AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-19-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$20,769 |
| 45 | HK$30,438 |
| 60 | HK$62,257 |
| 75 | HK$139,139 |
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$40,000,000 |
| 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$50,000 |
Also includes outpatient general, dental, health check, home nursing, a companion bed, hospital cash, rehabilitation, 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 claim; no refund after cooling-off if policyholder cancels; pro-rata refund if company terminates due to death or authorization cessation p.5 |
| Switching from another plan | Switching to upgrade benefits or plan requires re-underwriting for new benefits; upgrade to Noble without re-underwriting if residential address changes outside territory, once per lifetime p.13 |
| Room class | Standard Private Room p.38 |
| If a higher room is used | Adjustment factor applied to variable benefits: General Ward to Semi-private Room (50%), General Ward to Standard Private Room (25%), Semi-private Room to Standard Private Room (50%), any ward class above Standard Private Room (0%) p.32 |
| Geographical cover | Worldwide excluding USA p.38 |
| Psychiatric treatment area | Hong Kong and Macau only p.38 |
| Emergency treatment abroad | Covered worldwide p.38 |
| Full cover on core benefits | yes p.38 |
| Annual limit | 40000000 p.38 |
| Lifetime limit | none p.38 |
| Deductible options | 0, 20000, 50000 p.41 |
| How the deductible applies | Per policy year; reduction rule at age 55 and every 5 years thereafter p.25 |
| Coinsurance | none p.24 |
| Pre-admission outpatient | Full cover for 1 visit more than 30 days before admission, and all visits within 30 days before admission p.38 |
| Post-discharge outpatient | Full cover for all visits within 90 days after discharge, or 180 days if major/complex surgery p.38 |
| General outpatient | none |
| Psychiatric treatment | 50000 p.38 |
| Diagnostic imaging coinsurance | none p.38 |
| Non-surgical cancer treatment | full cover p.38 |
| Kidney dialysis | Full cover for chronic and irreversible kidney failure p.38 |
| Day case procedures | Covered as in-patient for various benefits p.16 |
| Home nursing | Full cover for 1 Qualified Nurse per day, up to 90 days per policy year, within 90 days after discharge p.38 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Up to 3 visits under pre/post-confinement outpatient care, then up to HKD 15,000 per policy year under ancillary benefit p.38 |
| Congenital conditions | Not covered if manifested or diagnosed before 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 | HKD 2,000 per day for using a lower ward class in Hong Kong or Macau, maximum 10 days per confinement p.38 |
| Companion bed | Full cover for actual expenses of an extra bed, excluding guest meals p.38 |
| Direct billing and pre-authorisation | Pre-authorization for claimable amount estimate available p.15 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4, 15% for 5 or more p.45 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); sex reassignment or sexual dysfunction; purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments p.22 |
At a constant age of 45, AXA has filed 1 schedule change on this plan since 2021, an average of +2.7% a year, taking the premium from HK$27,056 to HK$30,438.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 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.