AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-11-000-05. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$632 |
| 45 | HK$1,063 |
| 60 | HK$2,217 |
| 75 | HK$5,163 |
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$645,161 |
| 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$3,898 |
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 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid. After cooling-off, cancellation with 30 days' notice if no benefit paid in current policy year. Pro-rata refund for termination due to death or company ceasing authorization. p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting for the upgraded benefits. Upgrade to Noble benefit level is possible without re-underwriting under specific conditions (deductible not decreased/removed, change of residential address outside territory, once per lifetime). p.13 |
| Room class | General Ward p.45 |
| If a higher room is used | If a higher ward class is used, an adjustment factor (50% for semi-private, 25% for standard private, 0% for above standard private) is applied to variable benefits. p.33 |
| Geographical cover | Greater China (mainland China, Hong Kong, Taiwan and Macau) p.45 |
| Psychiatric treatment area | Hong Kong and Macau p.20 |
| Emergency treatment abroad | Worldwide p.45 |
| Full cover on core benefits | yes p.45 |
| Annual limit | 645161 USD p.45 |
| Lifetime limit | none p.45 |
| Deductible options | 2500 USD p.45 |
| How the deductible applies | Per policy year, applies to all benefits unless otherwise stated. Deductible can be removed or decreased without re-underwriting at age 55 or every 5 years thereafter. p.25 |
| 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.45 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge, or 180 days if major/complex surgery was performed. p.45 |
| General outpatient | none |
| Psychiatric treatment | 3898 USD per Policy Year p.46 |
| Diagnostic imaging coinsurance | none p.45 |
| Non-surgical cancer treatment | full cover p.45 |
| Kidney dialysis | Full cover for regular haemodialysis or peritoneal dialysis in clinic or at home p.46 |
| Day case procedures | Covered as in-patient for Medically Necessary surgical procedures p.25 |
| Home nursing | Full cover for home nursing services by 1 Qualified Nurse per day for a maximum of 90 days per Policy Year, within 90 days after discharge from Hospital or Day Case Procedure. p.46 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during confinement under miscellaneous charges. Post-confinement/day case outpatient physiotherapy, chiropractic, occupational, and/or speech therapy up to 390 USD per Policy Year (if item (k) is exhausted). p.46 |
| Congenital conditions | Covered if manifested or diagnosed at or after 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 | none p.42 |
| Companion bed | Full cover for the cost of an extra bed for a companion during Insured Person's confinement, excluding guest meals. p.46 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorization for claimable amount estimate is available. p.15 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years. p.44 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA) and health supplements; 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 3 schedule changes on this plan since 2021, an average of +3.5% a year, taking the premium from HK$829 to HK$1,063.
| 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.