AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-13-000-05. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,723 |
| 45 | HK$2,587 |
| 60 | HK$5,162 |
| 75 | HK$12,412 |
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$3,225,806 |
| 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, 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 policy year. Pro-rata refund for current policy year upon death of insured or company ceasing authorization. p.5 |
| Switching from another plan | Can switch to another insurance plan with upgraded/additional benefits, subject to re-underwriting limited to the new benefits. Can upgrade to Noble benefit level without re-underwriting once per lifetime under specific conditions (no deductible decrease/removal, change of residential address outside territory). p.13 |
| Room class | Semi-private Room p.38 |
| If a higher room is used | Adjustment factor applied to variable benefits: General Ward Semi-private Room 50%, General Ward Standard Private Room 25%, Semi-private Room Standard Private Room 50%, Any ward class above Standard Private Room 0% p.2 |
| Geographical cover | Asia (including Australia and New Zealand) p.37 |
| Psychiatric treatment area | Hong Kong and Macau only p.18 |
| Emergency treatment abroad | Worldwide p.37 |
| Full cover on core benefits | yes p.38 |
| Annual limit | 3,225,806 USD p.38 |
| Lifetime limit | none p.18 |
| Deductible options | 0, 20000, 50000 p.41 |
| How the deductible applies | Per policy year; can be removed or decreased without re-underwriting at age 55 or every 5 years thereafter, once per lifetime. p.25 |
| Coinsurance | none p.24 |
| 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 or day case procedure completion; full cover for all follow-up outpatient visits within 180 days after discharge from confinement with major or complex surgery. Ancillary benefit of 780 USD per policy year for physiotherapy, chiropractic, occupational, and/or speech therapy within 90 days after discharge/day case procedure, if main benefit exhausted. p.38 |
| General outpatient | none |
| Psychiatric treatment | 3,898 USD per Policy Year 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.16 |
| 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 | Covered during confinement under miscellaneous charges; 780 USD per policy year for post-confinement/day case outpatient physiotherapy, chiropractic, occupational, and/or speech therapy 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 | 130 USD 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 actual expenses of an extra bed for one companion during confinement, excluding guest meals p.39 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Yes, 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 | purchase of durable medical equipment or appliances (e.g. wheelchairs, oxygen, dialysis machines); 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 +3.8% a year, taking the premium from HK$1,981 to HK$2,587.
| 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.