Who needs Smart Medicare?
Designed to cushion the life of those who need additional care and security, Smart Medicare is a VHIS-certified Flexi Plan that gives you all the basic benefits of a VHIS Standard Plan, together with three tailored benefit levels to suit a range of coverage needs. There is no limit to lifetime benefits and supplementary major medical cover is available as an option. This means you and your family can focus on important things in life without sweating over medical bills.
Please click here for more details of VHIS certified plans.
Why choose Smart Medicare?
Standard VHIS features
- No waiting period - Your coverage starts as soon as your policy becomes effective.
- Pre-existing condition - yes, we cover unknown pre-existing conditions – those that you don’t know you have at the time of application.
- Savings on tax - enjoy a maximum annual tax-deductible limit of HK$8,000^ per insured person
- Guaranteed renewal up to age 1003, 4 - with VHIS, your renewal is guaranteed until you are 100 years old.
Need more information on VHIS?
Numbers to call if you have any issues, queries, or complaints on VHIS
We are always happy to help and answer questions. Here are who you can reach for different enquiries:
AXA customer service
Call us here to make enquiries or lodge complaints.
VHIS product compliance rules
Click here to contact Health Bureau.
General conduct of insurance companies and intermediaries
Click here to contact Insurance Authority.
Tax deduction
Click here to contact Inland Revenue Department
Essential information on Smart Medicare
Smart Medicare is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”) of the Hong Kong Government. | ||
Registered VHIS providers | ||
Registered VHIS providers | AXA China Region Insurance Company (Hong Kong) Limited | AXA China Region Insurance Company Limited |
VHIS providers registration no. | ||
VHIS providers registration no. | 00014 (Registration effective date: | 00033 (Registration effective date: |
Type of certified plan | ||
Type of certified plan | VHIS Flexi Plan | |
Eligible tax deduction amount* | ||
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 | |
*For more information, please refer to www.ird.gov.hk or seek independent tax advice.
Registered VHIS providers | AXA China Region Insurance Company (Hong Kong) Limited | AXA China Region Insurance Company Limited | ||
Benefit level | ||||
Benefit level | VHIS certification number | VHIS certification number | ||
HKD | USD | HKD | USD | |
Regular | ||||
Regular | F00017-01-000-04 | F00017-04-000-04 | F00018-01-000-03 | F00018-04-000-03 |
Regular with supplementary major medical | ||||
Regular with supplementary major medical | F00017-01-001-04 | F00017-04-001-04 | F00018-01-001-03 | F00018-04-001-03 |
Superior | ||||
Superior | F00017-02-000-04 | F00017-05-000-04 | F00018-02-000-03 | F00018-05-000-03 |
Superior with supplementary major medical | ||||
Superior with supplementary major medical | F00017-02-001-04 | F00017-05-001-04 | F00018-02-001-03 | F00018-05-001-03 |
Premier | ||||
Premier | F00017-03-000-04 | F00017-06-000-04 | F00018-03-000-03 | F00018-06-000-03 |
Premier with supplementary major medical | ||||
Premier with supplementary major medical | F00017-03-001-04 | F00017-06-001-04 | F00018-03-001-03 | F00018-06-001-03 |
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.
Change of ownership of the policy
Subject to the approval of AXA at its discretion, the policy holder may transfer the ownership of the policy. We shall consider application of transfer of ownership at the time of policy renewal without any administration charge on the policy holder or transferee.
Please refer to the Policy Terms and Conditions and contact your financial consultant for the details.
Download product information here
FAQs
1. If I am insured by Smart Medicare, is there any ward class restriction during confinement?
There is no restriction for ward class but please note that there is benefit limit on room and board (using regular benefit level as example, the benefit limit is HKD800 per day with maximum 180 days per policy year).
2. Can I undergo more than one surgery in each hospitalisation?
Yes. The surgeon’s fee, anaesthetist's fee and operating theatre charges of each surgery will be subject to surgical category for the surgery in the schedule of surgical procedures and each benefit limit.
