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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, deductibles merged, HKD/USD merged, sorted from basic to comprehensive)
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Highlights
VHIS cert no.
S00014-01-000-03Benefits PDFPremiums PDF
F00017-01-000-04Benefits PDFPremiums PDF
F00017-04-000-04Benefits PDFPremiums PDF
F00017-01-001-04Benefits PDFPremiums PDF
F00017-04-001-04Benefits PDFPremiums PDF
F00017-02-000-04Benefits PDFPremiums PDF
F00017-05-000-04Benefits PDFPremiums PDF
F00017-02-001-04Benefits PDFPremiums PDF
F00017-05-001-04Benefits PDFPremiums PDF
F00017-03-000-04Benefits PDFPremiums PDF
F00017-06-000-04Benefits PDFPremiums PDF
F00017-03-001-04Benefits PDFPremiums PDF
F00017-06-001-04Benefits PDFPremiums PDF
F00034-01-000-05Benefits PDFPremiums PDF
F00034-02-000-05Benefits PDFPremiums PDF
F00034-03-000-05Benefits PDFPremiums PDF
F00034-10-000-05Benefits PDFPremiums PDF
F00034-11-000-05Benefits PDFPremiums PDF
F00034-12-000-05Benefits PDFPremiums PDF
F00034-04-000-05Benefits PDFPremiums PDF
F00034-05-000-05Benefits PDFPremiums PDF
F00034-06-000-05Benefits PDFPremiums PDF
F00034-13-000-05Benefits PDFPremiums PDF
F00034-14-000-05Benefits PDFPremiums PDF
F00034-15-000-05Benefits PDFPremiums PDF
F00034-07-000-05Benefits PDFPremiums PDF
F00034-08-000-05Benefits PDFPremiums PDF
F00034-09-000-05Benefits PDFPremiums PDF
F00034-16-000-05Benefits PDFPremiums PDF
F00034-17-000-05Benefits PDFPremiums PDF
F00034-18-000-05Benefits PDFPremiums PDF
F00034-19-000-03Benefits PDFPremiums PDF
F00034-20-000-03Benefits PDFPremiums PDF
F00034-21-000-03Benefits PDFPremiums PDF
F00034-22-000-03Benefits PDFPremiums PDF
F00034-23-000-03Benefits PDFPremiums PDF
F00034-24-000-03Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Greater China
Asia incl. AU/NZ
Asia incl. AU/NZ
Worldwide (excluding United States)
Ward
N/A (capped)
Ward
Ward
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Ward
Semi-Private Room
Standard Private Room
Standard Private Room
Lifetime limit
—
—
—
—
—
—
—
—
—
—
—
Annual limit
—
—
—
—
—
—
Per illness
—
—
—
—
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
—
—
—
—
No-Claim Bonus
—
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
Deductible
—
—
—
—
—
—
—
Version
Jan 26, 2026
Jan 26, 2026
Jan 26, 2026
Jan 26, 2026
Jan 26, 2026
Jan 26, 2026
Jan 26, 2026
Jan 26, 2026
Jan 26, 2026
Jan 26, 2026
Jan 26, 2026
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year(US$100 per day, maximum 180 days per Policy Year)
$800 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$100 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
$1,600 per day, maximum 180 days per Policy Year(US$200 per day, maximum 180 days per Policy Year)
$1,600 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$200 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
$4,500 per day, maximum 180 days per Policy Year(US$570 per day, maximum 180 days per Policy Year)
$4,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$570 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(b) Miscellaneous charges
$14,000 per Policy Year
$14,000 per Policy Year(US$1,820 per Policy Year)
$14,000 per Policy Year(US$1,820 per Policy Year)
$20,000 per Policy Year(US$2,500 per Policy Year)
$20,000 per Policy Year(US$2,500 per Policy Year)
$35,000 per Policy Year(US$4,380 per Policy Year)
$35,000 per Policy Year(US$4,380 per Policy Year)
Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$750 per day, maximum 180 days per Policy Year(US$98 per day, maximum 180 days per Policy Year)
$750 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$98 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
$1,500 per day, maximum 180 days per Policy Year(US$190 per day, maximum 180 days per Policy Year)
