# AXA Hong Kong (AXA 安盛香港)

> AXA Hong Kong is a leading composite insurer serving Hong Kong, offering medical, critical illness, life, savings, annuity, travel, home, motor and employee-benefits insurance to individuals and businesses. Regulated by the Hong Kong Insurance Authority (IA).
> AXA 安盛是香港領先的綜合保險公司,提供醫療、危疾、人壽、儲蓄、年金、旅遊、家居、汽車及僱員福利保險,業務受香港保險業監管局(IA)監管。

Scope: this llms.txt indexes AXA Hong Kong's **product pages and customer-service pages only** (deliberately excludes corporate, blog, recruitment and campaign pages for long-term maintainability). Content is available in Traditional Chinese (`/zh`), English (`/en`) and Simplified Chinese (`/cn`). English pages are listed first, followed by the Traditional Chinese equivalents. All links are official www.axa.com.hk pages.

## English (EN)

### Health & Medical Insurance
- [Health & Medical Insurance overview](https://www.axa.com.hk/en/health-insurance): Main directory for medical and critical illness protection
- [VHIS Series](https://www.axa.com.hk/en/vhis-series): Government-certified Voluntary Health Insurance Scheme, guaranteed renewal, Standard and Flexi plans, tax-deductible premiums
- [AXA WiseGuard Pro Medical Insurance Plan](https://www.axa.com.hk/en/axa-wiseguard-pro-medical-insurance-plan): VHIS Flexi plan, high-end hospital and surgical cover
- [AXA WiseGuard Medical Insurance Plan](https://www.axa.com.hk/en/axa-wiseguard-medical-insurance-plan): VHIS-certified plan covering essential medical needs
- [Smart Medicare](https://www.axa.com.hk/en/smart-medicare): VHIS Flexi plan with three tailored benefit levels
- [VHIS product comparison with instant quotes](https://www.axa.com.hk/en/health-insurance-advisor/medical): Compare and quote WiseGuard, Smart Medicare and WiseGuard Pro
- [Medical Protection](https://www.axa.com.hk/en/medical-protection): Main directory for medical protection insurance plans
- [Global Reach Medical Insurance Plan](https://www.axa.com.hk/en/global-reach-medical-insurance-plan): Worldwide medical cover for cross-border and overseas needs
- [Critical Illness Protection](https://www.axa.com.hk/en/critical-illness-protection): Main directory for critical illness protection plans
- [Critical illness plan comparison](https://www.axa.com.hk/en/health-insurance-advisor/critical-illness): Compare premium and coverage of HealthSelect II, TotalAssure and TotalAssure Plus
- [TotalAssure Plus Critical Illness Plan / BabyPro](https://www.axa.com.hk/en/total-assure-plus-critical-illness): All-round critical illness plan, multiple claims, total coverage up to 1300% of sum insured
- [TotalAssure Critical Illness Plan / BabyPro](https://www.axa.com.hk/en/total-assure-critical-illness): All-round critical illness plan with continuous cancer protection, total coverage up to 1000% of sum insured
- [Critical Illness Protection Supplements](https://www.axa.com.hk/en/extra-care-insurance-plan): Affordable supplement plans covering major and minor illnesses

### Savings
- [Savings Plans overview](https://www.axa.com.hk/en/savings-plans): Main directory for savings insurance
- [WealthAhead II Savings Insurance Series](https://www.axa.com.hk/en/wealth-ahead-ii-savings-insurance): Wealth growth and legacy planning, limited-time 2-year premium payment term
- [FortuneXtra Savings Plan](https://www.axa.com.hk/en/fortune-xtra-savings-plan): Mid/long-term savings with multi-currency flexibility and liquidity
- [Max Wealth Insurance Plan](https://www.axa.com.hk/en/max-wealth-insurance-plan): Participating life plan, 2-year premium term with lump-sum option, fast breakeven
- [Max Goal II Insurance Plan](https://www.axa.com.hk/en/max-goal-ii-insurance-plan): Advanced wealth accumulation and inheritance management
- [Wealth Ultra Savings Plan](https://www.axa.com.hk/en/wealth-ultra-savings-plan): Sustainable multi-generation wealth growth with flexibility
- [Wealth Genius Income Plan](https://www.axa.com.hk/en/wealth-genius-income-plan): Guaranteed cash coupons up to age 138 of the initial insured
- [Wealth Advance Savings Series](https://www.axa.com.hk/en/wealth-advance-saving-series): Long-term savings series with bonus potential
- [Wealth Advance Savings Series - Ultimate](https://www.axa.com.hk/en/wealth-advance-saving-series-ultimate): Higher potential-return savings via bonuses
- [Wealth Advance Savings Series - Classic](https://www.axa.com.hk/en/wealth-advance-saving-series-classic): Savings plan with guaranteed cash value
- [Flexi Power Saver](https://www.axa.com.hk/en/flexi-power-saver): Flexible savings plan for different life stages
- [Smart Jumbo Saver III / Smart Saver III Savings Series](https://www.axa.com.hk/en/smart-jumbo-saver-iii-savings-series): Savings series with cash coupons, guaranteed cash value and premium terms as short as 5 years

