1.“Age 85” refers to the policy anniversary on or immediately following the insured’s 85ᵗʰ birthday, whichever is earlier.
2.Any indebtedness and outstanding premiums will be deducted from the relevant benefit(s) when payable.
3.The aggregate amount of all benefits paid and payable under Multiple Claims Major Illness Benefit and Continuous Cancer Payout Benefit is subject to a maximum of 800% of the sum insured.
4.Subject to certain requirements. For details, please refer to policy provisions.
5.Your application is subject to AXA’s underwriting requirements and any other requirements from time to time. We may require you to provide further information and satisfactory proof to us for our assessment. All matters and disputes are subject to the final decision of AXA.
6.Greater China covers Chinese mainland, Hong Kong, Macau and Taiwan.
7.Source: "Global Medical Trends Survey Report", WTW (Willis Towers Watson).
8.Sources: Hospital Authority, Waiting Time for Stable New Case Booking at Specialist Out-patient Clinics during Jul 1, 2025- Jun 30, 2026. The longest (90th percentile) waiting time implies that appointments are earlier than the indicated time in 90% of the new case bookings.
9.Source: WenWeiPo
10.Source: Hong Kong Commercial Times (2026)
11.Source: GovHK (2025)
12.Source:Hong Kong in Figures (2026 Edition)
13.AXA WiseGuard Pro Medical Insurance Plan and GlobalReach Medical Insurance Plan policyholders may, while the policy is in effect, apply to downgrade their benefit level or area of cover, or increase their deductible. You may also apply to reduce your deductible at a designated age. Such right is allowed once per lifetime only. For AXA WiseGuard Pro Medical Insurance Plan policyholder, if you change your place of residence, you may, while maintaining the existing deductible level, submit a written application to upgrade the plan to the Noble benefit level (such right is allowed once per lifetime only); the right to upgrade the benefit level to Noble without having go through medical re-underwriting will be applicable if the insured person has submitted a written request to change the residential address to an address outside of the territorial scope of cover (geographical limitation for non-emergency treatment) as specified in the benefit schedule of his/her WiseGuard Pro policy while the WiseGuard Pro policy is in effect. AXA shall have the right to ask for the proof of residential address (in the form specified by the Company to its satisfaction). The request to upgrade to Noble benefit level should be submitted to AXA within 30 days before the policy renewal date. For detailed terms and conditions, please refer to the relevant policy provisions.
In addition, you may convert to GBA EverGuard Medical Insurance through a designated conversion programme. No medical re-underwriting is required for any of the above applications. Prior to applying for policy conversion, you should ensure that you fully understand the features, terms and conditions, and risks of the new plan, the difference between the original plan and the new plan, as well as the implications and associated risks arising from the policy conversion programme.
14.“Full cover” shall mean no itemised benefit sub-limit and is only applicable to the reimbursement of the actual amount of eligible expenses and / or other expenses charged, subject to coinsurance (if applicable), deductible (if applicable), the annual benefit limit, lifetime benefit limit and other conditions as stated in this product brochure and the policy contract. “Full cover” applies to certain benefit items only. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
15.The service is only available for the insured of GBA EverGuard Medical Insurance aged 18 years old or above and is non-transferrable. For details, please refer to the terms and conditions stated on the designated website of the third party supplier.
16.The “Medical Green Pass” is not applicable to eligible persons who suffer from acute illness, have been involved in an accident, or require urgent or immediate medical assistance. AXA will arrange hospitalization or outpatient consultation as soon as practicable but cannot guarantee the specific time available for appointment.
17.Applicable only to designated medical insurance plans. Pre-approval may be arranged through healthcare providers within the AXA Signature Network or Chinese mainland hospital network. Once pre-approval has been obtained from AXA, eligible customers may enjoy cashless services without the need to pay covered medical expenses upfront. For details, please refer to the AXA Medical Service Network Promotion Leaflet.
18.Subject to the terms and benefits of the policy contract, you have a guaranteed right to renew the policy by making payment of the prevailing premium on each policy anniversary. “Age 100” refers to the policy anniversary on or immediately following the insured’s 100th birthday, whichever is earlier.
