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

AXA China Region Insurance Company Limited · 7 plan series · 13 variants

AXA China Region Insurance Company Limited offers 13 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 12 Flexi), covering Worldwide (including United States), across Ward, Semi-Private Room, Standard Private Room and No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.

Data version: Jul 2, 2026

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Compare 2:
Item
AXA WiseGuard Medical Insurance Plan
Smart Medicare - Regular (HKD)
Highlights
VHIS cert no.
S00033-01-000-02Benefits PDFPremiums PDF
F00018-01-000-03Benefits PDFPremiums PDF
F00018-04-000-03Benefits PDFPremiums PDF
Plan Type
Standard Plan
Itemised Limits
Main coverage region
Worldwide (including United States)
Worldwide (including United States)
Ward class
No ward-class restriction (item limits apply)
Ward
Lifetime benefit limit
Annual benefit limit
No overall limit
Per-illness benefit limit
—
—
SMM Supplemental Major Medical
—
Not listed
No-Claim Bonus
Not listed
15% (consecutive 3 yrs)
Deductible Options
—
—
Deductible reduction at specified ages
Not applicable
Not applicable
Ver.
Latest version · 2021-03-22
Latest version · 2026-07-02
Basic Benefits
(a) Room and board
HK$750 per day, maximum 180 days per Policy Year
HK$800 per day, maximum 180 days per Policy Year(US$100 per day, maximum 180 days per Policy Year)
(b) Miscellaneous charges
HK$14,000 per Policy Year
HK$14,000 per Policy Year(US$1,820 per Policy Year)
(c) Attending doctor's visit fee
HK$750 per day, maximum 180 days per Policy Year
HK$750 per day, maximum 180 days per Policy Year(US$98 per day, maximum 180 days per Policy Year)
(d) Specialist's fee
HK$4,300 per Policy Year
HK$4,300 per Policy Year(US$560 per Policy Year)
(e) Intensive care
HK$3,500 per day, maximum 25 days per Policy Year
HK$3,500 per day, maximum 90 days per Policy Year(US$455 per day, maximum 90 days per Policy Year)
    Surgeon's fee — Minor
HK$5,000
$5,000(US$650)
    Surgeon's fee — Intermediate
HK$12,500
$12,500(US$1,625)
    Surgeon's fee — Major
HK$25,000
$25,000(US$3,250)
    Surgeon's fee — Complex
HK$50,000
$50,000(US$6,495)
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
HK$20,000 per Policy YearSubject to Coinsurance: 30%
HK$20,000 per Policy YearSubject to Coinsurance: 30%(US$2,598 per Policy YearSubject to Coinsurance: 30%)
(j) Prescribed Non-surgical Cancer Treatments
HK$80,000 per Policy Year
HK$80,000 per Policy Year(US$10,390 per Policy Year)
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
HK$580 per visit, HK$3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
HK$580 per visit, HK$3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$76 per visit, US$390 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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
HK$30,000 per Policy Year
HK$30,000 per Policy Year(US$3,898 per Policy Year)
Extra Benefits
Accident-related
Emergency outpatient treatment for Accident
—
HK$5,000 per Policy Year within 24 hours of the Accident(US$650 per Policy Year within 24 hours of the Accident)
Outpatient-related
Outpatient kidney dialysis
—
HK$50,000 per Policy Year(US$6,495 per Policy Year)
Event Benefits
Compassionate death benefit
HK$10,000 per Policy
HK$15,000 per policy(US$1,875 per policy)
Medical accident and incident extension benefit
—
HK$60,000 per policy(US$7,500 per policy)

“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.