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Product Features

 

Guaranteed renewal up to age 100¹

 

Annually refreshed benefit item limit with no lifetime benefit limit

 

No waiting period

 

Coverage for pre/post-confinement and day case procedure outpatient care

 

Coverage for local psychiatric treatment

Guaranteed renewal up to age 100¹

AXA WiseGuard Medical Insurance Plan opens to everyone aged between 14 days and 80 years old. Renewal is guaranteed up to the age of 100¹.

Annually refreshed benefit item limit with no lifetime benefit limit

There is no lifetime benefit limit under AXA WiseGuard Medical Insurance Plan. Every policy year, you may claim up to the respective sub-limits and an annual benefit limit of HKD 420,000.

No waiting period

Your coverage starts as soon as your policy becomes effective. If you have a pre-existing condition that you were not aware of at the time you applied for your policy, your eligible expenses will be reimbursed in a sliding scale as stated in the relevant product brochure.

Coverage for pre/post-confinement and day case procedure outpatient care

We will reimburse your eligible expenses for outpatient visit or emergency consultation resulting in confinement or day case procedure up to a limit per visit and subject to an annual limit.

Coverage for local psychiatric treatment

If you are afflicted with a mental illness, you may be covered for the eligible expenses charged on the psychiatric treatments during confinement in Hong Kong as recommended by a specialist.

AXA launching the Customer Charter

To enable all customers to enjoy world class care at an affordable premium sustainably, we have formulated this Customer Charter to set out your Rights & Responsibilities and to achieve the best patient and customer experience.

    Please contact the following channels on respective enquiries:

    AXA customer service
    Please contact us here to lodge your enquiries or complaints.

    Product compliance rules of VHIS
    Please click here to contact Food and Health Bureau.

    General conduct of insurance companies and intermediaries
    Please click here to contact Insurance Authority.

    Tax deduction
    Please click here to contact Inland Revenue Department.

    This is an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (“VHIS”).
    Registered VHIS providersAXA China Region Insurance Company (Bermuda) Limited / AXA China Region Insurance Company Limited
    VHIS certification numberS00014-01-000-01 / S00033-01-000-01
    Type of certified planVHIS Standard Plan
    Eligible tax deduction amount*A taxpayer is allowed a maximum annual deduction of HKD8,000 in respect of qualifying premiums paid for each insured person

    Semi-annual and monthly premiums of AXA WiseGuard Medical Insurance Plan are calculated by multiplying the annual premium by the applicable modal factor. The modal factor for a basic plan is 0.52 (semi-annual) or 0.09 (monthly). The modal factor for a rider plan is 0.5 / 0.52 (semi-annual) or 0.083334 / 0.09 (monthly), following its basic plan.

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    Know More

    Product brochure

    Standard premium schedule   

    Policy Terms and Conditions Specimen

    AXA GI WiseGuard Medical Insurance Plan

    Meet a Consultant

    Request an appointment with a financial consultant

    Contact AXA

    Customer Hotline : (852) 2802 2812
    VHIS Hotline: (852) 2894 4758
    Business hour:
    Monday - Friday: 09:00 - 17:30
    Saturday: 09:00 - 13:00
    Except Public Holidays

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