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
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.
Smart Medicare is open to everyone aged between 14 days and 80 years old. Renewal is guaranteed up to the age of 100²
You may claim up to the respective sub-limits for each benefit item as stated in the benefit schedule in the relevant product brochure.
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.
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.
To enable all customers to enjoy world class care at an affordable premium sustainably, we have formulated this Customer Charter to set out your Rights & Responsibilities and to achieve the best patient and customer experience.
Please contact the following channels on respective enquiries:
AXA customer service
Please contact us here to lodge your enquiries or complaints.
Product availability, features of certified plan and compliance with VHIS code of practice
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 |
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.
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
1. 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 this product brochure.
2. 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.
3. If after a no claim discount has been deducted, a claim incurred in respect of previous 3 policy years becomes payable under Smart Medicare or Smart Medimoney (where applicable), the no claim discount shall be re-calculated by taking into account the relevant claim payable, 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, otherwise the Company will not pay such claim.
4. The provision of services are 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 the services by writing to AXA.
5. Except for the psychiatric treatment and medical negligence benefit, all covered benefits shall be applicable worldwide.
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.
