Medical protection on the move
It is always exciting to move into new roles or turn a new page of life entering retirement. Life could never be better as now you can carry the very best of your medical protection with you.
As an existing member of an AXA group medical insurance scheme¹, you, your dependants and immediate family can continue to enjoy peace of mind from a comprehensive medical protection that PortaProtection (“the Plan”) can provide². It is also designed to top-up your group medical insurance coverage, enhancing coverage for yourself and your family. The Plan features lifetime coverage and worldwide protection. Existing members of an AXA group medical insurance scheme can enjoy guaranteed acceptance and no underwriting is required when applying for PortaProtection.
Product Features
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Enrollment Now
| Enrollment Hotline | (852) 2519 1213 |
| Business Hour | Monday - Friday: 09:00 - 18:00 |
| Except Saturday, Sunday & Public Holidays | |
| portaprotection@axa.com.hk |
Customer Services
| Customer Services Hotline | (852) 2519 1281 |
| Business Hour | Monday - Friday: 08:00 - 20:00 |
| Except Saturday, Sunday & Public Holidays | |
| porta@axa.com.hk |
Remarks
- An AXA group medical insurance scheme refers to a selected group medical insurance scheme provided by AXA General Insurance Hong Kong Limited or AXA China Region Insurance Company Limited (“AXA”).
- Subject to age limitation and eligibility. Please refer to sections PortaProtection at a glance and Enrolment guidelines of the product brochure for details.
- Insured person is required to declare if he / she has any coverage of group medical insurance scheme provided by any insurance company upon claim request. Claim payment shall be made against the group medical policy of the insured person first (if any). Any unpaid portion of the eligible expense shall then be claimed under the PortaProtection policy (subject to the coverage under the policy).
- No underwriting is required for eligible existing members of an AXA group medical insurance scheme who can enjoy guaranteed acceptance. Health declaration is required for eligible applicants who are not existing members of an AXA group medical insurance scheme and the applications of such eligible applicants are subject to underwriting approval. Exclusions may apply.
- Application will not be accepted if any applicant has cancelled a PortaProtection policy previously.
- Except for any exclusions applicable to the insured person as stated under the relevant AXA group medical insurance scheme or the PortaProtection plan.
- Premium rates are not guaranteed and terms and conditions of renewal may also change. AXA reserves the right to review and adjust the premium rates on each policy anniversary of the PortaProtection policy. We consider factors including but not limited to (i) AXA claims and policy persistency experience and (ii) expected claim outgo from all policies under this plan in future years, reflecting the impact of medical trend, medical cost inflation and product feature revisions.
- Deductible (if applicable) is the aggregate amount of eligible expenses claimed that the insured person will have to bear each policy year before any medical benefits are payable under PortaProtection. This amount will be deducted from any reimbursement made to the insured person by AXA. The policyholder may apply for adding or removing the deductible (if applicable) at each policy anniversary subject to our underwriting acceptance of the insured person, or may apply for removing the deductible (if applicable) of the policy at age 55, 60 or 65 of the insured person within 30 days before the relevant policy anniversary without providing further evidence of insurability on the insured person. The right of removal of the deductible (if applicable) can only be exercised once in the lifetime of the insured person. For the avoidance of doubt, acceptance or non- acceptance by AXA of the any addition or removal of the deductible (if applicable) must be confirmed in writing by AXA before the change can become effective.
- This service is applicable to the insured person age 18 or above and will be provided in Hong Kong only. The provision of services is subject to the terms and conditions of the Family Care Services Programme. This Family Care Services is arranged by AXA, while the services are provided by third party service provider appointed by AXA which is an independent third party and not an agent of AXA. AXA reserves the right to amend the terms and conditions thereof 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.
- The rates of premiums and any rates of premium discounts or surcharges shall be prescribed from time to time by AXA which shall also have the right to prescribe the method of payment of premiums.
Disclaimer
The plan is subject to the terms, conditions and exclusions of the relevant policy contract. AXA reserves the final right to approve any application. This webpage contains general information only and does not constitute any contract between any parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the plan, please refer to the relevant policy provisions, which will be made available by AXA upon request.
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