$1,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$190 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
$4,500 per day, maximum 180 days per Policy Year(US$570 per day, maximum 180 days per Policy Year)
$4,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$570 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year(US$560 per Policy Year)
$4,300 per Policy Year(US$560 per Policy Year)
$5,000 per Policy Year(US$650 per Policy Year)
$5,000 per Policy Year(US$650 per Policy Year)
$10,000 per Policy Year(US$1,250 per Policy Year)
$10,000 per Policy Year(US$1,250 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 90 days per Policy Year(US$455 per day, maximum 90 days per Policy Year)
$3,500 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$455 per day, maximum 90 days per Policy YearEffective from day 91 of confinement)
$5,000 per day, maximum 90 days per Policy Year(US$650 per day, maximum 90 days per Policy Year)
$5,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$650 per day, maximum 90 days per Policy YearEffective from day 91 of confinement)
$8,000 per day, maximum 90 days per Policy Year(US$1,000 per day, maximum 90 days per Policy Year)
$8,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$1,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(f) Surgeon's fee
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Surgeon's fee — Minor
$5,000
$5,000(US$650)
$5,000(US$650)
$8,000(US$1,000)
$8,000(US$1,000)
$16,000(US$2,000)
$16,000(US$2,000)
—
—
—
—
Surgeon's fee — Intermediate
$12,500
$12,500(US$1,625)
$12,500(US$1,625)
$20,000(US$2,500)
$20,000(US$2,500)
$40,000(US$5,000)
$40,000(US$5,000)
—
—
—
—
Surgeon's fee — Major
$25,000
$25,000(US$3,250)
$25,000(US$3,250)
$40,000(US$5,000)
$40,000(US$5,000)
$80,000(US$10,390)
$80,000(US$10,390)
—
—
—
—
Surgeon's fee — Complex
$50,000
$50,000(US$6,495)
$50,000(US$6,495)
$80,000(US$10,390)
$80,000(US$10,390)
$160,000(US$20,000)
$160,000(US$20,000)
—
—
—
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.(US$2,598 per Policy Year. Subject to 30% Coinsurance.)
$20,000 per Policy Year. Subject to 30% Coinsurance.(US$2,598 per Policy Year. Subject to 30% Coinsurance.)
$25,000 per Policy Year. Subject to 30% Coinsurance.(US$3,125 per Policy Year. Subject to 30% Coinsurance.)
$25,000 per Policy Year. Subject to 30% Coinsurance.(US$3,125 per Policy Year. Subject to 30% Coinsurance.)
$30,000 per Policy Year. Subject to 30% Coinsurance.(US$3,750 per Policy Year. Subject to 30% Coinsurance.)
$30,000 per Policy Year. Subject to 30% Coinsurance.(US$3,750 per Policy Year. Subject to 30% Coinsurance.)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(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
$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(US$76, per visit, 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)
$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(US$76, per visit, 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)
$780, per visit, $5,000 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(US$98, per visit, 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)
$780, per visit, $5,000 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(US$98, per visit, 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)
$980, per visit, $7,000 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(US$123, per visit, 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)
$980, per visit, $7,000 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(US$123, per visit, 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)
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.
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.
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.
