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Eligible plans for tax deduction

Medical & retirement solutions

Eligible plans for tax deduction

Medical & retirement solutions

Enjoy up to 7 months’ premium refund on AXA WiseGuard 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.

AXA WiseGuard Medical Insurance Plan

VHIS Standard Plan

WiseGuard is AXA’s VHIS Standard Plan that covers your essential medical needs according to VHIS standards and more. With WiseGuard, you’ll enjoy essential, quality protection backed by one of the largest insurers in the world. With AXA, you know you’re in safe hands.

  • 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 Flexi Plan

Smart Medicare is a VHIS Flexi Plan that gives you all the benefits of WiseGuard together with three tailored benefit levels to give you full flexibility on coverage. There is no limit to lifetime benefits and supplementary major medical cover is available as an option.  

  • 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 Flexi Plan

WiseGuard Pro is a VHIS Flexi Plan that offers a comprehensive range of benefits, such as full cover2 for hospitalisation surgical benefits, prescribed non-surgical cancer treatments and outpatient kidney dialysis without lifetime benefit limit, and no waiting period for unknown pre-existing conditions. WiseGuard Pro also offers a wide range of premium features to give you a well-guarded life.

  • 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 -
Plan smart to save more

(Tax savings: HKD9,708)

After 5 years in the workforce, Mabel begins to plan her future. She is looking for essential medical protection as well as financial security during her prime time.

Mabel (age 29) who successfully applies the below plans for herself:
1. WiseGuard Medical
2. IncomeEnrich

Annual salary: HKD384,000

Case 2: Married couple with children -
The more you protect, the more you save

(Tax savings: HKD25,058)

Upon entering their prime earning years, Mr. and Mrs. Chan decide to take out comprehensive health protection to each of their two children. Mr. Chan also wants to protect his family’s finances in case his health takes a turn for the worse. Meanwhile, Mrs. Chan dreams of travelling during retirement, and is looking for extra financial flexibility to do so with her husband.

Mr. Chan (age 37) & Mrs. Chan (age 36) who successfully apply the below plans for themselves:
1. WiseGuard Pro – Premium (Deductible: HKD50,000)
2. IncomeEnrich

And their son (age 10) and daughter (age 6):
3. Smart Medicare with SMM - Superior benefit level

Annual salary (joint assessment): HKD948,000

The example assumes that the total annual incomes of Mr. and Mrs. Chan are HKD816,000 and HKD132,000 respectively.

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Valid until 30 June 2022 
+Terms and conditions apply

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24-hour hotline: (852) 2894 4701

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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.
We can only discuss insurance matters with you when you are 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.