Smart Medicare is open to everyone aged between 14 days and 80 years old. Renewal is guaranteed up to the age of 100²

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.

Certified by the HKSAR, eligible plans under VHIS allow policy holders to enjoy tax deductions for premiums for themselves and all specified dependent(s). Each taxpayer can enjoy a maximum tax deductible limit of HKD8,000 for qualifying VHIS premiums paid for each insured person.

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.

You may claim up to the respective sub-limits for each benefit item as stated in the benefit schedule in the relevant product brochure.

Our Regular, Superior and Premier benefit levels allow you to choose precisely the level of cover that best suits your budget and personal needs.

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.

You can enjoy a no claim discount³ on your premium for staying healthy. 

As our valued customer, you will automatically be entitled to use the worldwide emergency assistance provided by AXA Assistance.