AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-18-000-05. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$959 |
| 45 | HK$1,505 |
| 60 | HK$3,056 |
| 75 | HK$6,885 |
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$3,870,968 |
| 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 if no benefit paid. After cooling-off, cancellation with 30 days' notice, no refund if benefits paid. Pro-rata refund for death or company ceasing authorization. p.5 |
| Switching from another plan | Upgrade to Noble benefit level without re-underwriting once per lifetime if deductible is not decreased/removed, residential address changed outside territory, and requested 30 days before renewal. p.12 |
| Room class | Standard Private Room p.38 |
| If a higher room is used | If a higher room class is used, an adjustment factor (e.g., 50% or 25%) is applied to variable benefits, or 0% for ward classes above Standard Private Room if entitled to General Ward. p.1 |
| Geographical cover | Asia (including Australia and New Zealand) p.38 |
| Psychiatric treatment area | Hong Kong and Macau only p.19 |
| Emergency treatment abroad | Worldwide, covered in accordance with these Terms and Benefits p.38 |
| Full cover on core benefits | yes p.38 |
| Annual limit | 3870968 USD p.38 |
| Lifetime limit | none p.38 |
| Deductible options | 0, 20000, 50000 HKD p.3 |
| How the deductible applies | Per Policy Year, applies to all benefits unless otherwise stated. Can be removed or decreased without re-underwriting once per lifetime at age 55 or every 5 years thereafter. p.11 |
| Coinsurance | none p.38 |
| 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) per Confinement/Day Case Procedure. p.38 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/Day Case Procedure, or within 180 days if major/complex surgery. p.38 |
| General outpatient | none |
| Psychiatric treatment | 3898 USD per Policy Year p.38 |
| Diagnostic imaging coinsurance | none p.38 |
| Non-surgical cancer treatment | full cover p.38 |
| Kidney dialysis | Full cover for regular haemodialysis or peritoneal dialysis in a Kidney Dialysis Clinic or at home for Chronic and Irreversible Kidney Failure. p.38 |
| 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. p.38 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Maximum 3 visits in total for physiotherapy, chiropractic treatment, occupational therapy and/or speech therapy on follow-up outpatient basis per Confinement/Day Case Procedure (within 90 days after discharge/completion of Day Case Procedure). Additional 1299 USD per Policy Year if benefit item (k) is exhausted. p.38 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8. p.23 |
| Pregnancy complications | none p.22 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment after discharge is not covered. p.22 |
| Hospital cash | 260 USD 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 actual expenses charged by the Hospital for an extra bed for one companion, not covering guest meals. p.38 |
| No-claim discount | Available: 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; Traditional Chinese medicine treatment and other forms of alternative treatment; Eligible Expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party. 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$1,292 to HK$1,505.
| 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.