AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-21-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,730 |
| 45 | HK$16,325 |
| 60 | HK$32,128 |
| 75 | HK$67,691 |
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 benefits paid; no refund after cooling-off period. p.5 |
| Switching from another plan | Can switch to another plan with upgraded benefits with re-underwriting limited to the upgrade. Can upgrade to Noble benefit level without re-underwriting once per lifetime under specific conditions (no deductible decrease/removal, change of residential address, request before renewal). 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.33 |
| 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 | 40,000,000 HKD p.38 |
| Lifetime limit | none p.38 |
| 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 and every 5 years thereafter, once per lifetime. p.37 |
| Coinsurance | none p.24 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation more than 30 days before admission, and all prior outpatient visits or emergency consultations within 30 days before admission. 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 | 50,000 HKD 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 p.16 |
| Home nursing | Full cover for home nursing services by 1 Qualified Nurse per day for a maximum of 90 days per Policy Year, within 90 days after discharge/Day Case Procedure. p.39 |
| Hospice care | not stated p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered as part of post-discharge outpatient care; additional $15,000 HKD per Policy Year for ancillary benefit if other limits exhausted. p.38 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | none p.22 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. p.22 |
| Hospital cash | 2,000 HKD per day for using a lower ward class in Hong Kong and Macau private hospitals, maximum 10 days per confinement. p.39 |
| Companion bed | Full cover for actual expenses of an extra bed for one companion, excluding guest meals. p.35 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available. p.15 |
| No-claim discount | 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years. p.40 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); sexual dysfunction including impotence, erectile dysfunction or pre-mature ejaculation. 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$14,511 to HK$16,325.
| 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.