1. The woman check-up includes the following major items: (a) gynaecology consultation; (b) blood pressure measurement; (c) urine dipstick; (d) breast examination; (e) bedside pelvic ultrasound and (f) pap smear. Insured may enjoy the first woman check-up after the first policy anniversary provided that the policy is in force. Insured may enjoy the regular woman check-up once every two policy years after the first policy anniversary.

2. The following services are provided by third party service providers, including but not limited to network gynaecologists and network service providers, which are independent contractors and are not agents or servants of AXA: 
- gynaecology out-patient consultation;
- gynaecology follow-up tele-consultation;
- gynaecology treatment and medication;
- woman check-up;
- value-added services

AXA shall not be held responsible for or liable to the owner or the insured for anything in relation to such services provided by the third party service provider(s) and shall not be responsible for any act or failure to act on the part of the third party service provider(s).  AXA makes no representation, warranty or undertaking as to the availability, quality and suitability of the services and shall not be liable to the owner and/or the insured in any respect of any loss, damage, expense, suit, action or proceeding suffered or incurred by the owner and/or the insured, whether directly or indirectly, arising from or in connection with the services provided or advice given by any of the third party service providers or its agents or servants.  AXA reserves the right to amend the terms and conditions of such services from time to time without prior notice. Prior reservation is required for all services.

3. The first gynaecology consultation for each covered gynaecological condition must be done face-to-face. Follow-up tele-consultation by a network gynaecologist may be made available to the insured who is physically present in Hong Kong and suffering from a covered gynaecological condition provided that the insured has attended a face-to-face gynaecology out-patient consultation and that the attending network gynaecologist considers such tele-consultation medically necessary and suitable for the insured. If the total number of consultation visits exceed 8 times per policy year, the owner agrees to reimburse the Company in full for the shortfall within 15 days of receipt of a shortfall advice from the Company. For the avoidance of doubt, each of the gynaecology out-patient consultation and the gynaecology follow-up tele-consultation shall cover the consultation fee but shall not cover any cost of gynaecology treatments and/or medications.

4 The list of network gynaecologists and the list of network service providers are subject to change from time to time at AXA’s sole discretion without prior notice. For the list of network service providers, please see the list above under “Network Service Providers”.

5. The amount of copayment per visit shall be the higher of i) 30% of the eligible expense, or ii) eligible expense minus the maximum cover of HKD50,000 / USD6,250. For the avoidance of doubt, the gynaecology treatment and medication prescribed by the attending network gynaecologist and associated with such consultation covered under benefit item 1) and benefit item 2), shall be subject to the per visit limit as set out in the benefit schedule under the policy.

6. For the list of covered gynaecological concerns, please refer to the “Health tips” section in the product brochure.

7. The benefit will be paid per policy when the insured is diagnosed with a covered carcinoma-in-situ/cancer of the breast, uterine cervix, uterus, ovary, fallopian tube, vagina or vulva only. This benefit will be terminated automatically once it is paid.

8. The discount offers of value-added service cannot be used in conjunction with other promotional offers by AXA or its affiliates or any other service providers unless otherwise specified and may be changed by such third party service providers from time to time without notice. AXA reserves the right to change the services or third party service providers without giving prior notice.