### Life Insurance
- [Life Insurance overview](https://www.axa.com.hk/en/life-insurance-savings): Main directory for life insurance
- [RewardLife Protector Refundable Term Insurance](https://www.axa.com.hk/en/reward-life-protector-refundable-term-insurance): Flexible term life plan with premium refund at maturity
- [Fortune Guard Life Insurance](https://www.axa.com.hk/en/fortune-guard-life-insurance): Life protection plus wealth accumulation with guaranteed cash value and bonuses
- [Fortune Protector Life Insurance](https://www.axa.com.hk/en/fortune-protector-life-insurance): Life protection plan
- [SmartProtector II Life Insurance Series](https://www.axa.com.hk/en/smart-protector-ii-life-insurance-series): Life protection up to age 100 with guaranteed cash value and dividends
- [Smart Elite Term / Smart Term](https://www.axa.com.hk/en/smart-elite-term-smart-term): Flexible term insurance with guaranteed renewal and convertibility
- [Grand Heritage II Life Insurance Plan](https://www.axa.com.hk/en/grand-heritage-life-insurance): Participating whole-life plan to age 138 with terminal dividend lock-in option
- [Heritage Builder Universal Life Plan](https://www.axa.com.hk/en/heritage-builder-universal-life-plan): Universal life plan for high-net-worth legacy planning

### Retirement & Annuity
- [Retirement & Annuity overview](https://www.axa.com.hk/en/retirement-annuity): Retirement and annuity product directory
- [IncomeBliss Deferred Annuity Plan (QDAP)](https://www.axa.com.hk/en/income-bliss-deferred-annuity-plan): Qualifying Deferred Annuity Policy, tax-deductible premiums
- [JoyAhead Immediate Annuity Plan](https://www.axa.com.hk/en/joyahead-immediate-annuity-plan): Immediate annuity for stable retirement income
- [Investment-Linked Insurance](https://www.axa.com.hk/en/investment-linked-insurance): Investment-linked life insurance including Polaris and Signature III plans
- [MPF / ORSO](https://www.axa.com.hk/en/mpf-orso): Mandatory Provident Fund and occupational retirement schemes

### General Insurance
- [Travel Insurance (SmartTraveller Plus)](https://www.axa.com.hk/en/travel-insurance-protection): Buy online; single-trip and annual cover, self-drive cover, free cover for children on the same single journey
- [Home Insurance (SmartHome Plus)](https://www.axa.com.hk/en/home-insurance-protection/): Buy online; home contents, third-party liability, water damage and fire cover for owners, occupiers, tenants and landlords
- [Premier Home Insurance (Fine Art)](https://www.axa.com.hk/en/fine-art): High-end home insurance for art, collectibles, jewellery and watches
- [Car Insurance (AXA iMotor)](https://www.axa.com.hk/en/car-insurance-protection): Buy online; third-party and comprehensive cover for petrol and electric cars, instant quote
- [HZMB Cross-Border Motor Insurance](https://www.axa.com.hk/en/hzmb-motor-insurance): Mandatory third-party liability cover for HK cars driving to Guangdong via the Hong Kong-Zhuhai-Macao Bridge
- [Domestic Helper Insurance](https://www.axa.com.hk/en/domestic-helper): Buy online; Foreign Domestic Helper Comprehensive Plan, Local Domestic Helper Plan, Postnatal Care Helper Plan
- [Personal Accident Insurance (SmartProtect Plus)](https://www.axa.com.hk/en/smart-protect-plus): Accident cover for emergency treatment, hospital stays, income loss, death and disability
- [Contractors All Risks Insurance for Interior Decoration](https://www.axa.com.hk/en/personal-contractors-all-risks-insurance): Renovation cover for property owners and tenants, contract material damage and third-party liability
- [Overseas Study Insurance](https://www.axa.com.hk/en/overseas-student-protection/): Buy online; comprehensive cover for students studying abroad
- [Golfer Insurance](https://www.axa.com.hk/en/golfer-insurance): Golf-related cover
- [Lifelong Care Partner Insurance](https://www.axa.com.hk/en/lifelong-care-partner-insurance): Elderly care and long-term care insurance

