1. Subject to the terms and benefits 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. Full cover shall mean no itemised benefit sub-limit and is only applicable to the reimbursement of the actual amount of eligible expenses and / or other expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit and other conditions as stated in the product brochure and the policy contract. Full cover applies to certain benefit items only. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
   
3. The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or registered medical practitioner.

^ The premiums are calculated with reference to a number of factors including but not limited to the gender, residency and risk class of the insured person at the time of policy issuance. Premiums are not guaranteed and may be changed by the Company at any of the policy anniversaries. The premiums and benefits shown above are based on AXA WiseGuard Medical Insurance Plan; Regular benefit level of Smart Medicare; Enhance benefit level and HKD20,000 annual deductible for AXA Wiseguard Pro Medical Insurance Plan. The premiums displayed above are for basic plan and are calculated based on insured person with residency in Hong Kong or Macau. The premiums calculated are for reference only and the actual amount may be different from those illustrated. For product details, please refer to the relevant proposals, product brochures and policy contracts. Age selected shall be based on the age of the insured person on his or her last birthday. All premiums shown above are calculated based on basic plan and an 18-year-old non-smoking male insured person and residency in Hong Kong or Macau. Levy collected by the Insurance Authority is not yet reflected on above premiums. The above medical insurance products are underwritten by AXA China Region Insurance Company (Hong Kong) Limited / AXA China Region Insurance Company Limited (collectively, the “Company”).

The plan is subject to the terms, conditions and exclusions of the relevant policy contract. AXA reserves the final right to approve any application. This webpage contains general information only and does not constitute any contract between any parties and AXA. It is not a policy. For detailed terms, conditions and exclusions of the plan, please refer to the relevant policy provisions, which will be made available by the Company upon request and can be downloaded from this website.