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Eligible plans for tax deduction

Medical & retirement solutions

Eligible plans for tax deduction

Medical & retirement solutions

Enjoy 6 months’ premium refund on AXA WiseGuide Pro Medical Insurance Plan*!

* For details, please refer to the relevant promotion leaflet. Terms and conditions apply.

Tax Deduction Tips

Qualifying Deferred Annuity Policy
Individual Taxpayer can enjoy up to : HKD 60,0001

The premium paid under QDAP, which is certified by the Insurance Authority, is eligible for tax deduction.

Tax deductible limit annually.

Voluntary Health Insurance Scheme
Taxpayer can enjoy up to: HKD8,000

Certified by the HKSAR, eligible plan under VHIS allows policy holder to enjoy tax deductions for premiums for themselves and all specified dependent(s).

Maximum annual tax deduction in respect of qualifying premiums paid for each insured person.

Qualifying Deferred Annuity Policy
Voluntary Health Insurance Scheme
Individual Taxpayer can enjoy up to : HKD 60,0001
Taxpayer can enjoy up to: HKD8,000

The premium paid under QDAP, which is certified by the Insurance Authority, is eligible for tax deduction.

Certified by the HKSAR, eligible plan under VHIS allows policy holder to enjoy tax deductions for premiums for themselves and all specified dependent(s).

Tax deductible limit annually.

Maximum annual tax deduction in respect of qualifying premiums paid for each insured person.

AXA Tax Deductible Products

IncomeEnrich Deferred Annuity Plan (“IncomeEnrich”)

IncomeEnrich is certified by the Insurance Authority as a Qualifying Deferred Annuity Policy (“QDAP”) eligible for tax deductions. Policy owner can enjoy a maximum tax deductible limit up to HKD60,000¹ annually while married spouses can enjoy a maximum tax deductible limit up to HKD120,000¹ amongst themselves, provided that the deduction claimed by each tax payer does not exceed the individual limit of HKD60,000¹.

WiseGuard Medical Insurance Plan
(“WiseGuard Medical”)

VHIS Certified Plan

Standard Plan

WiseGuard Medical is a Standard Plan certified by the HKSAR under VHIS. Same tax deduction eligibility is provided as Smart Medicare.

  • Guaranteed renewal up to age 100
  • Annually refreshed benefit item limit with no lifetime benefit limit
  • No waiting period
  • Coverage for pre / post-confinement and day case procedure outpatient care
Smart Medicare

VHIS Certified Plan

Flexi Plan

Smart Medicare is a Flexi Plan certified by the HKSAR under the Voluntary Health Insurance Scheme (“VHIS”). It allows Hong Kong taxpayers to enjoy tax deductions for premiums for themselves and all specified dependent(s). Policy owner is allowed a maximum annual deduction of HKD8,000 qualified premiums paid for each insured person. There is no cap on the number of insured persons each year.

Smart Medicare offers you following benefits on top of VHIS Standard Plan.

  • Choice of 3 different benefit levels to meet your unique needs
  • Optional supplementary major medical
  • No claim discount
  • Worldwide emergency assistance
AXA WiseGuard Pro Medical Insurance Plan

VHIS Certified Plan

Flexi Plan

AXA WiseGuard Pro Medical Insurance Plan is a VHIS Flexi Plan, which offers you enhanced benefits on top of the VHIS Standard Plan. Notable benefits include full cover for hospitalisation and surgical benefits, prescribed non-surgical cancer treatments and outpatient kidney dialysis, no waiting period for unknown pre-existing conditions and no claim discount.

  • Full cover for hospitalisation and surgical benefits
  • Full cover for prescribed non-surgical cancer treatments and outpatient kidney dialysis
  • No waiting period for unknown pre-existing conditions
  • Quadruple security with extra and optional protections

How much can you save from QDAP and VHIS?

Case 1: Individual
(Tax savings HKD10,604)

Mabel (age 35) who successfully applied for:
1. WiseGuard Medical
2. IncomeEnrich

Annual salary: HKD 456,000

Case 2: Married couple with children
(Tax savings HKD25,116)

Mr. Lee (age 40) & Mrs. Lee (age 40) who successfully applied for:
1. Smart Medicare with SMM - Superior benefit level
2. IncomeEnrich

And their son(age 10) and daughter (age 5):
3. Smart Medicare with SMM - Superior benefit level

Annual salary (joint assessment): HKD960,000

The example assumes that the total annual incomes of Mr. and Mrs. Lee are HKD840,000 and HKD120,000 respectively.

Case 3: Married couple with parents
(Tax savings HKD23,120)

Mr. Chan (age 35) & Mrs. Chan (age 30) who successfully applied for:
1. WiseGuard Pro - Premier (Deductible: Nil)
2. IncomeEnrich

Annual salary (Joint assessment): HKD972,000

The example assumes that
(i) the total annual incomes of Mr. and Mrs. Chan are HKD840,000 and HKD132,000 respectively; and
(ii) Mr. and Mrs. Chan claim allowance in respect of 3 dependent parents aged 60 or over and 1 dependent parent aged 55; and
(iii) all of the dependent parents do not reside with Mr. and Mrs. Chan continuously throughout the whole year.

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Optimising tax benefits from home through digital

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 VHIS and Deferred Annuity products 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.

Meet a Consultant

Request an appointment or call with a financial consultant to learn more about our products, or for any enquiries related to your policy.

We are here to protect and our agents can reach out to you based on your preferred contact method.

Contact Us

24-hour hotline: (852) 2894 4701

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Please note our financial consultants will only be able to arrange appointment booking if you are not yet physically in HK
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By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.

Want to talk to us?
Please input correct information.
Please note our financial consultants will only be able to arrange appointment booking if you are not yet physically in HK
Please input correct information.
Please input correct information.
Maximum 250 characters
*Required

By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.