### Business & SME
- [Business overview](https://www.axa.com.hk/en/business): SME and corporate insurance directory
- [SME Business Insurance](https://www.axa.com.hk/en/sme-business-insurance): Property and liability solutions for SMEs
- [SME Employee Benefits](https://www.axa.com.hk/en/sme-employee-benefits): Group medical, life and accident cover
- [SME Employee Benefits - Axcellent](https://www.axa.com.hk/en/sme-employee-benefits-axcellent): Group employee benefits scheme
- [SME Employee Benefits - Corprotect](https://www.axa.com.hk/en/sme-employee-benefits-corprotect): Flexible group medical and life benefits for SMEs and their employees' dependants
- [PortaProtection](https://www.axa.com.hk/en/porta-protection): Continuity of your existing group medical benefits; guaranteed acceptance for existing AXA group medical members

### Customer Service
- [Emma by AXA](https://www.axa.com.hk/en/emma-by-axa): Emma by App and portal to manage policies, submit claims, wellness and exclusive offers
- [Emma by AXA FAQ](https://www.axa.com.hk/en/emma-by-axa-faq): Emma by App user guide and frequently asked questions
- [Claims](https://www.axa.com.hk/en/claims): Claims process and guidance
- [Contact Us](https://www.axa.com.hk/en/contact-us): Customer service hotline, online enquiry forms and service centres
- [Customer Service Centres](https://www.axa.com.hk/en/contact-us/customer-service-centres): Physical service centre locations in Hong Kong
- [AXA Health Concierge](https://www.axa.com.hk/en/greater-bay-area-medical-concierge-service-network): Medical concierge service including GBA cancer and endoscopy medical service networks

## 繁體中文 (Traditional Chinese)

### 醫療及危疾保險
- [醫療及危疾保險總覽](https://www.axa.com.hk/zh/health-insurance): 醫療及危疾保障主目錄
- [自願醫保系列 (VHIS)](https://www.axa.com.hk/zh/vhis-series): 政府認可自願醫保,保證續保,標準及靈活計劃可選,保費可享扣稅
- [AXA 安盛智尊守慧醫療保障 (WiseGuard Pro)](https://www.axa.com.hk/zh/axa-wiseguard-pro-medical-insurance-plan): 自願醫保靈活計劃,全額支付住院及手術費用,不設終身保障限額
- [AXA 安盛守慧醫療保障 (WiseGuard)](https://www.axa.com.hk/zh/axa-wiseguard-medical-insurance-plan): 自願醫保認可計劃,提供優質基本醫療保障
- [Smart Medicare 真智安心醫療保障](https://www.axa.com.hk/zh/smart-medicare): 自願醫保靈活計劃,特設三種保障級別,不設終身保障限額
- [醫療保險價錢比較](https://www.axa.com.hk/zh/health-insurance-advisor/medical): 比較守慧、真智安心及智尊守慧三款自願醫保並即時報價
- [醫療保障計劃](https://www.axa.com.hk/zh/medical-protection): 醫療保險產品目錄
- [臻尚環球醫療保障](https://www.axa.com.hk/zh/global-reach-medical-insurance-plan): 環球醫療保障,適合跨境及海外醫療需要
- [危疾保障系列](https://www.axa.com.hk/zh/critical-illness-protection): 危疾保險產品目錄
- [危疾保障價錢比較](https://www.axa.com.hk/zh/health-insurance-advisor/critical-illness): 比較康諾II嚴重疾病保障、愛唯守危疾保障及愛唯守危疾保障(升級版)
- [愛唯守危疾保障(升級版) / 愛寶保](https://www.axa.com.hk/zh/total-assure-plus-critical-illness): 全面危疾保障,多重賠償,總保障高達保額1300%
- [愛唯守危疾保障 / 愛寶保](https://www.axa.com.hk/zh/total-assure-critical-illness): 全面危疾保障,持續癌症支援,總保障高達保額1000%
- [危疾保障附加計劃](https://www.axa.com.hk/zh/extra-care-insurance-plan): 危疾附加保障,涵蓋嚴重及早期疾病

