AXA WiseGuard Pro Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00034-24-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,341 |
| 45 | HK$2,041 |
| 60 | HK$4,016 |
| 75 | HK$8,461 |
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 benefits paid; after cooling-off, cancellation with 30 days notice if no benefits paid in current policy year p.5 |
| Switching from another plan | Upgrade to Noble benefit level without re-underwriting under specific conditions; switching to other plans with upgraded benefits may involve re-underwriting limited to the upgrade p.13 |
| Room class | Standard Private Room p.38 |
| If a higher room is used | An adjustment factor is applied to variable benefits (50% for semi-private, 25% for standard private if entitled general ward; 50% for standard private if entitled semi-private; 0% for any ward class above standard private if entitled general, semi-private or standard private) p.32 |
| Geographical cover | Worldwide excluding USA p.38 |
| Psychiatric treatment area | Hong Kong and Macau only p.38 |
| Emergency treatment abroad | Covered worldwide, no specific limit mentioned other than plan limits p.31 |
| Full cover on core benefits | yes p.38 |
| Annual limit | 5161290 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.38 |
| Coinsurance | none p.21 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation per confinement/day case procedure (more than 30 days before admission) and all prior outpatient visits/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 | 6494 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 for various benefits, no specific limit stated other than overall annual limit p.16 |
| Home nursing | Full cover, 1 Qualified Nurse per day for max 90 days per policy year, within 90 days after discharge/day case procedure p.39 |
| Hospice care | none p.22 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered as follow-up outpatient care; additional $1,948 per policy year for post-confinement/day case procedure outpatient ancillary benefit p.17 |
| Congenital conditions | Covered if manifested or diagnosed after 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 260 per day for using a lower ward class in Hong Kong and Macau, max 10 days per confinement p.39 |
| Companion bed | Full cover p.39 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.45 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA) or health supplements; purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments; expenses reimbursed under any other law, medical program, or insurance policy 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$1,814 to HK$2,041.
| 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.