Product Features

 

Reimbursement protection of medical expenses up to age 100¹

 

Guaranteed renewal up to age 100²

 

No lifetime benefit limit

 

No waiting period

 

Choice of 3 different benefit levels to meet your unique needs

 

Optional supplementary major medical

 

No claim discount³

 

Worldwide emergency assistance⁴

Reimbursement protection of medical expenses up to age 100¹

Providing you with reimbursement protection of actual medical expenses up to age 100¹, including inpatient benefits such as room and board, surgery, hospital expenses, and pre- and post-confinement / day case procedure outpatient care.

Guaranteed renewal up to age 100²

Smart Medicare is open to everyone aged between 14 days and 80 years old. Renewal is guaranteed up to the age of 100²

No lifetime benefit limit

You may claim up to the respective sub-limits for each benefit item as stated in the benefit schedule in the relevant product brochure.

No waiting period

Your coverage starts as soon as your policy becomes effective. If you have a pre-existing condition that you were not aware of at the time you applied for your policy, your eligible expenses will be reimbursed in a sliding scale as stated in the relevant product brochure.

Choice of 3 different benefit levels to meet your unique needs

Our Regular, Superior and Premier benefit levels allow you to choose precisely the level of cover that best suits your budget and personal needs.

Optional supplementary major medical

Available as an optional top-up for Smart Medicare customers, our supplementary major medical provides partial reimbursement of specified hospital expenses incurred in excess of those covered under Smart Medicare.

No claim discount³

You can enjoy a no claim discount³ on your premium for staying healthy. 

Worldwide emergency assistance⁴

As our valued customer, you will automatically be entitled to use the worldwide emergency assistance provided by AXA Assistance. 

AXA launching the Customer Charter

To enable all customers to enjoy world class care at an affordable premium sustainably, we have formulated this Customer Charter to set out your Rights & Responsibilities and to achieve the best patient and customer experience.

Enquiries and complaints handling about VHIS

Please contact the following channels on respective enquiries:

AXA customer service
Please contact us here to lodge your enquiries or complaints.

Product availability, features of certified plan and compliance with VHIS code of practice
Please click here to contact Food and Health Bureau.  

General conduct of insurance companies and intermediaries.
Please click here to contact Insurance Authority.  

Tax deduction
Please click here to contact Inland Revenue Department.

This is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”).
Type of certified planVHIS Flexi Plan
Eligible tax deduction amount*A taxpayer is allowed a maximum annual deduction of HKD8,000 in respect of qualifying premiums paid for each insured person
Registered VHIS providersAXA China Region Insurance Company (Bermuda) LimitedAXA China Region Insurance Company Limited
Benefit levelVHIS certification numberVHIS certification number
HKD
USD
HKD
USD
Regular
F00017-01-000-01
F00017-04-000-01
F00018-01-000-01
F00018-04-000-01
Regular with supplementary major medical
F00017-01-001-01
F00017-04-001-01
F00018-01-001-01
F00018-04-001-01
Superior
F00017-02-000-01
F00017-05-000-01
F00018-02-000-01
F00018-05-000-01
Superior with supplementary major medical
F00017-02-001-01
F00017-05-001-01
F00018-02-001-01
F00018-05-001-01
Premier
F00017-03-000-01
F00017-06-000-01
F00018-03-000-01
F00018-06-000-01
Premier with supplementary major medical
F00017-03-001-01
F00017-06-001-01
F00018-03-001-01
F00018-06-001-01

Modal factor of premiums

Semi-annual and monthly premiums of Smart Medicare are calculated by multiplying the annual premium by the applicable modal factor. The modal factor for a basic plan is 0.52 (semi-annual) or 0.09 (monthly).  The modal factor for a rider plan is 0.5 / 0.52 (semi-annual) or 0.083334 / 0.09 (monthly), following its basic plan.

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Product brochure

Standard premium schedule

Meet a Consultant

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Contact AXA

Customer Hotline : (852) 2802 2812
VHIS Hotline: (852) 2894 4758
Business hour:
Monday - Friday: 09:00 - 17:30
Saturday: 09:00 - 13:00
Except Public Holidays