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.
What is VHIS?
Introduced by the Health Bureau to improve consumers’ access to private healthcare, the Voluntary Health Insurance Scheme (VHIS) ensures all insurance plans certified under this government scheme meet a set of minimum standards and benefits, as featured below.
Standard VHIS Features
AXA offers 3 VHIS-Certified Plans
Starting at
HKD 139 ^/month
AXA WiseGuard Medical Insurance 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.
Starting at
HKD 182.3 ^/month
Smart Medicare
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.
Starting at
HKD377.6 ^/month
AXA WiseGuard Pro Medical Insurance 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.
Looking for health protection while enjoying tax deductions?
Try our TaxBliss Calculator now and discover how 'WiseGuard Pro' can provide you with both!
Migrate your existing individual hospital insurance policy to Standard Plans or Flexi Plans (“Certified Plans”) to enjoy VHIS's benefits
Read more about VHIS here
Read more about the key advantages of VHIS and how it is revolutionising healthcare for Hong Kong people.
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* Terms and conditions apply.
Promotions & Programmes
Get More from Your VHIS Insurance
VHIS policyholders can now access our AXA BetterMe services for smarter, healthier living
Accessible via the EMMA by AXA app, AXA BetterMe is a holistic wellness platform that makes it easy for you to learn about your health conditions, set up workout challenges, mindfulness classes and more. The ultimate goal is to help enhance your physical and mental wellbeing.
Download EMMA by AXA app now (for free) and find out what you can do to spend less, enjoy life more and get closer to becoming your #BetterMe.
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Prepay your medical insurance premium for a guaranteed return
MediEnhancer Supplement not only promises you steady guaranteed returns, but supports you in coping with ever-rising medical costs.
Enrol now!
* Terms and conditions apply.
Reward 3C - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3C of the Promotion provides customers an offer of guaranteed preferential interest rate of 4.5% per annum△ on the prepaid amount for the 1st policy year.
To enjoy this offer, simply opt for lump sum payment arrangement and pay a lump sum payment with levy at the time of application of your Max Wealth Insurance Plan. The lump sum payment with levy to be applied as follows:
(i) pay for annual premium of the 1st policy year and the corresponding levy ; and
(ii) deposit fund in advance into the future premium deposit account for premium payment of the 2nd policy year (“Prepaid Amount”) and the corresponding levy. The Prepaid Amount will accumulate interest in the 1st policy year at a guaranteed preferential interest rate of 4.5% per annum in the future premium deposit account. At the end of the 1st policy year, the interest accrued will be credited to the future premium deposit account, and the Prepaid Amount and its accrued interest will be equal to the annual premium of the 2nd policy year and will be automatically deducted from the future premium deposit account to settle the annual premium for the 2nd policy year and the corresponding levy when due.
Table 3C
Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate | |
Designated Basic Plan | |
Designated Basic Plan | Max Wealth Insurance Plan ^ |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | 4.5% per annum△,9 |
“First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers
If a customer (i) is a holder of and / or an insured under a basic plan of Max Wealth Insurance Plan and (ii) successfully applies for a TotalAssure Critical Illness Plan / TotalAssure Plus Critical Illness Plan within the Promotion Period, the customer may be entitled to the “First 10 Years TotalAssure Coverage Benefit” , subject to relevant terms and conditions as set out in the leaflet for the “First 10 Years TotalAssure Coverage Benefit” Programme for Selected Savings Plans Customers. For details, please refer to the relevant programme leaflet. Act now to seize this limited offer!
△The guaranteed preferential interest rate of 4.5% per annum is applicable to the Prepaid Amount only.
^ Only applicable to Max Wealth Insurance Plan with the Lump Sum Payment arrangement selected.
9. For details of Reward 3C, please refer to the section of Reward 3C of the Terms and Conditions stated in the promotion leaflet.
Max Goal II Insurance Plan Premium Discount
Table 3D
Max Goal II Insurance Plan Premium Discount | ||||||||
Designated Basic Plan | ||||||||
Designated Basic Plan | Designated Basic Plan | Max Goal II Insurance Plan | ||||||
Single Premium of Designated Basic Plan | ||||||||
Single Premium of Designated Basic Plan | Single Premium of Designated Basic Plan | Premium Discount Percentage on Each Eligible Basic Plan of Reward 3D# (% of Single Premium of Eligible Basic Plan of Reward 3D) | ||||||
Below USD500,000 | ||||||||
Below USD500,000 | Below RMB3,250,000 | Below HKD4,000,000 | 1%11 | |||||
USD500,000 - USD999,999 | ||||||||
USD500,000 - USD999,999 | RMB3,250,000– RMB6,499,999 | HKD4,000,000– HKD7,999,999 | 2%11 | |||||
USD1,000,000 or above | ||||||||
USD1,000,000 or above | RMB6,500,000 or above | HKD8,000,000 or above | 3%11 | |||||
11. For details of Reward 3D, please refer to the section of Reward 3D of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 3A – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund
During the Promotion Period, if customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, customer may be entitled to premium refund on future premium(s).
Table 3A
Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan Premium Refund | |||||
Designated Basic Plans | |||||
Designated Basic Plans | Designated Basic Plans | Wealth Advance Savings Series II – Ultimate | Wealth Ultra Savings Plan | ||
Premium Payment Term | |||||
Premium Payment Term | Premium Payment Term | 5 years | 10 years | 8 years | |
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | |||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | USD5,000 or above | |||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | |||||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | 5%7 | 10%7 | 7%7 | |
7. For details of Reward 3A, please refer to the section of reward 3A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 2A – Designated Critical Illness Products Premium Refund
Table 2A
Designated Critical Illness Products Premium Refund | ||||||
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Basic Premium Refund of Reward 2A | |||||
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Designated Basic Plans | - TotalAssure Critical Illness Plan - TotalAssure Critical Illness Plan – Baby Pro - TotalAssure Plus Critical Illness Plan - TotalAssure Plus Critical Illness Plan – Baby Pro | ||||
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Premium Payment Term | 10 years | 15 years | 20 years | 25 years | |
Basic Premium Refund of Reward 2A | ||||||
Basic Premium Refund of Reward 2A | Premium Refund on Each Eligible Basic Plan of Reward 2A# | 2 months6 | 2 months6 | 3 months6 | 3 months6 | |
Extra Premium Refund of Reward 2A | ||||||
Extra Premium Refund of Reward 2A | Extra Premium Refund of Reward 2A | |||||
Extra Premium Refund of Reward 2A | ||||||
Extra Premium Refund of Reward 2A | If a customer also successfully submits an application for a basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan, customer may be entitled to an extra premium refund of up to 2 months’ premium on each of the Eligible Basic Plan of Reward 2A | |||||
Extra Premium Refund of Reward 2A | ||||||
Extra Premium Refund of Reward 2A | Extra Premium Refund on Each Eligible Basic Plan of Reward 2A# | + 1 month | + 2 months | |||
Extra Premium Refund of Reward 2A | ||||||
Extra Premium Refund of Reward 2A | Total | 3 months6 | 3 months6 | 5 months6 | 5 months6 | |
6. For details of Reward 2A, please refer to the section of Reward 2A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
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