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) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$50,000 per Policy Year(US$6,494 per Policy Year)
Extra Benefits Extra
Accident-related
Emergency outpatient treatment for Accident
—
$5,000 per Policy Year within 24 hours of the Accident(US$650 per Policy Year within 24 hours of the Accident)
$5,000 per Policy Year within 24 hours of the Accident(US$650 per Policy Year within 24 hours of the Accident)
$10,000 per Policy Year within 24 hours of the Accident(US$1,250 per Policy Year within 24 hours of the Accident)
$10,000 per Policy Year within 24 hours of the Accident(US$1,250 per Policy Year within 24 hours of the Accident)
$22,000 per Policy Year within 24 hours of the Accident(US$2,750 per Policy Year within 24 hours of the Accident)
$22,000 per Policy Year within 24 hours of the Accident(US$2,750 per Policy Year within 24 hours of the Accident)
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Inpatient-related
Medical implants / prosthetic devices
—
—
—
—
—
—
—
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year(Specified items: Full reimbursement of Eligible Expenses; other items: US$19,481 per Policy Year)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year(Specified items: Full reimbursement of Eligible Expenses; other items: US$19,481 per Policy Year)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year(Specified items: Full reimbursement of Eligible Expenses; other items: US$19,481 per Policy Year)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year(Specified items: Full reimbursement of Eligible Expenses; other items: US$19,481 per Policy Year)
Organ transplant donor benefit
—
—
—
—
—
—
—
—
—
—
30% of the total organ transplant cost
Hospital companion bed fee reimbursement
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Private nursing fee (during Confinement)
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day during Confinement, maximum 30 days per Policy Year)
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
—
—
—
—
—
—
—
—
—
$80,000 per Policy Year (within 180 days after discharge from Hospital and maximum 90 days per Policy Year)(US$10,390 per Policy Year (within 180 days after discharge from Hospital and maximum 90 days per Policy Year))
Outpatient kidney dialysis
—
$50,000 per Policy Year(US$6,495 per Policy Year)
$50,000 per Policy Year(US$6,495 per Policy Year)
$100,000 per Policy Year(US$12,500 per Policy Year)
$100,000 per Policy Year(US$12,500 per Policy Year)
$200,000 per Policy Year(US$25,000 per Policy Year)
$200,000 per Policy Year(US$25,000 per Policy Year)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Health check-up benefit
—
—
—
—
—
—
—
—
—
—
1 medical check-up service per Policy Year, up to $2,000 (from the second Policy Year onwards)(1 medical check-up service per Policy Year, up to US$260 (from the second Policy Year onwards))
Daily post-surgery home nursing benefit
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within the post-discharge window; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Post-Confinement / Day Case Procedure auxiliary therapy
—
—
—
—
—
—
—
$3,000 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted)(US$390 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted))
$6,000 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted)(US$780 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted))
$10,000 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted)(US$1,299 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted))
$15,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) is exhausted)(US$1,948 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) is exhausted))
Cancer-related
Reconstructive surgery for specified conditions
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Cash Benefits Cash
Lower ward class cash benefit
—
—
—
—
—
—
—
—
$1,000 per day (Confined in a ward class below the Semi-Private Room in private Hospitals in Hong Kong and Macau, maximum 10 days per Confinement)(US$130 per day (Confined in a ward class below the Semi-Private Room in private Hospitals in Hong Kong and Macau, maximum 10 days per Confinement))
$2,000 per day (Confined in a ward class below the Standard Private Room in private Hospitals in Hong Kong and Macau, maximum 10 days per Confinement)(US$260 per day (Confined in a ward class below the Standard Private Room in private Hospitals in Hong Kong and Macau, maximum 10 days per Confinement))
$2,000 per day (Confined in a ward class below the Standard Private Room in private Hospitals in Hong Kong and Macau, maximum 10 days per Confinement)(US$260 per day (Confined in a ward class below the Standard Private Room in private Hospitals in Hong Kong and Macau, maximum 10 days per Confinement))
Daily hospital cash supplement
—
—
—
—
—
—
—
—
—
—
1 claim per Policy Year, up to $5,000 per Policy Year (only applicable if the Insured Person is aged below 18 and is Confined for at least 5 consecutive days)(1 claim per Policy Year, up to US$649 per Policy Year (only applicable if the Insured Person is aged below 18 and is Confined for at least 5 consecutive days))
Event Benefits Event
Compassionate death benefit
$10,000 per Policy
$15,000 per policy(US$1,875 per policy)
$15,000 per policy(US$1,875 per policy)
$20,000 per policy(US$2,500 per policy)
$20,000 per policy(US$2,500 per policy)
$30,000 per policy(US$3,750 per policy)
$30,000 per policy(US$3,750 per policy)
$10,000 per policy(US$1,299 per policy)
$10,000 per policy(US$1,299 per policy)
$10,000 per policy(US$1,299 per policy)
$10,000 per policy(US$1,299 per policy)
Medical accident and incident extension benefit
—
$60,000 per policy(US$7,500 per policy)
$60,000 per policy(US$7,500 per policy)
$200,000 per policy(US$25,000 per policy)
$200,000 per policy(US$25,000 per policy)
$550,000 per policy(US$68,750 per policy)
$550,000 per policy(US$68,750 per policy)
—
—
—
—
VHIS cert no.