19.Certified Voluntary Health Insurance Scheme (VHIS) products are eligible for tax deductions on qualifying premiums paid by a policy holder for himself/herself and specified relatives. The maximum tax deduction for qualifying VHIS premiums is HKD 8,000 per insured person for each taxpayer. The insured person should be the taxpayer or any specified relatives, which cover your spouse and children; and you or your spouse's grandparents, parents and siblings. For more information, please visit www.ird.gov.hk or seek independent tax advice.
20.If after a no claim discount has been deducted, a claim incurred in respect of previous 5 policy years is paid under WiseGuard Pro, the no claim discount shall be re-calculated by taking into account the relevant claim paid, and the policy holder shall return to the Company the difference between the recalculated amount and the no claim discount actually paid to the policy holder immediately upon the Company’s reasonable request. For the avoidance of doubt, if a claim was incurred but no benefit was paid by reason of the deductible, the policy year concerned will still not be counted in the claim-free period. For details, please refer to the policy contract.
21.When the insured applies for the policy, AXA will not ask any questions about the insured’s medical history. However, when a claim is made, we will assess whether the medical condition of the insured is a pre-existing condition. Applicant must be aged between 14 days old and 80 years old (inclusive) at the time of application. For a newborn to be insured, he/she must have been fully discharged from the hospital at the time of enrolment. Policy application is also subject to the terms and conditions and availability of GlobalReach at the time of application.
22.Pre-existing condition only takes into account the medical conditions within 5 years before the policy date.Congenital conditions include manifested congenital conditions and non-manifested congenital conditions. Manifested congenital conditions benefit is available only for the Prestige and Comprehensive benefit levels, while non-manifested congenital conditions benefit is available for all benefit levels.For more details, please refer to the product brochure.
23.Experimental drugs benefit is applicable if the insured is diagnosed with designated Cancer and if experimental drug has been prescribed for the active cancer treatment or palliative care and treatment of such designated Cancer, provided that: (a) such treatment must be assessed and pre-authorised in writing; and (b) a medical certificate issued by a specialist must be provided to the Company to certify that the experimental drug is prescribed by and is deemed by the specialist to be an appropriate or recommended active Cancer treatment or palliative care and treatment of the designated Cancer of the insured. For any reasonable and customary charges incurred outside of Hong Kong, Macau and mainland China which are payable under this benefit, the amount payable under this benefit shall be reduced to 60% of the reasonable and customary charges incurred, subject to the respective limit(s) and the “benefit adjustment” provision of the policy contract.
24.For the details and definitions of the designated major incidents, please refer to the policy contract for details. The Waiver of Deductible for Major Incidents is not applicable to pre-existing conditions benefit and manifested congenital conditions benefit.
25.Service is provided by third-party service provider(s). AXA and the third party service provider(s) reserve the right to amend the terms and conditions from time to time without prior notice. AXA shall not be responsible for any services so provided or any act or failure to act on the part of the third-party service provider(s).
26.Source: 10Life Insurance Comparison Platform. The term "market exclusive" refers to AXA WiseGuard Pro Medical Insurance Plan, which is the only VHIS plan to win the 10Life 5-Star Insurance Award for five consecutive years across all room categories (general ward, semi-private room, and standard private room). Among these, the "Regular" and "Enhanced" coverage levels were rated as "5-Star Voluntary Medical Insurance" in the 10Life 5-Star Insurance Award 2024, while the "Premier" and "Noble" coverage levels were rated as "5-Star High-End Medical Insurance." Data as of 2 January 2026.
27.Source: Claim records provided by the AXA claims department for the year 2025.
28.Network healthcare facilities are independent third parties and are not agents of AXA. AXA shall not have any obligation or liability whatsoever in relation to the medical services and advices provided by the service providers and their network healthcare facilities and shall not be responsible for any act or failure to act on the part of network healthcare facilities are or its personnel (including doctors, nurses, or other medical staff).
