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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. 

View your policy, submit your claims and access many more services, all at your fingertips!

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

Promotions & Programmes

Discover AXA BetterMe services & offers

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 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
    HKDUSDHKDUSD
    RegularF00017-01-000-01F00017-04-000-01F00018-01-000-01F00018-04-000-01
    Regular with supplementary major medicalF00017-01-001-01F00017-04-001-01F00018-01-001-01F00018-04-001-01
    SuperiorF00017-02-000-01F00017-05-000-01F00018-02-000-01F00018-05-000-01
    Superior with supplementary major medicalF00017-02-001-01F00017-05-001-01F00018-02-001-01F00018-05-001-01
    PremierF00017-03-000-01F00017-06-000-01F00018-03-000-01F00018-06-000-01
    Premier with supplementary major medicalF00017-03-001-01F00017-06-001-01F00018-03-001-01F00018-06-001-01

    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.

    Download

    Product brochure

    Standard premium schedule

    Tax Deduction Series Product Leaflet

    Policy Terms and Conditions Specimen

    Digital Enrolment Process for easier access to insurance protection from home

    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.

    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

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