AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-06-000-05. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,428 |
| 45 | HK$6,696 |
| 60 | HK$15,102 |
| 75 | HK$32,029 |
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 if cancelled within 21 days cooling-off period, provided no benefit payment has been made. p.5 |
| Switching from another plan | Upgrade to Noble without re-underwriting once per lifetime (conditions apply). Other plan upgrades/additions require re-underwriting for new benefits. Downgrades/reductions are at company discretion. p.13 |
| Room class | Semi-private Room p.38 |
| If a higher room is used | Adjustment factor applied to Variable Benefits: 50% for Standard Private Room, 0% for any ward class above Standard Private Room p.33 |
| Geographical cover | Asia (including Australia and New Zealand) p.38 |
| Psychiatric treatment area | Hong Kong and Macau only p.18 |
| Emergency treatment abroad | Worldwide p.38 |
| Full cover on core benefits | yes p.39 |
| Annual limit | 25,000,000 p.38 |
| Lifetime limit | none p.38 |
| Deductible options | 0, 20000, 50000 p.41 |
| How the deductible applies | Per Policy Year, applies to all benefits unless otherwise stated. Can be removed or decreased once per lifetime at age 55 or every 5 years thereafter. p.37 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation more than 30 days before admission, and all prior outpatient visits or emergency consultations within 30 days before admission. p.38 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge or Day Case Procedure, or within 180 days after discharge for major/complex surgery. p.38 |
| General outpatient | none |
| Psychiatric treatment | 30,000 p.39 |
| Diagnostic imaging coinsurance | none p.38 |
| Non-surgical cancer treatment | full cover p.38 |
| Kidney dialysis | Full cover for regular haemodialysis or peritoneal dialysis for Chronic and Irreversible Kidney Failure. p.39 |
| Day case procedures | Covered as in-patient for Medically Necessary surgical procedures. p.25 |
| Home nursing | Full cover within 90 days after discharge/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 | Max 3 visits for physiotherapy, chiropractic, occupational, and/or speech therapy within 90 days post-discharge/Day Case Procedure (under item k). Additional $6,000/year if item k exhausted. p.39 |
| Congenital conditions | Covered from age 8 if not otherwise excluded. 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 a private Hospital in Hong Kong and Macau, maximum 10 days per Confinement. p.39 |
| Companion bed | Full cover for the cost of an extra bed in the same Hospital for one companion. p.39 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years. p.43 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$5,126 to HK$6,696.
| 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.