AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-05-000-05. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,873 |
| 45 | HK$9,929 |
| 60 | HK$19,943 |
| 75 | HK$48,924 |
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 benefits paid. After cooling-off, cancellation with 30 days' notice if no benefits paid in the policy year, no pro-rata refund stated. p.5 |
| Switching from another plan | Switching to a plan with upgraded or additional benefits may require re-underwriting limited to those benefits. Switching to a plan with downgraded or reduced benefits does not require re-underwriting but is at the Company's discretion. Upgrade to Noble without re-underwriting is possible once per lifetime under specific conditions. p.13 |
| Room class | Semi-private Room p.38 |
| If a higher room is used | An adjustment factor (50% or 25% or 0%) is applied to variable benefits if a higher ward class is used. p.32 |
| Geographical cover | Asia (including Australia and New Zealand) which includes Afghanistan, Australia, Bangladesh, Bhutan, Brunei, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, Philippines, Singapore, South Korea, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam. p.32 |
| Psychiatric treatment area | Hong Kong and Macau only p.38 |
| Emergency treatment abroad | Worldwide p.32 |
| Full cover on core benefits | yes p.38 |
| Annual limit | 25000000 p.38 |
| Lifetime limit | none p.18 |
| Deductible options | 0, 20000, 50000 p.38 |
| How the deductible applies | Per Policy Year. Policy Holder can remove or decrease deductible without re-underwriting at age 55 or every 5 years thereafter. p.45 |
| Coinsurance | none p.21 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation per confinement/day case procedure (more than 30 days before admission/day case procedure); full cover for all prior outpatient visits or emergency consultations (within 30 days before admission/day case procedure). p.38 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge from hospital or completion of day case procedure; full cover for all follow-up outpatient visits within 180 days after discharge from hospital if major or complex surgery was performed. p.38 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.39 |
| Diagnostic imaging coinsurance | none p.38 |
| Non-surgical cancer treatment | full cover p.38 |
| Kidney dialysis | Full cover p.39 |
| Day case procedures | Covered as in-patient, subject to annual limit. p.25 |
| Home nursing | Full cover within 90 days after discharge from hospital or completion of day case procedure, provided by 1 Qualified Nurse per day for a maximum of 90 days per policy year. p.39 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during confinement. For post-confinement/day case outpatient care: maximum 3 visits in total within 90 days, plus an ancillary benefit of HKD 6,000 per policy year if the main benefit is exhausted. p.39 |
| 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. Follow-up treatment after discharge is not covered. p.22 |
| Hospital cash | HKD 1,000 per day for using a ward class below Semi-private Room in a private hospital in Hong Kong or Macau, maximum 10 days per confinement. p.39 |
| Companion bed | Full cover for actual expenses charged for an extra bed for a companion, not covering guest meals. p.34 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years. p.48 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment including airway pressure machines, oxygen therapy devices, dialysis machines, exercise equipment, air purifiers or conditioners and heat appliances for home use. 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$7,601 to HK$9,929.
| 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.