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AXA WiseGuard Pro Medical Insurance Plan 

The Only Plan Achieving 5 Star Rating for All Ward Classes with 100% Average Coverage


AXA WiseGuard Pro Medical Insurance Plan ("AXA WiseGuard Pro") has won the 10Life Outstanding VHIS Award for two consecutive years, and is the only one who received perfect score in 10Life Medical Coverage for all three ward classes (ward, semi-private, standard private), outperforming the market.

The strengths of AXA WiseGuard Pro include:

  1. Among the Voluntary Health Insurance Scheme (“VHIS”) ward plans provided by top life insurance companies, only the Regular benefit level of AXA WiseGuard Pro has been awarded full score in 10Life Medical Coverage* and has no lifetime benefit limit.

  2. AXA WiseGuard Pro is a 5-star plan and the only VHIS plan in the market that provides full cover1 for all three ward classes and comes with worldwide (excluding USA)2 coverage option.
AXA WiseGuard Pro offers features providing comprehensive protection including full cover1and high annual benefit limit, etc, as well as no lifetime benefit limit which could withstand medical inflation, thus winning the 10Life Outstanding VHIS Award 2022.

To make it easier for consumers to compare VHIS plans, 10Life consulted medical specialists on the medical expenses data for 12 common medical cases with different severity. 10Life’s actuaries then estimated the coverage ratio of each medical case according to the coverage and policy terms and conditions of each product. This year, 10Life has upgraded the rating standard by enhancing the cost assumptions on the breast cancer case to take chemotherapy, radiotherapy and breast reconstructive surgery expenses into calculation and select the outstanding plans from over 150 VHIS plans in the market.

*As of 31 Dec 2021

AXA WiseGuard Pro Medical Insurance Plan



12 Medical Cases 
with Different Severity 
including Angioplasty, ACL Surgery, 
Stroke, Cancer, etc
Breast Cancer 
with Mastectomy, Reconstruction, 
Chemotherapy & Radiotherapy
Medical Inflation
Protection Features

Average Coverage^
Estimated Coverage^

100%

100%


Estimated Coverage for Other Medical Cases

^The calculation was based on the expenses of a number of common medical cases with different severity and required medical services under normal circumstances. 10Life’s actuaries then calculated the estimated average coverage of each product. For details, please refer to the methodology.

AXA WiseGuard Pro Medical Insurance Plan Benefit Summary





Benefit Level Regular
Product website
Enhance
Product website
Premier
Product website
Noble
Product website
Ward class Ward Semi-private Standard private Standard private
Geographical Limitation
(For emergency treatment)
Worldwide3
Geographical Limitation
(For non-emergency treatment)
Greater China3,4 Asia
(Including Australia
and New Zealand)3,5
Asia
(Including Australia
and New Zealand)3,5
Worldwide
excluding USA2,3
Annual benefit limit
per year
(HKD)
$5,000,000
per policy year
$25,000,000
per policy year
$30,000,000
per policy year
$40,000,000
per policy year
Lifetime benefit limit
(HKD)
Nil
Deductible
(HKD)
Nil / $20,000 / $50,000
per policy year



Comprehensive and Flexible Product Features


First-in-market and industry leading


AXA WiseGuard Pro is the first-in-market VHIS product which offers ward room plan with "full cover1" feature. You can enjoy 5 Star perfect score coverage with premium as low as HK$76 per day, making it a hot VHIS choice for general public.

AXA WiseGuard Pro’s geographic coverage options includes Greater China4, Asia (including Australia and New Zealand)5, or Worldwide (excluding USA)2. AXA WiseGuard Pro offers several upgraded benefits on top of the VHIS standard plan coverages:

Full cover for hospitalisation and surgical benefits1 Eligible hospitalisation and surgical expenses will be fully covered 1for all benefit levels without sub-limit and lifetime limit constraints for major items such as room & board, surgeon’s fee, anaesthetist’s fee, and prescribed diagnostic imaging tests, etc.
Full cover for prescribed non-surgical cancer treatments and outpatient kidney dialysis7 If the insured is unfortunately diagnosed with cancer, the plan will provide full cover on eligible expenses including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy, so that the insured does not need to worry about the medical bills. Besides, the plan also provides full cover7 on the kidney dialysis expenses in long term for chronic kidney failure.
No waiting period for unknown pre-existing conditions The insured will be fully reimbursed without any waiting period on eligible expenses arising from unknown pre-existing conditions which the insured is reasonably unaware of at the time of insurance application (subject to the benefit schedule and the policy contract).
Pre- and post-confinement/day case procedure outpatient care Full cover1for all prior specified outpatient visits or emergency consultations within 30 days before each admission/day case procedure and follow-up outpatient visits per confinement/day case procedure within 90 days after discharge from hospital or completion of day case procedure.
For emergency treatment Worldwide coverage for all benefit levels.
Other enhanced benefits including companion bed, home nursing, specified reconstructive surgery benefit, emergency outpatient treatment for accident, etc.

