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 3,000 hospitals4 in Hong Kong and mainland China, and more than 10,000 medical service providers around the globe5
Exceptional value - only HKD10 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
Enjoy up to 7 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 HKD10/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：
- The premium shown above is based on the annual premium for AXA WiseGuard Pro Medical Insurance Plan at the "Regular" benefit level (HKD 50,000 annual deductible). Calculated for a 30-year-old non-smoking male insured residing in Hong Kong or Macau under the basic plan.
- 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.
- Only applicable to GlobalReach Medical Insurance Plan - Prestige benefit level.
- Eligible AXA clients can access medical services at designated network hospitals in mainland China. The list of network hospitals is subject to change from time to time.
- Only applicable to designated medical plans and benefit levels. The list of hospital service providers is subject to change from time to time.
- Only applicable to designated medical plans, allowing clients to access services at designated healthcare network institutions without prepayment and enjoy cashless services. For more details, please refer to the promotion leaflet of AXA Signature Network.
- The number and list of hospitals may be subject to change from time to time. Network doctors and healthcare institutions are independent third parties and are not agents of AXA. For further details, please refer to the relevant promotion leaflets.
- The premium shown above is calculated based on the annual premium for regular plan of Smart Medicare for a 30-year-old non-smoking male insured person and residency in Hong Kong or Macau.
- For more information, please refer to www.ird.gov.hk or seek independent tax advice.
- The benefit period of Smart Medicare is up to age 100 (age at last birthday) of the insured person, subject to the termination of policy as stated in section Important information of the relevant product brochure and in the policy contract. 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.
- 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 after deducting the remaining deductible (if any), and is subject to the annual benefit limit and other conditions as stated in the 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.
- Full cover of prescribed non-surgical cancer treatments is subject to the annual benefit limit, deductible (if any) and other conditions as stated in the product brochure and the policy contract. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
- 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.
- The premium shown above is calculated based on the annual premium of GlobalReach Medical Insurance Plan at Essential benefit level, Asia area of cover and HKD100,000 deductible for a 30-year-old non-smoking male insured person and residency in Hong Kong or Macau.
- Dental, optical, and pregnancy coverage is applicable to Prestige benefit levels.
- Pre- and post-natal complications benefit and pregnancy and delivery benefit are only available to the insured who is a mother and is over the age of 18.
- Subject to relevant requirements. Terms and conditions apply.
- 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.
- GlobalReach Medical Insurance Plan offers guaranteed renewal until the insured reaches age 100. Subject to all the terms and conditions of the policy contract, you have a guaranteed right to renew the policy by advance payment of the appropriate annual premium on each policy anniversary.
- 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.
- The list of network hospitals is subject to change from time to time at AXA’s sole discretion without prior notice.
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 relevant product brochure, policy contract and promotion leaflet for details for detailed terms and conditions. You should not purchase a policy based on the information on this website alone.
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.
“5-Star VHIS Award” from 10Life 5-Star Insurance Award 2026
“5-Star High End Medical Insurance Award” from 10Life 5-Star Insurance Award 2026
“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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