Reimbursement for medical expenses
Optional Supplementary Major Medical Benefit
Optional extra protection
Guaranteed renewability¹
No claim discount²
Worldwide emergency assistance³
Reimbursement for medical expenses
Smart Start Medical Insurance reimburses the actual medical expenses up to age 100⁴, including inpatient benefits such as room and board, surgery, hospital expenses and out-patient surgery etc.
Optional Supplementary Major Medical Benefit
Our Supplementary Major Medical Benefit provides partial reimbursement of specified hospital expenses incurred in excess of those covered under Smart Start Medical Insurance.
Optional extra protection
You may combine Smart Start Medical Insurance with other optional supplements such as Smart Medimoney for even better protection.
Guaranteed renewability¹
Guaranteed annual renewal¹ of Smart Start Medical Insurance which gives you added peace of mind.
No claim discount²
Subject to the terms and conditions of the policy contract, you may enjoy a no claim discount² upon policy anniversary.
Worldwide emergency assistance³
As our valued customer, you will automatically be entitled to use the worldwide emergency assistance³ 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.
In light of the continuing COVID-19 epidemic, we understand the utmost importance of safety and convenience for our customers. Both existing and new customers who are Hong Kong residents and currently in Hong Kong* can easily apply for Smart Start Medical Insurance from home through the Digital Enrolment System.
Our Financial Consultants will explain to customers about the products and documents over the phone, and collect documents via electronic means such as WhatsApp or email. Alternatively, customers can also choose to submit their applications by mail to cater for their different needs. For details, please click here.
Request an appointment with a financial consultant
Customer Hotline : (852) 2802 2812
Business hour:
Monday - Friday: 09:00 - 17:30
Saturday: 09:00 - 13:00
Except Public Holidays
1. 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 on each policy anniversary.
2. If a benefit in respect of any previous year becomes payable under Smart Start Medical Insurance or Smart Medimoney (where applicable), the no claim discount given will be deducted from the benefit payable.
3. 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.
4. The benefit period of Smart Start Medical Insurance is up to age 100 (age at last birthday) of the insured, subject to the termination of policy as stated in section Important information of the relevant product brochure.
* 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
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.
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