1. The aggregate period of the daily benefit and intensive care daily benefit payable will not exceed 90 days per confinement resulting from mental illness and 1,000 days per confinement resulting from other covered disabilities. A reduced benefit of HKD250 per day will be paid for hospital confinement in a place outside North America, Europe, Australia, New Zealand, Japan, Singapore, Taiwan, Hong Kong or Macau.
2. Subject to the terms and conditions of the policy contract, you have a guaranteed right to renew the policy by making payment of the prevailing premium in advance at the time of renewal on each policy anniversary. Without limiting the application of this renewal clause, if there is any misrepresentation, non-disclosure or fraud on the part of the insured, we shall have the right to terminate the policy, or to revise the terms and conditions of the policy.
3. If after a no claim discount has been given, a benefit in respect of any previous year becomes payable under any plan of the following policies, namely (i) SmartMedimoney or (ii) Smart Medicare or Smart Start Medical Insurance (only applicable if SmartMedimoney is attached to Smart Medicare or Smart Start Medical Insurance), the no claim discount given will be deducted from the benefit payable.
4. 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.
   

* The Digital Enrolment System is applicable to customer who fulfills 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