Certified by the HKSAR, eligible plans under VHIS allow policy holders to enjoy tax deductions for premiums for themselves and all specified dependent(s). Each taxpayer can enjoy a maximum tax deductible limit of HKD8,000 for qualifying VHIS premiums paid for each insured person.
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.
Smart Medicare is a VHIS Flexi Plan, which offers 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.
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.
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Date of Birth
No waiting period
Guaranteed renewal up to age 100 ¹
Coverage for unknown pre-existing conditions
- 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.
* Smoker defines as someone who has smoking habit or have smoked in the past 12 months
^ 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; Regular / 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 a 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 (Bermuda) Limited (Incorporated in Bermuda with limited liability) / AXA China Region Insurance Company Limited (collectively, the “Company”).
Information on this webpage is for reference only, and is not intended to be a complete description of the applicable terms and conditions. Please refer to the product brochure and policy contract for detailed terms and benefits. You should not purchase a policy based on the information on this website alone.