan - CritiPartner Critical Illness Plan - CritiPartner Plus Critical Illness Plan - LoveAssure Critical Illness Plan - LoveAssure Plus Critical Illness Plan - TotalAssure Critical Illness Plan - TotalAssure Critical Illness Plan – Baby Pro - TotalAssure Plus Critical Illness Plan - TotalAssure Plus Critical Illness Plan – Baby Pro | |||||
Extra Premium Refund | |||||||
Extra Premium Refund | Extra Premium Refund on Each Eligible Basic Plan of Reward 2A# | + 1 month | + 2 months | ||||
Total | |||||||
Total | Total | 3 months7 | 3 months7 | 5 months7 | 5 months7 | ||
Special Reward | |||||||
Special Reward | Out-patient Service (please refer to "Special Reward – Out-patient Service" for details) | ||||||
*The insured of all of the Eligible Basic Plan(s) of Reward 2A and the relevant Critical Illness Series Plan Policy(ies) (as defined in Terms and Conditions) must be the same person. Regarding the details of the eligibility of Extra Premium Refund of Reward 2A, please refer to the section of Reward 2A of the Terms and Conditions stated in this leaflet.
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).
Reward 3E - JoyAhead Immediate Annuity Plan Premium Discount
During the Promotion Period, if customer successfully applies for the basic plan of JoyAhead Immediate Annuity Plan, customer can enjoy premium discount of up to 1% of single premium of such basic plan.
Table 3E
JoyAhead Immediate Annuity Plan Premium Discount | |
Designated Basic Plan | |
Designated Basic Plan | JoyAhead Immediate Annuity Plan |
Premium Discount Percentage on Each Eligible Basic Plan of Reward 3E# (% of single premium of Eligible Basic Plan of Reward 3E) | |
Premium Discount Percentage on Each Eligible Basic Plan of Reward 3E# (% of single premium of Eligible Basic Plan of Reward 3E) | 1%13 |
13. For details of Reward 3E, please refer to the section of Reward 3E of the Terms and Conditions stated in this leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Enjoy up to 8 months’ premium refund on AXA WiseGuard Pro Medical Insurance Plan*!
* For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
Enjoy up to 8 months’ premium refund *!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
Enjoy a 4.5% p.a. guaranteed preferential interest rate*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply
Enjoy up to 3% Premium Discount
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply
Enjoy up to 10% premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
Enjoy up to 10% premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
Enjoy up to 7% premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply
【Limited time offer】
Apply and enjoy up to 30% premium refund#
Enjoy up to 4.8% p.a. guaranteed preferential interest rate on prepaid premiums#
#Terms and conditions of this promotion apply. For details, please refer to the below promotion leaflet.
Enjoy up to 5 months’ premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
Enjoy up to 5 months' premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
Enjoy up to a 5% premium discount every policy year#
# For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
Enjoy 1% premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply
Enjoy a perpetual premium discount up to 30%#!
#Discount is calculated based on the specific sum insured as at the policy application and renewal date.
Enjoy up to 5 months’ premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
TotalAssure Critical Illness Protection Series - Microfilm
TotalAssure Critical Illness Protection Series - BabyPro Microfilm
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