### 儲蓄
- [儲蓄計劃總覽](https://www.axa.com.hk/zh/savings-plans): 儲蓄保險計劃目錄
- [「盛利 II」儲蓄保險系列](https://www.axa.com.hk/zh/wealth-ahead-ii-savings-insurance): 財富增值及傳承規劃,限時限額2年特短保費繳付期
- [摯匯儲蓄計劃](https://www.axa.com.hk/zh/fortune-xtra-savings-plan): 多元貨幣轉換、鎖定保單價值及保單分拆功能
- [「盈家」壽險計劃](https://www.axa.com.hk/zh/max-wealth-insurance-plan): 分紅壽險計劃,保費繳付年期短至2年,可選一筆過繳款,快速回本期
- [「尊尚盈家II」壽險計劃](https://www.axa.com.hk/zh/max-goal-ii-insurance-plan): 高端財富管理及傳承方案
- [豐進儲蓄計劃](https://www.axa.com.hk/zh/wealth-ultra-savings-plan): 跨世代財富增長潛力,靈活應對市場及財務變化
- [增盛入息計劃](https://www.axa.com.hk/zh/wealth-genius-income-plan): 保證可支取現金至最初被保人138歲
- [安進儲蓄系列](https://www.axa.com.hk/zh/wealth-advance-saving-series): 長線儲蓄增值潛力,可靈活提取及傳承
- [安進儲蓄系列 II — 躍進](https://www.axa.com.hk/zh/wealth-advance-saving-series-ultimate): 長線儲蓄較高增值潛力,可靈活提取現金
- [安進儲蓄系列 II — 穩進](https://www.axa.com.hk/zh/wealth-advance-saving-series-classic): 長線儲蓄增值潛力,具保證現金價值
- [智活系列 ─ 自主儲蓄計劃](https://www.axa.com.hk/zh/flexi-power-saver): 靈活彈性的儲蓄方案,配合人生不同階段
- [「真智珍寶 III」/「真智豐盛 III」儲蓄系列](https://www.axa.com.hk/zh/smart-jumbo-saver-iii-savings-series): 可支取現金、保證現金價值、週年及終期紅利,保費繳付年期短至5年

### 人壽保障
- [人壽保障總覽](https://www.axa.com.hk/zh/life-insurance-savings): 人壽保險主目錄
- [譽活保費回贈定期人壽保險](https://www.axa.com.hk/zh/reward-life-protector-refundable-term-insurance): 靈活定期人壽,期滿提供保費回贈
- [「享未來」人壽保障](https://www.axa.com.hk/zh/fortune-guard-life-insurance): 人壽保障兼保證現金價值及非保證紅利
- [「惠未來」人壽保障](https://www.axa.com.hk/zh/fortune-protector-life-insurance): 人壽保障計劃
- [真智惠保II人壽保障系列](https://www.axa.com.hk/zh/smart-protector-ii-life-insurance-series): 人壽保障至100歲,具保證現金價值及紅利
- [真智精選定期保險 / 真智定期保險](https://www.axa.com.hk/zh/smart-elite-term-smart-term): 靈活定期人壽,保證續保及可轉換,非吸煙人士享特別保費優惠
- [雋盈II人壽保障計劃](https://www.axa.com.hk/zh/grand-heritage-life-insurance): 分紅終身壽險(至138歲),設終期紅利鎖定選擇權
- [雋薈萬用壽險計劃](https://www.axa.com.hk/zh/heritage-builder-universal-life-plan): 為尊尚客戶而設的財富傳承萬用壽險

### 退休及年金
- [退休及年金總覽](https://www.axa.com.hk/zh/retirement-annuity): 退休方案及年金產品目錄
- [「賞精彩」延期年金計劃 (QDAP)](https://www.axa.com.hk/zh/income-bliss-deferred-annuity-plan): 合資格延期年金保單,保費可作稅務扣減
- [「盛載人生」即享年金計劃](https://www.axa.com.hk/zh/joyahead-immediate-annuity-plan): 即期年金,終身派發穩定退休入息
- [投資相連壽險](https://www.axa.com.hk/zh/investment-linked-insurance): 投資連繫式壽險,包括星耀投資保險計劃及盛名 III 整付投資保險計劃
- [MPF / ORSO 強積金](https://www.axa.com.hk/zh/mpf-orso): 強積金及職業退休保障計劃

