AXA Smart Medicare is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00018-02-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,482 |
| 45 | HK$12,418 |
| 60 | HK$19,790 |
| 75 | HK$39,939 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$1,600 |
| Hospital charges | HK$20,000 |
| Doctor's visits | HK$1,500 |
| Specialist fees | HK$5,000 |
| Intensive care | HK$5,000 |
| Surgeon's fee | HK$80,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$25,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$5,000 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, dental, kidney dialysis, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.13 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.23 |
| Waiting period | none p.23 |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no benefit payment. p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible, subject to re-underwriting for the upgraded benefits. p.16 |
| Room class | not restricted p.19 |
| If a higher room is used | not applicable as room class is not restricted p.19 |
| Geographical cover | worldwide p.18 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | covered worldwide p.18 |
| Full cover on core benefits | no p.44 |
| Annual limit | unlimited p.45 |
| Lifetime limit | none p.19 |
| How the deductible applies | per Policy Year p.28 |
| Coinsurance | none p.27 |
| Pre-admission outpatient | 1 visit prior to admission p.44 |
| Post-discharge outpatient | 3 visits within 90 days after discharge p.44 |
| General outpatient | none |
| Psychiatric treatment | HKD30,000 per Policy Year p.44 |
| Diagnostic imaging coinsurance | 30% p.44 |
| Non-surgical cancer treatment | HKD80,000 per Policy Year p.44 |
| Kidney dialysis | HKD100,000 per Policy Year p.44 |
| Day case procedures | covered as in-patient, subject to individual benefit limits p.19 |
| Home nursing | none p.29 |
| Hospice care | none p.29 |
| Chinese medicine | none p.26 |
| Physiotherapy | covered during confinement and as part of post-discharge outpatient care p.20 |
| Congenital conditions | covered from age 8 p.26 |
| Pregnancy complications | none p.26 |
| Emergency dental | covered for Emergency Treatment and surgery during Confinement arising from an Accident p.26 |
| Hospital cash | none |
| Companion bed | none |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated, benefits are on a reimbursement basis p.1 |
| No-claim discount | 15% of annual premium if no claim made for 3 preceding policy years p.39 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Sexual dysfunction; Purchase of durable medical equipment or appliances p.25 |
At a constant age of 45, AXA has filed 3 schedule changes on this plan since 2021, an average of +2.3% a year, taking the premium from HK$10,689 to HK$12,418.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | +6.0% |
| 2025 | +4.5% |
| 2026 | +5.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Superior (HKD) | None | No annual limit | |
| Superior (HKD) | None | No annual limit |
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.