ByCompany

AXA China Region Insurance Company Limited — same-insurer plan comparison

AXA China Region Insurance Company Limited · 7 plan series (13 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

7/7

AXA WiseGuard Medical Insurance Plan

AXA安盛守慧醫療保障

Ver. Mar 22, 2021

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00033-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Smart Medicare - Regular

真智安心醫療保障 - 標準HKD + USD

Ver. Jul 2, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00018-01-000-03Benefits PDF Premiums PDF
F00018-04-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

Smart Medicare - Regular with SMM

真智安心醫療保障 - 標準+額外醫療附加保障HKD + USD

Ver. Jul 2, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00018-01-001-03Benefits PDF Premiums PDF
F00018-04-001-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: 0% co-insurance

Smart Medicare - Superior

真智安心醫療保障 - 特級HKD + USD

Ver. Jul 2, 2025

Score75/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00018-02-000-03Benefits PDF Premiums PDF
F00018-05-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

Smart Medicare - Superior with SMM

真智安心醫療保障 - 特級+額外醫療附加保障HKD + USD

Ver. Jul 2, 2025

Score75/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00018-02-001-03Benefits PDF Premiums PDF
F00018-05-001-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: 0% co-insurance

Smart Medicare - Premier

真智安心醫療保障 - 至尊HKD + USD

Ver. Jul 2, 2025

Score90/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00018-03-000-03Benefits PDF Premiums PDF
F00018-06-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

Smart Medicare - Premier with SMM

真智安心醫療保障 - 至尊+額外醫療附加保障HKD + USD

Ver. Jul 2, 2025

Score90/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00018-03-001-03Benefits PDF Premiums PDF
F00018-06-001-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: 0% co-insurance

計劃名稱

AXA WiseGuard Medical Insurance Plan

AXA安盛守慧醫療保障

Cat 1

Ver. Mar 22, 2021

VHIS Cert. No.

S00033-01-000-02Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Outpatient kidney dialysis

—

Emergency outpatient treatment for Accident

—

Event Benefits Event

Compassionate death benefit

$8,800

Medical accident and incident extension benefit

—

計劃 1 / 7

AXA安盛守慧醫療保障

AXA WiseGuard Medical Insurance Plan

標準Cat 1Ver. Mar 22, 2021保障評分 59/100

VHIS 認可編號: S00033-01-000-02
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: —
意外急症門診治療費用賠償: —

事件保障 Event

恩恤身故賠償: $8,800
醫療意外事故保障: —

計劃 2 / 7

真智安心醫療保障 - 標準 (港元)HKD + USD

Smart Medicare - Regular (HKD)

靈活Cat 1Ver. Jul 2, 2025保障評分 65/100 (65–66)

VHIS 認可編號: F00018-01-000-03F00018-04-000-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $800(US$100)
(b) 雜項開支: $14,000(US$1,820)
(c) 主診醫生巡房費: $750(US$98)
(d) 專科醫生費: $4,300(US$560)
(e) 深切治療: $3,500(US$455)
(f) 外科醫生費 — 小型: HKD$650 - $5,000USDUS$650
(f) 外科醫生費 — 中型: HKD$1,625 - $12,500USDUS$1,625
(f) 外科醫生費 — 大型: HKD$3,250 - $25,000USDUS$3,250
(f) 外科醫生費 — 複雜: HKD$6,495 - $50,000USDUS$6,495
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000(US$2,598)
(j) 訂明非手術癌症治療: $80,000(US$10,390)
(k) 入院前或出院後／日間手術前後的門診護理: $580, (US$76,) per visit, $3,000 (US$390) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000(US$3,898)

額外保障 Extra

門診洗腎: $50,000(US$6,495)
意外急症門診治療費用賠償: $5,000(US$650)

事件保障 Event

恩恤身故賠償: $15,000(US$1,875)
醫療意外事故保障: $60,000(US$7,500)

計劃 3 / 7

真智安心醫療保障 - 標準+額外醫療附加保障 (港元)HKD + USD

Smart Medicare - Regular with SMM (HKD)

靈活Cat 1Ver. Jul 2, 2025保障評分 65/100 (65–66)

VHIS 認可編號: F00018-01-001-03F00018-04-001-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $800(US$100)
(b) 雜項開支: $14,000(US$1,820)
(c) 主診醫生巡房費: $750(US$98)
(d) 專科醫生費: $4,300(US$560)
(e) 深切治療: $3,500(US$455)
(f) 外科醫生費 — 小型: HKD$650 - $5,000USDUS$650
(f) 外科醫生費 — 中型: HKD$1,625 - $12,500USDUS$1,625
(f) 外科醫生費 — 大型: HKD$3,250 - $25,000USDUS$3,250
(f) 外科醫生費 — 複雜: HKD$6,495 - $50,000USDUS$6,495
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000(US$2,598)
(j) 訂明非手術癌症治療: $80,000(US$10,390)
(k) 入院前或出院後／日間手術前後的門診護理: $580, (US$76,) per visit, $3,000 (US$390) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000(US$3,898)

額外保障 Extra

門診洗腎: $50,000(US$6,495)
意外急症門診治療費用賠償: $5,000(US$650)

事件保障 Event

恩恤身故賠償: $15,000(US$1,875)
醫療意外事故保障: $60,000(US$7,500)

計劃 4 / 7

真智安心醫療保障 - 特級 (港元)HKD + USD

Smart Medicare - Superior (HKD)

靈活Cat 1Ver. Jul 2, 2025保障評分 75/100 (75–77)

