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AXA China Region Insurance Company (Hong Kong) Limited — same-insurer plan comparison

AXA China Region Insurance Company (Hong Kong) Limited · 11 plan series (37 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.

11/11

AXA WiseGuard Medical Insurance Plan

AXA安盛守慧醫療保障

Ver. Jan 26, 2026

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00014-01-000-03Benefits 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. Jan 26, 2026

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00017-01-000-04Benefits PDF Premiums PDF
F00017-04-000-04Benefits 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. Jan 26, 2026

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00017-01-001-04Benefits PDF Premiums PDF
F00017-04-001-04Benefits 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. Jan 26, 2026

Score75/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00017-02-000-04Benefits PDF Premiums PDF
F00017-05-000-04Benefits 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. Jan 26, 2026

Score75/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00017-02-001-04Benefits PDF Premiums PDF
F00017-05-001-04Benefits 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. Jan 26, 2026

Score90/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00017-03-000-04Benefits PDF Premiums PDF
F00017-06-000-04Benefits 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. Jan 26, 2026

Score90/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00017-03-001-04Benefits PDF Premiums PDF
F00017-06-001-04Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: 0% co-insurance

AXA WiseGuard Pro Medical Insurance Plan - Regular

AXA安盛智尊守慧醫療保障 - 標準HKD + USD

Ver. Jan 26, 2026

Score71/100

FlexiCat 3Ward: WardRegion: Greater China

VHIS Cert. No.: F00034-01-000-05Benefits PDF Premiums PDF
F00034-02-000-05Benefits PDF Premiums PDF
F00034-03-000-05Benefits PDF Premiums PDF
F00034-10-000-05Benefits PDF Premiums PDF
F00034-11-000-05Benefits PDF Premiums PDF
F00034-12-000-05Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$5,000,000(US$645,161)
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

HKD$0$20K$50K

USDUS$0US$2,500US$6,250

AXA WiseGuard Pro Medical Insurance Plan - Enhance

AXA安盛智尊守慧醫療保障 - 卓越HKD + USD

Ver. Jan 26, 2026

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia incl. AU/NZ

VHIS Cert. No.: F00034-04-000-05Benefits PDF Premiums PDF
F00034-05-000-05Benefits PDF Premiums PDF
F00034-06-000-05Benefits PDF Premiums PDF
F00034-13-000-05Benefits PDF Premiums PDF
F00034-14-000-05Benefits PDF Premiums PDF
F00034-15-000-05Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$25,000,000(US$3,225,806)
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

HKD$0$20K$50K

USDUS$0US$2,500US$6,250

AXA WiseGuard Pro Medical Insurance Plan - Premier

AXA安盛智尊守慧醫療保障 - 優尚HKD + USD

Ver. Jan 26, 2026

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Asia incl. AU/NZ

VHIS Cert. No.: F00034-07-000-05Benefits PDF Premiums PDF
F00034-08-000-05Benefits PDF Premiums PDF
F00034-09-000-05Benefits PDF Premiums PDF
F00034-16-000-05Benefits PDF Premiums PDF
F00034-17-000-05Benefits PDF Premiums PDF
F00034-18-000-05Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$30,000,000(US$3,870,968)
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

HKD$0$20K$50K

USDUS$0US$2,500US$6,250

AXA WiseGuard Pro Medical Insurance Plan - Noble

AXA安盛智尊守慧醫療保障 - 尊貴HKD + USD

Ver. Jan 26, 2026

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00034-19-000-03Benefits PDF Premiums PDF
F00034-20-000-03Benefits PDF Premiums PDF
F00034-21-000-03Benefits PDF Premiums PDF
F00034-22-000-03Benefits PDF Premiums PDF
F00034-23-000-03Benefits PDF Premiums PDF
F00034-24-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$40,000,000(US$5,161,290)
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

HKD$0$20K$50K

USDUS$0US$2,500US$6,250

計劃名稱

AXA WiseGuard Medical Insurance Plan

AXA安盛守慧醫療保障

Cat 1

Ver. Jan 26, 2026

VHIS Cert. No.

S00014-01-000-03Benefits 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

—

(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

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Medical implants / prosthetic devices

—

Daily post-surgery home nursing benefit

—

Reconstructive surgery for specified conditions

—

Organ transplant donor benefit

—

Cancer / cardiac / stroke rehabilitation benefit

—

Hospital companion bed fee reimbursement

—

Health check-up benefit

—

Cash Benefits Cash

Lower ward class cash benefit

—

Event Benefits Event

Compassionate death benefit

$8,800

Medical accident and incident extension benefit

—

計劃名稱

AXA WiseGuard Medical Insurance Plan

AXA安盛守慧醫療保障

Cat 1

Ver. Jan 26, 2026

計劃 1 / 11

AXA安盛守慧醫療保障

AXA WiseGuard Medical Insurance Plan

標準Cat 1Ver. Jan 26, 2026保障評分 59/100

VHIS 認可編號: S00014-01-000-03
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: —
(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: —
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
指定重建手術保障: —
器官移植的捐贈者保障: —
復康保障: —
住院陪床: —
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $8,800
醫療意外事故保障: —

