Illness and injuries may strike without warning, it is absolutely not worth the loss if you miss the prime time for treatment due to your financial hardships. Under the Voluntary Health Insurance Scheme (“VHIS”), AXA brings you “AXA WiseGuard Pro Medical Insurance Plan”, “Smart Medicare” and “AXA WiseGuard Medical Insurance Plan”, providing you comprehensive and flexible protection.

AXA WiseGuard Medical Insurance Plan

A VHIS standard plan that covers your essential medical needs, protect you against the uncertainty.

Smart Medicare

A comprehensive medical protection plan that safeguard yourself against enormous medical expenses; allows you to get the care you need, and achieve your plans in life with ease.

AXA WiseGuard Pro Medical Insurance Plan

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

Why VHIS?

No waiting period

Guaranteed renewal up to age 100 ¹

Coverage for unknown pre-existing conditions

Why AXA VHIS Flexi Plan?

In addition to “AXA WiseGuard Medical Insurance Plan”(VHIS Standard Plan) , we offer VHIS Flexi Plan with more extensive protections to bring you enhanced benefits. “AXA WiseGuard Pro Medical Insurance Plan” and “Smart Medicare” are VHIS Flexi Plan, which offer the following unique product features and additional services on top of VHIS Standard Plan.

No claim discount¹⁸

For “AXA WiseGuard Pro Medical Insurance Plan” and “Smart Medicare”, you can enjoy a no claim discount¹⁸ on your premium for staying healthy. 

Worldwide emergency assistance¹⁹

For “AXA WiseGuard Pro Medical Insurance Plan” and “Smart Medicare” , as our valued customer, you will automatically be entitled to use the worldwide emergency assistance¹⁹ provided by AXA Assistance.

No lifetime benefit limit

For "Smart Medicare", you may claim up to the respective sub-limits for each benefit item as stated in the benefit schedule in the relevant product brochure.

Full cover² for hospitalisation and surgical benefits

For “AXA WiseGuard Pro Medical Insurance Plan”, your eligible hospitalisation and surgical expenses will be fully covered² without sub-limit constraint for major items such as room & board, surgeon’s fee, anaesthetist’s fee, operating theatre charges and prescribed diagnostic imaging tests, etc.

Full cover³ for prescribed non-surgical cancer treatments and outpatient kidney dialysis

For “AXA WiseGuard Pro Medical Insurance Plan”, you will be fully covered³ on eligible expenses resulting from cancer treatments (including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy) and outpatient kidney dialysis.

No waiting period for unknown pre-existing conditions

For “AXA WiseGuard Pro Medical Insurance Plan”, you will be fully reimbursed without any waiting period on eligible expenses arising from your unknown pre-existing conditions which you are reasonably unaware of at the time of insurance application, subject to the benefit schedule and the policy contract.

Comparison between the benefit items of our VHIS plans

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Choose a AXA VHIS plan suitable for you

Protection needs vary from person to person. AXA provides you with the flexibility to choose the coverage that best meets needs of you and your loved one.

STANDARD PLAN
Starting at HKD 1,544^per annum
FLEXI PLAN
Starting at HKD 1,810^per annum
FLEXI PLAN
Starting at HKD 3,432^per annum
Hospitalisation and surgical benefits 20

Coverage up to respective benefit sub-limits per policy year

Coverage up to respective benefit sub-limits per policy year

Full cover²

Full cover²
Enhanced benefit

Coverage up to respective benefit sub-limits per policy year

Specified items: Full cover²

Specified items: Full cover²
Supplementary Major Medical

Extra premium will be charged if chosen4

(Full compensation available to all core benefits)

(Full compensation available to all core benefits)
Deductible
Nil
Nil
HKD 20,000 ⁵
Per policy year
HKD 20,000 ⁵
Per policy year
Annual Benefit Limit
HKD420,000 ⁶
Per policy year
Nil
HKD5,000,000 ⁷
Per policy year
HKD10,000,000 ⁷
Per policy year
Lifetime Benefit Limit
Nil
Nil
HKD20,000,000 ⁸
Per policy year
HKD40,000,000 ⁸
Per policy year
Ward class
No Restriction
No Restriction
Ward
Semi-Private
Geographical limitation
No Restriction
No Restriction
Greater China ⁹
Asia (Including Australia and New Zealand)¹⁰
Additional Services
AXA Signature Network ¹¹
Free hospital admission deposit guarantee service in Mainland China ¹² ¹³ ¹⁴
Free second medical opinion ¹⁴ ¹⁵
AXA nurse hotline ¹⁴ ¹⁶
Case management ¹⁴ ¹⁷
Worldwide emergency assistance¹⁹
No claim discount¹⁸
Up to 15% off
Up to 15% off
Up to 15% off

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