Want to talk to us?
Please input correct information.
We can only discuss insurance matters with you when you are in HK.
Please input correct information.
Please input correct information.

By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.

Smart Medicare

VHIS Certified Plan

Smart Medicare

VHIS Certified Plan

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?

No lifetime benefit limit

Smart Medicare does not impose a lifetime benefit limit on the medical expenses you incur, provided you stay within pre-agreed sub-limits of each benefit items.

Optional supplementary major medical cover

Smart Medicare gives you the option to get extra coverage with supplementary major medical, giving you up to 80% of specified major medical hospital expenses incurred in excess of those covered under Smart Medicare.

Choice of 3 tailored benefits level

Smart Medicare’s Regular, Superior and Premier benefit packages let you choose the coverage you need to suit your budget.

No claim discount1

Health is rewarding in itself. Smart Medicare rewards you too with a no claim discount³ on your premium for staying healthy.

Worldwide emergency assistance2

Seeking medical assistance in a foreign country can be scary. Smart Medicare gives you extra peace of mind abroad by offering you access to worldwide emergency assistance2 provided by AXA Assistance.

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. 
Apply now! It’s quicker and easier than you think.

Date of Birth

Mon
Tue
Wed
Thu
Fri
Sat
Sun

Gender

Male
Female

Smoking HabitSmoker defines as someone who has smoking habit or have smoked in the past 12 months

smoker
non-smoker
Need more information on VHIS?

Numbers to call if you have any issues, queries, or complaints on VHIS

Essential information on Smart Medicare

Modal factor of premiums

Change of ownership of the policy

FAQs

1. If I am insured by Smart Medicare, is there any ward class restriction during confinement?

2. Can I undergo more than one surgery in each hospitalisation?

3. Does Smart Medicare offer outpatient benefit?

4. As a Flexi Plan, does Smart Medicare include the optional supplementary major medical (SMM) option and Smart Medimoney supplement?

5. After a couple of policy years, will I still be covered if I work overseas and admits to hospital there?

Find out more about our VHIS products and offers

You may also be interested in

NEW

Enjoy up to 4% guaranteed interest*

Prepay your medical insurance premium for a guaranteed return

Nothing is a guarantee in this world... Except when AXA comes together with Gareth. T to bring you up to 4% guaranteed crediting interest rate, the highest return in Hong Kong!

Enrol now to enjoy up to 6 months’ premium refund!

* Terms and conditions apply.

Promotions & Programmes

Get More from Your Smart Medicare Insurance

Smart Medicare policyholders can now access our AXA BetterMe services for smarter, healthier living

Accessible via the EMMA by AXA app, AXA BetterMe is a holistic wellness platform making it easy for you to learn about your health conditions, set up work out challenges, virtual therapies and mindfulness classes and more. The ultimate goal is to help enhance your physical and mental wellbeing.

Download EMMA by AXA app now (for free) and find out what you can do to spend less, enjoy life more and get closer to becoming your #BetterMe.

Cashless Arrangement

for WiseGuard and Smart Medicare policyholders.

Meet our Financial Consultant via virtual appointment!

Experience our seamless digital enrollment platform! Meet, buy, sign, pay and upload documents safely from the comfort of your home. 

Meet a Consultant

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

Disclaimer

Want to talk to us?
Please input correct information.
We can only discuss insurance matters with you when you are in HK.
Please input correct information.
Please input correct information.
Maximum 250 characters
*Required

By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.

Want to talk to us?
Please input correct information.
We can only discuss insurance matters with you when you are in HK.
Please input correct information.
Please input correct information.
Maximum 250 characters
*Required

By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.