### 一般保險
- [旅遊保險 (「卓越」豐盛優遊樂)](https://www.axa.com.hk/zh/travel-insurance-protection): 網上投保;單次及全年旅遊保障、自駕遊保障、單次旅程同行子女免費保障
- [家居保險 (「卓越」豐盛優居樂)](https://www.axa.com.hk/zh/home-insurance-protection/): 網上投保;家居財物、第三者責任、漏水及火災保障,業主/租客/佔用人適用
- [尊雅家居保險](https://www.axa.com.hk/zh/fine-art): 高端家居保險,涵蓋藝術收藏品、珠寶手錶及貴重物品
- [汽車保險 (AXA 安盛 iMotor)](https://www.axa.com.hk/zh/car-insurance-protection): 網上即時報價;電動及汽油車第三者責任及綜合保障
- [港車北上汽車保險](https://www.axa.com.hk/zh/hzmb-motor-insurance): 港珠澳大橋跨境車輛保險,港車北上必備「交強險」第三者責任保障
- [家庭傭工保障 (「卓越」豐盛優傭樂)](https://www.axa.com.hk/zh/domestic-helper): 網上即時投保;外傭綜合計劃、本地家務助理計劃及陪月員計劃
- [個人意外保險 (SmartProtect Plus)](https://www.axa.com.hk/zh/smart-protect-plus): 個人及家庭意外保障,涵蓋治療、住院及傷殘
- [工程綜合保險](https://www.axa.com.hk/zh/personal-contractors-all-risks-insurance): 室內裝修工程保險,覆蓋住宅、店舖及辦公室
- [海外升學保障](https://www.axa.com.hk/zh/overseas-student-protection/): 網上投保;海外留學生綜合保障
- [高爾夫球綜合保險](https://www.axa.com.hk/zh/golfer-insurance): 高爾夫球運動相關保障
- [「愛護一生」終身保障](https://www.axa.com.hk/zh/lifelong-care-partner-insurance): 高齡照護及長期護理保險

### 企業及中小企保險
- [企業客戶總覽](https://www.axa.com.hk/zh/business): 中小企及企業保險主目錄
- [中小企商業保險](https://www.axa.com.hk/zh/sme-business-insurance): 中小企財產及責任保險方案
- [中小企僱員福利](https://www.axa.com.hk/zh/sme-employee-benefits): 團體醫療、人壽及意外保障
- [中小企僱員福利 — Axcellent](https://www.axa.com.hk/zh/sme-employee-benefits-axcellent): 團體僱員福利計劃
- [中小企僱員福利 — Corprotect 攜守同行](https://www.axa.com.hk/zh/sme-employee-benefits-corprotect): 企業醫療保障計劃,靈活保障中小企僱員及其家屬
- [滙安心 PortaProtection](https://www.axa.com.hk/zh/porta-protection): 僱員醫療福利計劃,由在職至退休的終身醫療保障,現有團體醫療成員可豁免核保

### 客戶服務
- [Emma by AXA](https://www.axa.com.hk/zh/emma-by-axa): Emma by AXA 應用程式及網上平台,管理保單、提交索償、身心健康及獨家優惠
- [Emma by AXA 常見問題](https://www.axa.com.hk/zh/emma-by-axa-faq): Emma by AXA 使用指南與常見問題
- [索償服務](https://www.axa.com.hk/zh/claims): 索償流程與指引
- [聯絡我們](https://www.axa.com.hk/zh/contact-us): 客戶服務電話、網上查詢表格及服務中心
- [客戶服務中心位置](https://www.axa.com.hk/zh/contact-us/customer-service-centres): 香港實體客戶服務中心地址
- [AXA 安盛健康專家](https://www.axa.com.hk/zh/greater-bay-area-medical-concierge-service-network): 醫療專屬服務,包括大灣區跨境癌症及內窺鏡檢查醫療服務網絡

## Regulatory & Trust

- AXA Hong Kong comprises AXA China Region Insurance Company Limited, AXA China Region Insurance Company  (Hong Kong) Limited and AXA General Insurance Hong Kong Limited, all regulated by the [Hong Kong Insurance Authority (IA)](https://www.ia.org.hk).
- VHIS Series products are certified Voluntary Health Insurance Scheme (VHIS) plans recognised by the HKSAR Government.
- Qualifying Deferred Annuity Policies (QDAP) are certified by the Insurance Authority; premiums may qualify for tax deduction.