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.
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.
Please contact the following channels on respective enquiries:
AXA customer service
Please contact us here to lodge your enquiries or complaints.
Product compliance rules of VHIS
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 plan | VHIS 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 providers | AXA China Region Insurance Company (Bermuda) Limited | AXA China Region Insurance Company Limited | ||
|---|---|---|---|---|
| Benefit level | VHIS certification number | VHIS 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 |
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.
Request an appointment with a financial consultant
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
^ Smoker defines as someone who has smoking habit or have smoked in the past 12 months
Disclaimer
Information on this webpage is for reference only, and is not intended to be a complete description of the applicable terms and conditions. Please refer to the product brochure and policy contract for detailed terms and benefits. You should not purchase a policy based on the information on this website alone.
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