AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-01-000-05. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,357 |
| 45 | HK$14,678 |
| 60 | HK$30,854 |
| 75 | HK$67,334 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$5,000,000 |
| Lifetime limit | None |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, dental, home nursing, a companion bed, kidney dialysis, reconstructive surgery, 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.14 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.20 |
| Waiting period | none p.20 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off if benefits paid in policy year p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion). Upgrade to Noble without re-underwriting under specific conditions. p.13 |
| Room class | General Ward p.55 |
| If a higher room is used | 50% for semi-private, 25% for standard private, 0% for above standard private p.33 |
| Geographical cover | Greater China (mainland China, Hong Kong, Taiwan and Macau) p.32 |
| Psychiatric treatment area | Hong Kong and Macau only p.55 |
| Emergency treatment abroad | Covered worldwide p.32 |
| Full cover on core benefits | yes p.55 |
| Annual limit | 5,000,000 HKD p.55 |
| Lifetime limit | none p.18 |
| Deductible options | 0, 20000, 50000 p.57 |
| How the deductible applies | Per policy year; can be removed or decreased without re-underwriting at age 55 or every 5 years thereafter p.39 |
| Coinsurance | none p.24 |
| Pre-admission outpatient | 1 visit more than 30 days before admission, all visits within 30 days before admission; full cover p.55 |
| Post-discharge outpatient | All visits within 90 days after discharge/Day Case Procedure, or 180 days if major/complex surgery; full cover p.55 |
| General outpatient | none p.22 |
| Psychiatric treatment | 30,000 HKD p.56 |
| Diagnostic imaging coinsurance | none p.55 |
| Non-surgical cancer treatment | full cover p.55 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis p.38 |
| Day case procedures | Covered as in-patient, full cover p.16 |
| Home nursing | Full cover for up to 90 days per policy year by 1 Qualified Nurse per day, within 90 days of discharge/Day Case Procedure p.38 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | 3 visits within 90 days post-discharge/Day Case Procedure under item (k), then 3,000 HKD per policy year within 90 days post-discharge/Day Case Procedure under item (I) p.56 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.23 |
| Pregnancy complications | none p.22 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.22 |
| Hospital cash | none p.40 |
| Companion bed | Full cover for an extra bed in the same hospital during confinement p.38 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4, 15% for 5 or more p.43 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA) p.21 |
At a constant age of 45, AXA has filed 3 schedule changes on this plan since 2021, an average of +3.5% a year, taking the premium from HK$11,453 to HK$14,678.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +4.5% |
| 2024 | +9.0% |
| 2025 | +12.5% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
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.