No lifetime benefit limit

AXA WiseGuard Pro offers full cover1 for most benefit items, so the insured does not need to worry about sub-limits. Taking breast cancer as an example, AXA WiseGuard Pro’s estimated coverage is 100% and fully covers1 breast reconstruction surgery.

Medical costs are becoming increasingly expensive these days. As full cover1 products are subject to annual and lifetime benefit limits, having a high benefit limit is crucial. Depending on benefit levels, the annual limit of AXA WiseGuard Pro ranges from $5 million to $40 million with no lifetime benefit limit, so that the insured does not need to worry about medical inflation.

One-stop medical platform with all-round value-added services

In addition to hospitalisation coverage, AXA WiseGuard Pro also provides various professional support. AXA Signature Network offers access to vast network of doctors, as well as well-equipped network healthcare facilities8, including private hospitals and day care procedure centres such as Hong Kong Sanatorium & Hospital, Gleneagles Hospital Hong Kong, Hong Kong Baptist Hospital. The insured can also enjoy “cashless arrangement9” to ease the claim process.The insured of the Noble benefit level can enjoy worldwide cashless service9 from over 10,000 medical service providers8 in major cities or regions around the globe.

AXA WiseGuard Pro also offers other value-added services, including 24-hour worldwide emergency assistance, free hospital admission deposit guarantee service in mainland China, free second medical opinion, case management and nurse hotline, etc. to support the insured during the journey from treatment to recovery.

Coverage upgrades with no additional premium

AXA always strives for improvement and commits to providing customers with high-quality cover and experience. To appreciate the support of its customers, existing customers of AXA WiseGuard Pro can enjoy upgraded coverage with no additional premium. In addition, a new Noble benefit level has been added to extend the geographic coverage to the worldwide (excluding USA)2 to keep pace with market needs.


Remarks
  1. Full cover shall mean no itemised benefit sub-limit and is only applicable to the reimbursement of the actual amount of eligible expenses and / or other expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit and other conditions as stated in the product brochure and the policy contract. Full cover applies to certain benefit items only. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
  2. “Worldwide excluding USA” shall mean worldwide excluding USA. USA shall mean the United States of America and US Minor Outlying Islands.
  3. Except for psychiatric treatments and cash benefit for lower ward class in Hong Kong and Macau.
  4. “Greater China” shall include mainland China, Hong Kong, Taiwan and Macau.
  5. “Asia (including Australia and New Zealand)” shall include Afghanistan, Australia, Bangladesh, Bhutan, Brunei, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, Philippines, Singapore, South Korea, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam.
  6. Based on the annual premium of AXA WiseGuard Pro Medical Insurance Plan Regular benefit level (with HK$50,000 deductible) for a 30-year-old, i.e. HK$2,545. Rounding to the nearest dollar arrives at HK$7 per day.
  7. Full cover of prescribed non-surgical cancer treatments and outpatient kidney dialysis are subject to the annual benefit limit, lifetime benefit limit, deductible (if any) and other conditions as stated in the relevant product brochure and policy contract. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
  8. Network Doctors, Network healthcare facilities and designated service providers are independent third parties and are not agents of AXA. AXA shall not have any obligation or liability whatsoever in relation to the medical services provided by the Network Doctors, the Network healthcare facilities and designated service providers, and shall not be responsible for or liable to any act or failure to act on the part of the Network Doctors, Network healthcare facilities and designated service providers. The list of Network Doctors, Network healthcare facilities and designated service providers is subject to change from time to time at AXA’s sole discretion without prior notice.
  9. Terms and conditions apply and subject to pre-approval by AXA. Please refer to the policy holder guide map for details, which will be provided to you together with the policy contract after your policy takes effect.

Note: The information above is sponsored content and updated as of May 23, 2022. This article contains general information only. For details, please refer to the product website. The plan is subject to the terms, conditions and exclusions of the relevant policy contract.

Related documents

           Product Website
           Product Brochure
           AXA Signature Network Leaflet
           Policy Terms and Conditions

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Disclaimer

  1. The information of this article has been provided by the advertiser to promote its products and services.
  2. The information of this article is intended for general education purpose and reference only. None of the information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any insurance, financial or investment products.
  3. 10Life Group and its subsidiaries will not be responsible for any liability, claims or losses arising from or associated with you using the information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information.
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