VHIS 認可編號: F00018-02-000-03F00018-05-000-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,600(US$200)
(b) 雜項開支: $20,000(US$2,500)
(c) 主診醫生巡房費: $1,500(US$190)
(d) 專科醫生費: $5,000(US$650)
(e) 深切治療: $5,000(US$650)
(f) 外科醫生費 — 小型: HKD$1,000 - $8,000USDUS$1,000
(f) 外科醫生費 — 中型: HKD$2,500 - $20,000USDUS$2,500
(f) 外科醫生費 — 大型: HKD$5,000 - $40,000USDUS$5,000
(f) 外科醫生費 — 複雜: HKD$10,390 - $80,000USDUS$10,390
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $25,000(US$3,125)
(j) 訂明非手術癌症治療: $80,000(US$10,390)
(k) 入院前或出院後／日間手術前後的門診護理: $780, (US$98,) per visit, $5,000 (US$650) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000(US$3,898)

額外保障 Extra

門診洗腎: $100,000(US$12,500)
意外急症門診治療費用賠償: $10,000(US$1,250)

事件保障 Event

恩恤身故賠償: $20,000(US$2,500)
醫療意外事故保障: $200,000(US$25,000)

計劃 5 / 7

真智安心醫療保障 - 特級+額外醫療附加保障 (港元)HKD + USD

Smart Medicare - Superior with SMM (HKD)

靈活Cat 1Ver. Jul 2, 2025保障評分 75/100 (75–77)

VHIS 認可編號: F00018-02-001-03F00018-05-001-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,600(US$200)
(b) 雜項開支: $20,000(US$2,500)
(c) 主診醫生巡房費: $1,500(US$190)
(d) 專科醫生費: $5,000(US$650)
(e) 深切治療: $5,000(US$650)
(f) 外科醫生費 — 小型: HKD$1,000 - $8,000USDUS$1,000
(f) 外科醫生費 — 中型: HKD$2,500 - $20,000USDUS$2,500
(f) 外科醫生費 — 大型: HKD$5,000 - $40,000USDUS$5,000
(f) 外科醫生費 — 複雜: HKD$10,390 - $80,000USDUS$10,390
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $25,000(US$3,125)
(j) 訂明非手術癌症治療: $80,000(US$10,390)
(k) 入院前或出院後／日間手術前後的門診護理: $780, (US$98,) per visit, $5,000 (US$650) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000(US$3,898)

額外保障 Extra

門診洗腎: $100,000(US$12,500)
意外急症門診治療費用賠償: $10,000(US$1,250)

事件保障 Event

恩恤身故賠償: $20,000(US$2,500)
醫療意外事故保障: $200,000(US$25,000)

計劃 6 / 7

真智安心醫療保障 - 至尊 (港元)HKD + USD

Smart Medicare - Premier (HKD)

靈活Cat 1Ver. Jul 2, 2025保障評分 90/100

VHIS 認可編號: F00018-03-000-03F00018-06-000-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,500(US$570)
(b) 雜項開支: $35,000(US$4,380)
(c) 主診醫生巡房費: $4,500(US$570)
(d) 專科醫生費: $10,000(US$1,250)
(e) 深切治療: $8,000(US$1,000)
(f) 外科醫生費 — 小型: HKD$2,000 - $16,000USDUS$2,000
(f) 外科醫生費 — 中型: HKD$5,000 - $40,000USDUS$5,000
(f) 外科醫生費 — 大型: HKD$10,390 - $80,000USDUS$10,390
(f) 外科醫生費 — 複雜: HKD$20,000 - $160,000USDUS$20,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000(US$3,750)
(j) 訂明非手術癌症治療: $80,000(US$10,390)
(k) 入院前或出院後／日間手術前後的門診護理: $980, (US$123,) per visit, $7,000 (US$875) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000(US$3,898)

額外保障 Extra

門診洗腎: $200,000(US$25,000)
意外急症門診治療費用賠償: $22,000(US$2,750)

事件保障 Event

恩恤身故賠償: $30,000(US$3,750)
醫療意外事故保障: $550,000(US$68,750)

計劃 7 / 7

真智安心醫療保障 - 至尊+額外醫療附加保障 (港元)HKD + USD

Smart Medicare - Premier with SMM (HKD)

靈活Cat 1Ver. Jul 2, 2025保障評分 90/100

VHIS 認可編號: F00018-03-001-03F00018-06-001-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,500(US$570)
(b) 雜項開支: $35,000(US$4,380)
(c) 主診醫生巡房費: $4,500(US$570)
(d) 專科醫生費: $10,000(US$1,250)
(e) 深切治療: $8,000(US$1,000)
(f) 外科醫生費 — 小型: HKD$2,000 - $16,000USDUS$2,000
(f) 外科醫生費 — 中型: HKD$5,000 - $40,000USDUS$5,000
(f) 外科醫生費 — 大型: HKD$10,390 - $80,000USDUS$10,390
(f) 外科醫生費 — 複雜: HKD$20,000 - $160,000USDUS$20,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000(US$3,750)
(j) 訂明非手術癌症治療: $80,000(US$10,390)
(k) 入院前或出院後／日間手術前後的門診護理: $980, (US$123,) per visit, $7,000 (US$875) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000(US$3,898)

額外保障 Extra

門診洗腎: $200,000(US$25,000)
意外急症門診治療費用賠償: $22,000(US$2,750)

事件保障 Event

恩恤身故賠償: $30,000(US$3,750)
醫療意外事故保障: $550,000(US$68,750)