計劃 2 / 11

真智安心醫療保障 - 標準 (港元)HKD + USD

Smart Medicare - Regular (HKD)

靈活Cat 1Ver. Jan 26, 2026保障評分 65/100 (65–66)

VHIS 認可編號: F00017-01-000-04F00017-04-000-04
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: —
(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)
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
指定重建手術保障: —
器官移植的捐贈者保障: —
復康保障: —
住院陪床: —
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: —

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 / 11

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. Jan 26, 2026保障評分 65/100 (65–66)

VHIS 認可編號: F00017-01-001-04F00017-04-001-04
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: —
(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)
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
指定重建手術保障: —
器官移植的捐贈者保障: —
復康保障: —
住院陪床: —
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: —

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 / 11

真智安心醫療保障 - 特級 (港元)HKD + USD

Smart Medicare - Superior (HKD)

靈活Cat 1Ver. Jan 26, 2026保障評分 75/100 (75–77)

VHIS 認可編號: F00017-02-000-04F00017-05-000-04
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: —
(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)
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
指定重建手術保障: —
器官移植的捐贈者保障: —
復康保障: —
住院陪床: —
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: —

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 / 11

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. Jan 26, 2026保障評分 75/100 (75–77)

VHIS 認可編號: F00017-02-001-04F00017-05-001-04
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: —
(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)
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
指定重建手術保障: —
器官移植的捐贈者保障: —
復康保障: —
住院陪床: —
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: —

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 / 11

真智安心醫療保障 - 至尊 (港元)HKD + USD

Smart Medicare - Premier (HKD)

靈活Cat 1Ver. Jan 26, 2026保障評分 90/100

VHIS 認可編號: F00017-03-000-04F00017-06-000-04
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: —
(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)
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
指定重建手術保障: —
器官移植的捐贈者保障: —
復康保障: —
住院陪床: —
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: —

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 / 11

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. Jan 26, 2026保障評分 90/100

VHIS 認可編號: F00017-03-001-04F00017-06-001-04
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: —
(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)
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
指定重建手術保障: —
器官移植的捐贈者保障: —
復康保障: —
住院陪床: —
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: —

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 8 / 11

AXA安盛智尊守慧醫療保障 - 標準HKD + USD

AXA WiseGuard Pro Medical Insurance Plan - Regular

靈活Cat 3Ver. Jan 26, 2026保障評分 71/100 (44–71)

VHIS 認可編號: F00034-01-000-05F00034-02-000-05F00034-03-000-05F00034-10-000-05F00034-11-000-05F00034-12-000-05
計劃類別: 靈活
保障地域範圍: 大中華 Greater China
病房級別: 普通病房 Ward
每年賠償限額: HK$5,000,000(US$645,161)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: HKD$0 / $20K / $50K
USDUS$0 / US$2,500 / US$6,250

基本保障 Basic

(a) 病房及膳食: 全數賠償
(b) 雜項開支: 全數賠償
(c) 主診醫生巡房費: 全數賠償
(d) 專科醫生費: 全數賠償
(e) 深切治療: 全數賠償
(f) 外科醫生費: 全數賠償
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: 全數賠償
(h) 手術室費: 全數賠償
(i) 訂明診斷成像檢測: 全數賠償
(j) 訂明非手術癌症治療: 全數賠償
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses, for the consultations specified below (excluding physiotherapy, chiropractic, occupational therapy and speech therapy): • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital) Follow-up outpatient visits are subject to the limits below for physiotherapy, chiropractic, occupational therapy and/or speech therapy.
(l) 精神科治療: $30,000(US$3,898)

額外保障 Extra

門診洗腎: 全數賠償
意外急症門診治療費用賠償: 全數賠償
出院後 / 日間手術後的額外門診輔助治療: $3,000(US$390)
醫療植入裝置: 全數賠償
家中看護: 全數賠償
指定重建手術保障: 全數賠償
器官移植的捐贈者保障: —
復康保障: —
住院陪床: 全數賠償
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000(US$1,299)
醫療意外事故保障: —

計劃 9 / 11

AXA安盛智尊守慧醫療保障 - 卓越HKD + USD

AXA WiseGuard Pro Medical Insurance Plan - Enhance

靈活Cat 3Ver. Jan 26, 2026保障評分 88/100 (24–88)

VHIS 認可編號: F00034-04-000-05F00034-05-000-05F00034-06-000-05F00034-13-000-05F00034-14-000-05F00034-15-000-05
計劃類別: 靈活
保障地域範圍: 亞洲（包括澳紐） Asia incl. AU/NZ
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$25,000,000(US$3,225,806)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: HKD$0 / $20K / $50K
USDUS$0 / US$2,500 / US$6,250

