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.
Emma by AXA App and Portal* is your all-in-one insurance & health services platform, making your interactions with us easier and faster. You can now have our full support anytime, anywhere to keep your life always in check.
*Exclusive to Individual Life, Medical & Investment Policyholders
AXA BetterMe** is a holistic wellness platform with a comprehensive suite of programmes and services covering physical wellness support, mental wellbeing support and chronic disease management.
Access your personalised services under ‘My Privileges’ on Emma by AXA, and equip yourself to become stronger and more resilient, thus you can always get prepared and rise to any occasion with confidence and become a #BetterMe.
**Exclusive for Certain Eligible Policyholders
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.
In light of the continuing COVID-19 epidemic, we understand the utmost importance of safety and convenience for our customers. Both existing and new customers who are Hong Kong residents and currently in Hong Kong* can easily apply for AXA WiseGuard Medical Insurance Plan from home through the Digital Enrolment System.
Our Financial Consultants will explain to customers about the products and documents over the phone, and collect documents via electronic means such as WhatsApp or email. Alternatively, customers can also choose to submit their applications by mail to cater for their different needs. For details, please click here.
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
* The Digital Enrolment System is applicable to customer who fulfills the following conditions:
• Customer should be a Hong Kong Identity Card holder
• Customer lives in Hong Kong and the application should be signed in Hong Kong
• The new application is not to replace any existing life policy(ies)
• The customer decides to apply for relevant products, and does not require the Financial Consultant to provide product recommendations
• Due to outbreak of COVID-19, customer prefers not to have face-to-face sales interview
• No supplementary benefits to be attached to the application
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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