AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-04-000-05. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$13,783 |
| 45 | HK$20,694 |
| 60 | HK$41,297 |
| 75 | HK$99,293 |
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 | HK$25,000,000 |
| 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, hospital cash, 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 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim; after cooling-off, 30 days prior written notice required, no refund if claim paid in policy year p.5 |
| Switching from another plan | Upgrade to Noble benefit level without re-underwriting under specific conditions (e.g., change of residential address outside territory) p.12 |
| Room class | Semi-private Room p.1 |
| If a higher room is used | 50% adjustment factor for Standard Private Room; 0% adjustment factor for any ward class above Standard Private Room p.2 |
| Geographical cover | Asia (including Australia and New Zealand) p.1 |
| Psychiatric treatment area | Hong Kong and Macau only p.1 |
| Emergency treatment abroad | Worldwide, covered in accordance with Terms and Benefits p.1 |
| Full cover on core benefits | yes p.1 |
| Annual limit | 25000000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 0, 20000, 50000 p.1 |
| How the deductible applies | Per policy year; can be removed or decreased without re-underwriting at age 55 and every 5 years thereafter p.25 |
| Coinsurance | none p.24 |
| Pre-admission outpatient | Full cover for 1 visit more than 30 days before admission, and all visits within 30 days before admission p.1 |
| Post-discharge outpatient | Full cover for all visits within 90 days after discharge (or 180 days if major/complex surgery) p.1 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.2 |
| Diagnostic imaging coinsurance | none p.1 |
| Non-surgical cancer treatment | full cover p.1 |
| Kidney dialysis | Full cover p.2 |
| Day case procedures | Covered as in-patient, full cover p.16 |
| Home nursing | Full cover, within 90 days after discharge/Day Case, 1 Qualified Nurse per day, max 90 days per policy year p.2 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during confinement; $6,000 per policy year for post-discharge outpatient (max 3 visits within 90 days) after benefit (k) is exhausted p.17 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.23 |
| Hospital cash | HKD 1,000 per day for using a ward class below Semi-private Room in Hong Kong/Macau private hospital, max 10 days per confinement p.2 |
| Companion bed | Full cover p.2 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.1 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Purchase of durable medical equipment (detailed list); Specific alternative treatments (e.g. hypnotism, qigong, massage therapy) p.22 |
At a constant age of 45, AXA has filed 3 schedule changes on this plan since 2021, an average of +3.8% a year, taking the premium from HK$15,845 to HK$20,694.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.5% |
| 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.