Thousands of thoughts run through our heads every day. When facing health challenges, it can be overwhelming to take everything or every thought into account.
Therefore, AXA cares about your thoughts, and our series of medical insurance plans addresses your needs more comprehensively. Along with providing protection, we prioritise the most pressing concerns on your mind. By putting you at the center of our health coverage, we uphold our leadership in the industry.
Three major advantages
Leading medical experience in Hong Kong
- Market exclusive2 - The only VHIS plan in the market that achieved 5-Star rating of 10Life Medical Coverage for all three ward classes with no lifetime benefit limit.
- Annual benefit limit of up to HKD60,000,000 per policy year3
Wherever you are, your medical coverage goes with you
A medical network spanning multiple countries - over 2,000 hospitals4 in Hong Kong and mainland China, and more than 10,000 medical service providers around the globe5
Exceptional value - only HKD9 per day1
Enjoy medical experience with waive of deposit for admission and cashless service at discharge6
AXA Signature Network7
- CUHK Medical Centre
- Gleneagles Hospital Hong Kong
- Hong Kong Baptist Hospital
- Hong Kong Sanatorium & Hospital
- Matilda International Hospital
- Union Hospital
- Hong Kong Adventist Hospital – Stubbs Road
【Limited time offer】
Enjoy 6 Months’ premium refund*!
*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.
Our Awards
Multiple medical coverage options tailored to meet your needs
Smart Medicare
- Starting at HKD7/day only8
- Choice of 3 tailored benefit levels
- No lifetime benefit limit
- Optional supplementary major medical cover provides up to 80% extra reimbursement of hospital expenses in excess of the benefit limit
- No waiting period - Your coverage starts as soon as your policy becomes effective
- Tax Savings – Up to HKD8,000 annual tax-deductible limit9
- Guaranteed renewal up to age 10010
AXA WiseGuard Pro Medical Insurance Plan
- Starting at HKD9/day only1
- Annual benefit limit of up to HKD40,000,000 per policy year, with no lifetime benefit limit
- Enjoy cashless service with over 10,000 medical service providers around the globe5
- Full cover11 for eligible hospitalisation and surgical benefits
- Flexible coverage options: 4 benefit levels and 3 deductible choices
- Full cover11 for prescribed non-surgical cancer treatments12 (including targeted therapy, and immunotherapy)
- No waiting period for unknown pre-existing conditions
- The only2 VHIS plan in the market that achieved 5-Star rating of 10Life Medical Coverage for all three ward classes with no lifetime benefit limit
- Tax Savings – Up to HKD8,000 annual tax-deductible limit9
- Guaranteed renewal up to age 10013
GlobalReach Medical Insurance Plan
- Starting at HKD16/day only14
- Annual benefit limit of up to HKD60,000,000 per policy year, with no lifetime benefit limit
- Highly flexible: Choose from 48 coverage combinations, allowing you to customise coverage areas, benefit levels, and deductible options
- Coverage for hospitalisation and outpatient expenses, including dental, optical, and maternity care15, 16
- Specialised extended care for Cancer and Stroke, along with deductible waivers17
- No health declaration18 and guarantee renewal 19
- Coverage of pre-existing and congenital conditions 20
- Global access to network hospitals21 in around 130 countries
Evaluating which plan is the best fit for you?
Request a complimentary consultation today. Our financial advisors will prioritise your needs and recommend the most appropriate plan for you.
Remarks：
Disclaimer：
Reward 3E - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3E 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 3E
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△,10 |
△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.
10. For details of Reward 3E, please refer to the section of Reward 3E of the Terms and Conditions stated in the promotion leaflet.
Max Goal II Insurance Plan Premium Discount
Table 3F
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 3F# (% of Single Premium of Eligible Basic Plan of Reward 3F) | ||||||
Below USD500,000 | ||||||||
Below USD500,000 | Below RMB3,250,000 | Below HKD4,000,000 | 1%11 | |||||
USD500,000 - USD999,999 | ||||||||
USD500,000 - USD999,999 | RMB3,250,000– RMB6,499,999 | HKD4,000,000– HKD7,999,999 | 2%11 | |||||
USD1,000,000 or above | ||||||||
USD1,000,000 or above | RMB6,500,000 or above | HKD8,000,000 or above | 3%11 | |||||
11. 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 3C – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund
During the Promotion Period, if customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, customer may be entitled to premium refund on future premium(s).
Table 3C
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 3C# (% of the total AFYP of Eligible Policy of Reward 3C) | |||||
Premium Refund Percentage on Each Eligible Policy of Reward 3C# (% of the total AFYP of Eligible Policy of Reward 3C) | Premium Refund Percentage on Each Eligible Policy of Reward 3C# (% of the total AFYP of Eligible Policy of Reward 3C) | 5%8 | 10%8 | 7%8 | |
8. For details of Reward 3C, please refer to the section of reward 3C 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 | ||||||
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Basic Premium Refund of Reward 2A | |||||
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | 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 of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Premium Payment Term | 10 years | 15 years | 20 years | 25 years | |
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Premium Refund on Each Eligible Basic Plan of Reward 2A# | 2 months5 | 2 months5 | 3 months5 | 3 months5 | |
5. 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).
“5-Star VHIS Award” from 10Life 5-Star Insurance Award 2024
“5-Star High End Medical Insurance Award” from 10Life 5-Star Insurance Award 2024
“Outstanding Voluntary Health Insurance Scheme Award” from Metro Finance’s “GBA Insurance Awards 2024" – Hong Kong & Macau Region
“Excellent Brand of Voluntary Health Insurance Scheme” from Metro Finance’s “Hong Kong Leaders' Choice 2024”
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