AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-14-000-05. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$734 |
| 45 | HK$1,241 |
| 60 | HK$2,493 |
| 75 | HK$6,116 |
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; no refund after cooling-off if benefits paid in policy year; pro-rata refund if terminated due to death or company ceasing authorization p.5 |
| Switching from another plan | Switching to a plan with upgraded/added benefits requires re-underwriting for those benefits; switching to downgraded/reduced benefits does not require re-underwriting but is at company's discretion. Upgrade to Noble without re-underwriting is possible if residential address changes outside territory. p.13 |
| Room class | Semi-private Room p.38 |
| If a higher room is used | Adjustment factor applied to benefits (e.g., 50% for Semi-private to Standard Private, 0% for above Standard Private) p.32 |
| Geographical cover | Asia (including Australia and New Zealand) p.38 |
| Psychiatric treatment area | Hong Kong and Macau p.19 |
| Emergency treatment abroad | Worldwide p.38 |
| Full cover on core benefits | yes p.38 |
| Annual limit | 3225806 p.38 |
| Lifetime limit | none p.18 |
| Deductible options | 0, 20000, 50000 p.42 |
| How the deductible applies | Per policy year; can be removed or decreased without re-underwriting at age 55 or every 5 years thereafter p.25 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit more than 30 days before admission, all visits within 30 days before admission p.38 |
| Post-discharge outpatient | All follow-up visits within 90 days after discharge/Day Case, or 180 days after discharge for major/complex surgery p.38 |
| General outpatient | none |
| Psychiatric treatment | 3898 USD p.39 |
| Diagnostic imaging coinsurance | none p.38 |
| Non-surgical cancer treatment | full cover p.38 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis in clinic or at home p.39 |
| Day case procedures | Covered as in-patient for various benefits, including room, miscellaneous charges, surgeon's fee, imaging, and cancer treatment p.17 |
| Home nursing | Full cover for 1 Qualified Nurse per day for a maximum of 90 days per policy year, within 90 days after discharge/Day Case p.39 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during confinement; up to 3 follow-up outpatient visits within 90 days after discharge/Day Case; additional 780 USD per policy year for ancillary outpatient physiotherapy/chiropractic/occupational/speech therapy if item (k) is exhausted 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 lower ward class in Hong Kong and Macau, maximum 10 days per confinement p.39 |
| Companion bed | Full cover for the cost of an extra bed for a companion, excluding guest meals p.34 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4, 15% for 5 or more p.41 |
| 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$950 to HK$1,241.
| 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.