AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-23-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,700 |
| 45 | HK$2,766 |
| 60 | HK$5,529 |
| 75 | HK$12,099 |
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$5,161,290 |
| 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$6,494 |
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 benefit paid. After cooling-off, cancellation with 30 days' notice if no benefit paid in current Policy Year. Pro-rata refund for current Policy Year if terminated due to Insured Person's death or Company ceasing authorization. p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits may require re-underwriting for the upgraded benefits. Upgrade to Noble benefit level without re-underwriting is allowed once per lifetime under specific conditions (deductible not decreased/removed, change of residential address outside territory, request before renewal date). p.13 |
| Room class | Standard Private Room p.38 |
| If a higher room is used | 0% adjustment factor applied to Variable Benefits if a higher ward class than entitled is used p.1 |
| Geographical cover | Worldwide excluding USA p.38 |
| Psychiatric treatment area | Hong Kong and Macau only p.38 |
| Emergency treatment abroad | Covered worldwide, subject to annual limit p.1 |
| Full cover on core benefits | yes p.38 |
| Annual limit | 5,161,290 USD per Policy Year p.38 |
| Lifetime limit | none p.38 |
| Deductible options | 0, 20000, 50000 p.40 |
| How the deductible applies | Per Policy Year, applies to all benefits unless otherwise stated. Option to remove or decrease without re-underwriting at age 55 and every 5 years thereafter, once per lifetime. p.11 |
| Coinsurance | none p.24 |
| 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 (or 180 days if major/complex surgery) per Confinement/Day Case Procedure. p.38 |
| General outpatient | none |
| Psychiatric treatment | 6,494 USD per Policy Year p.39 |
| Diagnostic imaging coinsurance | none p.38 |
| Non-surgical cancer treatment | full cover p.38 |
| Kidney dialysis | Full cover for outpatient kidney dialysis p.39 |
| Day case procedures | Covered as in-patient for various benefits, no specific limit other than 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 under miscellaneous charges. Post-Confinement/Day Case Procedure outpatient physiotherapy, chiropractic, occupational, speech therapy up to 1,948 USD per Policy Year (within 90 days after discharge/Day Case Procedure, if benefit item (k) is exhausted). p.17 |
| Congenital conditions | Excluded 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 | 260 USD per day for using a ward class below Standard Private Room 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, not covering guest meals. p.4 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available. p.15 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years. p.14 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances. 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$2,459 to HK$2,766.
| 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.