基本保障 Basic

(a) 病房及膳食: 全數賠償
(b) 雜項開支: 全數賠償
(c) 主診醫生巡房費: 全數賠償
(d) 專科醫生費: 全數賠償
(e) 深切治療: 全數賠償
(f) 外科醫生費: 全數賠償
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: 全數賠償
(h) 手術室費: 全數賠償
(i) 訂明診斷成像檢測: 全數賠償
(j) 訂明非手術癌症治療: 全數賠償
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses, for the consultations specified below (excluding physiotherapy, chiropractic, occupational therapy and speech therapy): • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital) Follow-up outpatient visits are subject to the limits below for physiotherapy, chiropractic, occupational therapy and/or speech therapy.
(l) 精神科治療: $30,000(US$3,898)

額外保障 Extra

門診洗腎: 全數賠償
意外急症門診治療費用賠償: 全數賠償
出院後 / 日間手術後的額外門診輔助治療: $6,000(US$780)
醫療植入裝置: 全數賠償
家中看護: 全數賠償
指定重建手術保障: 全數賠償
器官移植的捐贈者保障: —
復康保障: —
住院陪床: 全數賠償
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: $1,000(US$130)

事件保障 Event

恩恤身故賠償: $10,000(US$1,299)
醫療意外事故保障: —

計劃 10 / 11

AXA安盛智尊守慧醫療保障 - 優尚HKD + USD

AXA WiseGuard Pro Medical Insurance Plan - Premier

靈活Cat 3Ver. Jan 26, 2026保障評分 98/100 (29–98)

VHIS 認可編號: F00034-07-000-05F00034-08-000-05F00034-09-000-05F00034-16-000-05F00034-17-000-05F00034-18-000-05
計劃類別: 靈活
保障地域範圍: 亞洲（包括澳紐） Asia incl. AU/NZ
病房級別: 私家病房 Private
每年賠償限額: HK$30,000,000(US$3,870,968)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: HKD$0 / $20K / $50K
USDUS$0 / US$2,500 / US$6,250

基本保障 Basic

(a) 病房及膳食: 全數賠償
(b) 雜項開支: 全數賠償
(c) 主診醫生巡房費: 全數賠償
(d) 專科醫生費: 全數賠償
(e) 深切治療: 全數賠償
(f) 外科醫生費: 全數賠償
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: 全數賠償
(h) 手術室費: 全數賠償
(i) 訂明診斷成像檢測: 全數賠償
(j) 訂明非手術癌症治療: 全數賠償
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses, for the consultations specified below (excluding physiotherapy, chiropractic, occupational therapy and speech therapy): • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital) Follow-up outpatient visits are subject to the limits below for physiotherapy, chiropractic, occupational therapy and/or speech therapy.
(l) 精神科治療: $30,000(US$3,898)

額外保障 Extra

門診洗腎: 全數賠償
意外急症門診治療費用賠償: 全數賠償
出院後 / 日間手術後的額外門診輔助治療: $10,000(US$1,299)
醫療植入裝置: 全數賠償
家中看護: 全數賠償
指定重建手術保障: 全數賠償
器官移植的捐贈者保障: —
復康保障: —
住院陪床: 全數賠償
身體檢查保障: —

現金保障 Cash

次級病房級別現金惠益: $2,000(US$260)

事件保障 Event

恩恤身故賠償: $10,000(US$1,299)
醫療意外事故保障: —

計劃 11 / 11

AXA安盛智尊守慧醫療保障 - 尊貴HKD + USD

AXA WiseGuard Pro Medical Insurance Plan - Noble

靈活Cat 3Ver. Jan 26, 2026保障評分 98/100 (29–98)

VHIS 認可編號: F00034-19-000-03F00034-20-000-03F00034-21-000-03F00034-22-000-03F00034-23-000-03F00034-24-000-03
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: HK$40,000,000(US$5,161,290)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: HKD$0 / $20K / $50K
USDUS$0 / US$2,500 / US$6,250

基本保障 Basic

(a) 病房及膳食: 全數賠償
(b) 雜項開支: 全數賠償
(c) 主診醫生巡房費: 全數賠償
(d) 專科醫生費: 全數賠償
(e) 深切治療: 全數賠償
(f) 外科醫生費: 全數賠償
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: 全數賠償
(h) 手術室費: 全數賠償
(i) 訂明診斷成像檢測: 全數賠償
(j) 訂明非手術癌症治療: 全數賠償
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses, for the consultations specified below (excluding physiotherapy, chiropractic, occupational therapy and speech therapy): • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital) Follow-up outpatient visits are subject to the limits below for physiotherapy, chiropractic, occupational therapy and/or speech therapy.
(l) 精神科治療: $50,000(US$6,494)

額外保障 Extra

門診洗腎: 全數賠償
意外急症門診治療費用賠償: 全數賠償
出院後 / 日間手術後的額外門診輔助治療: $15,000(US$1,948)
醫療植入裝置: 全數賠償
家中看護: 全數賠償
指定重建手術保障: 全數賠償
器官移植的捐贈者保障: 30% of the total organ transplant cost
復康保障: $80,000(US$10,390)
住院陪床: 全數賠償
身體檢查保障: $2,000(US$260)

現金保障 Cash

次級病房級別現金惠益: $2,000(US$260)

事件保障 Event

恩恤身故賠償: $10,000(US$1,299)
醫療意外事故保障: —