1. 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.
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 on each policy anniversary.
3. 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. For the details of the no claim discount, please refer to the relevant product brochure and policy contract. 
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 from time to time without prior notice. Service is provided by third-party service provider(s). The Company shall not be responsible for any services so provided or any act or failure to act on the part of the third-party service provider(s).

* 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