3. Does Smart Medicare offer outpatient benefit?
Smart Medicare provides pre- and post-confinement/ day case procedure outpatient care, but general outpatient consultation is not covered.
4. As a Flexi Plan, does Smart Medicare include the optional supplementary major medical (SMM) option and Smart Medimoney supplement?
Supplementary major medical option is a part of Smart Medicare. However, Smart Medimoney supplement is not part of VHIS Flexi Plan. The premiums of Smart Medimoney cannot be claimed for tax deductions.
5. After a couple of policy years, will I still be covered if I work overseas and admits to hospital there?
Except for psychiatric treatment and medical negligence benefit, all benefit items covered under Smart Medicare shall be applicable worldwide.
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Request an appointment with a financial consultant
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
Get a Quote
Find out more about our VHIS products and offers
Remarks
- If after a no claim discount has been deducted, a claim incurred in respect of previous 3 policy years is paid under Smart Medicare or Smart Medimoney (where applicable), the no claim discount shall be re-calculated by taking into account the relevant claim paid, and the policy holder shall return to the Company the difference between the recalculated amount and the no claim discount actually paid to the policy holder immediately upon the Company's reasonable request.
- The provision of services is subject to the terms and conditions of the worldwide emergency assistance. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. This is an optional service. Clients can opt-out from the services by writing to AXA.
- The benefit period of Smart Medicare is up to age 100 (age at last birthday) of the insured person, subject to the termination of policy as stated in section Important information of the relevant product brochure and in the policy contract.
- Subject to the terms and benefits of the policy contract, you have a guaranteed right to renew the policy by making payment of the prevailing premium on each policy anniversary.
^For more information, please refer towww.ird.gov.hk or seek independent tax advice.
⁺ The Digital Enrolment System is applicable to customer who fulfils 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
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 the Company upon request and can be downloaded from this website.
Smart Medicare is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”) of the Hong Kong Government. | ||
Registered VHIS providers | ||
Registered VHIS providers | AXA China Region Insurance Company (Hong Kong) Limited | AXA China Region Insurance Company Limited |
VHIS providers registration no. | ||
VHIS providers registration no. | 00014 (Registration effective date: | 00033 (Registration effective date: |
Type of certified plan | ||
Type of certified plan | VHIS Flexi Plan | |
Eligible tax deduction amount* | ||
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 | |
*For more information, please refer to www.ird.gov.hk or seek independent tax advice.
Registered VHIS providers | AXA China Region Insurance Company (Hong Kong) Limited | AXA China Region Insurance Company Limited | ||
Benefit level | ||||
Benefit level | VHIS certification number | VHIS certification number | ||
HKD | USD | HKD | USD | |
Regular | ||||
Regular | F00017-01-000-04 | F00017-04-000-04 | F00018-01-000-03 | F00018-04-000-03 |
Regular with supplementary major medical | ||||
Regular with supplementary major medical | F00017-01-001-04 | F00017-04-001-04 | F00018-01-001-03 | F00018-04-001-03 |
Superior | ||||
Superior | F00017-02-000-04 | F00017-05-000-04 | F00018-02-000-03 | F00018-05-000-03 |
Superior with supplementary major medical | ||||
Superior with supplementary major medical | F00017-02-001-04 | F00017-05-001-04 | F00018-02-001-03 | F00018-05-001-03 |
Premier | ||||
Premier | F00017-03-000-04 | F00017-06-000-04 | F00018-03-000-03 | F00018-06-000-03 |
Premier with supplementary major medical | ||||
Premier with supplementary major medical | F00017-03-001-04 | F00017-06-001-04 | F00018-03-001-03 | F00018-06-001-03 |
Prepay your medical insurance premium for a guaranteed return
MediEnhancer Supplement not only promises you steady guaranteed returns, but supports you in coping with ever-rising medical costs.
Enrol now!
* Terms and conditions apply.
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