AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-20-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$13,603 |
| 45 | HK$22,129 |
| 60 | HK$44,231 |
| 75 | HK$96,794 |
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 if cancelled within 21-day cooling-off period, provided no benefit payment has been made. p.5 |
| Switching from another plan | Option to upgrade to Noble benefit level without re-underwriting once per lifetime under specific conditions (no deductible decrease/removal, change of residential address outside territory). Switching to a plan with downgraded benefits does not require re-underwriting but is subject to company discretion. p.43 |
| Room class | Standard Private Room p.38 |
| If a higher room is used | If confined to a ward class higher than entitled, an adjustment factor is applied to variable benefits (e.g., 0% for any ward class above Standard Private Room). If the adjusted benefit is lower than the Standard Plan benefit, the Standard Plan benefit is paid. p.33 |
| Geographical cover | Worldwide excluding USA p.38 |
| Psychiatric treatment area | Hong Kong and Macau only p.38 |
| Emergency treatment abroad | Covered worldwide p.32 |
| Full cover on core benefits | yes p.39 |
| Annual limit | 40000000 p.38 |
| Lifetime limit | none p.38 |
| Deductible options | 0, 20000, 50000 p.41 |
| How the deductible applies | Per policy year, with option to remove or decrease without re-underwriting at age 55 or every 5 years thereafter, once per lifetime. p.42 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation more than 30 days before admission/Day Case Procedure, and 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/Day Case Procedure, or within 180 days after discharge for 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 regular haemodialysis or peritoneal dialysis in a Kidney Dialysis Clinic or at home. p.39 |
| Day case procedures | Covered as in-patient, no specific limit beyond overall annual limit. p.16 |
| Home nursing | Full cover, within 90 days after discharge/Day Case Procedure, 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. Post-confinement/Day Case Procedure outpatient physiotherapy, chiropractic, occupational, and speech therapy up to HKD15,000 per policy year (within 90 days after discharge/Day Case Procedure) if item (k) is exhausted. p.39 |
| 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. Follow-up treatment not covered. p.23 |
| Hospital cash | HKD2,000 per day for using a lower ward class in a private hospital in Hong Kong or 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.36 |
| No-claim discount | 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 | Expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments. p.23 |
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$19,670 to HK$22,129.
| 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.