AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-09-000-05. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,672 |
| 45 | HK$12,038 |
| 60 | HK$24,446 |
| 75 | HK$55,082 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$30,000,000 |
| 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. After cooling-off, cancellation with 30 days' notice if no benefits paid in current Policy Year. Pro-rata refund for termination due to death or company ceasing authorization. p.5 |
| Switching from another plan | Yes, to Noble level without re-underwriting once per lifetime if deductible is not decreased/removed and residential address changes outside territorial scope. p.12 |
| Room class | Standard Private Room p.38 |
| If a higher room is used | If a higher ward class is used, an adjustment factor (50% for Semi-private, 25% for General Ward, 0% for above Standard Private) is applied to Variable Benefits. p.2 |
| Geographical cover | Asia (including Australia and New Zealand) p.38 |
| Psychiatric treatment area | Hong Kong and Macau only p.38 |
| Emergency treatment abroad | Worldwide p.38 |
| Full cover on core benefits | yes p.38 |
| Annual limit | 30000000 p.38 |
| Lifetime limit | none p.38 |
| Deductible options | 0, 20000, 50000 p.3 |
| How the deductible applies | Per Policy Year; can be removed or decreased once per lifetime at age 55 or every 5 years thereafter without re-underwriting. p.38 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit (more than 30 days before admission) and all prior outpatient visits (within 30 days before admission). p.38 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/Day Case Procedure, or 180 days after discharge for major/complex surgery. p.38 |
| General outpatient | none |
| Psychiatric treatment | HKD30,000 per Policy Year p.38 |
| Diagnostic imaging coinsurance | none p.38 |
| Non-surgical cancer treatment | full cover p.38 |
| Kidney dialysis | Full cover p.38 |
| Day case procedures | Covered as in-patient, full cover for various benefits. p.25 |
| Home nursing | Full cover within 90 days after discharge/Day Case Procedure, for 1 Qualified Nurse per day, maximum 90 days per Policy Year. p.38 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Maximum 3 visits for physiotherapy, chiropractic, occupational, and/or speech therapy within 90 days post-discharge/Day Case Procedure, or HKD10,000 per Policy Year if benefit (k) is exhausted. p.38 |
| 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 | HKD2,000 per day for using a lower ward class in Hong Kong and Macau, maximum 10 days per Confinement. p.38 |
| Companion bed | Full cover for an extra bed for a companion during confinement, excluding guest meals. p.38 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available. p.15 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4, 15% for 5+. p.1 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments. p.22 |
At a constant age of 45, AXA has filed 2 schedule changes on this plan since 2021, an average of +2.1% a year, taking the premium from HK$10,338 to HK$12,038.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | +3.5% |
| 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.