S00014-01-000-03Benefits PDFPremiums PDF
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
—
No-Claim Bonus
—
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
(c) Attending doctor's visit fee
$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
—
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
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
Accident-related
Emergency outpatient treatment for Accident
—
Inpatient-related
Medical implants / prosthetic devices
—
Organ transplant donor benefit
—
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Health check-up benefit
—
Daily post-surgery home nursing benefit
—
Post-Confinement / Day Case Procedure auxiliary therapy
—
Cancer-related
Reconstructive surgery for specified conditions
—
Cash Benefits Cash
Lower ward class cash benefit
—
Daily hospital cash supplement
—
Event Benefits Event
Compassionate death benefit
$10,000 per Policy
Medical accident and incident extension benefit
—
Plan 1 / 11
AXA安盛守慧醫療保障
AXA WiseGuard Medical Insurance Plan
Entry-level PickVer. Jan 26, 2026
- VHIS cert no.
- S00014-01-000-03
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- —
- 身體檢查保障
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
- 額外現金補貼保障
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000 per Policy
- 醫療意外事故保障
- —
Plan 2 / 11
真智安心醫療保障 - 標準 (港元)HKD + USD
Smart Medicare - Regular (HKD)
Step UpVer. Jan 26, 2026
- VHIS cert no.
- F00017-01-000-04F00017-04-000-04
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $800 per day, maximum 180 days per Policy Year(US$100)
- (b) 雜項開支
- $14,000(US$1,820)
- (c) 主診醫生巡房費
- $750 per day, maximum 180 days per Policy Year(US$98)
- (d) 專科醫生費
- $4,300(US$560)
- (e) 深切治療
- $3,500 per day, maximum 90 days per Policy Year(US$455)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HKD$650 - $5,000USDUS$650
- 外科醫生費 — 中型
- HKD$1,625 - $12,500USDUS$1,625
- 外科醫生費 — 大型
- HKD$3,250 - $25,000USDUS$3,250
- 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 per Policy Year. Subject to 30% Coinsurance.(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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $50,000(US$6,495)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- $5,000 per Policy Year within 24 hours of the Accident(US$650)
- 身體檢查保障
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
- 額外現金補貼保障
- —
Event Benefits 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)
Plan 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)
Step UpVer. Jan 26, 2026
- VHIS cert no.
- F00017-01-001-04F00017-04-001-04
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$116,000／per policy year, 20% coinsurance(US$14,500／per policy year, 20% coinsurance)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $800 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$100)
- (b) 雜項開支
- $14,000(US$1,820)
- (c) 主診醫生巡房費
- $750 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$98)
- (d) 專科醫生費
- $4,300(US$560)
- (e) 深切治療
- $3,500 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$455)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HKD$650 - $5,000USDUS$650
- 外科醫生費 — 中型
- HKD$1,625 - $12,500USDUS$1,625
- 外科醫生費 — 大型
- HKD$3,250 - $25,000USDUS$3,250
- 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 per Policy Year. Subject to 30% Coinsurance.(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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $50,000(US$6,495)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- $5,000 per Policy Year within 24 hours of the Accident(US$650)
- 身體檢查保障
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
- 額外現金補貼保障
- —
Event Benefits 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)
Plan 4 / 11
真智安心醫療保障 - 特級 (港元)HKD + USD
Smart Medicare - Superior (HKD)
Step UpVer. Jan 26, 2026
- VHIS cert no.
- F00017-02-000-04F00017-05-000-04
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,600 per day, maximum 180 days per Policy Year(US$200)
- (b) 雜項開支
- $20,000(US$2,500)
- (c) 主診醫生巡房費
- $1,500 per day, maximum 180 days per Policy Year(US$190)
- (d) 專科醫生費
- $5,000(US$650)
- (e) 深切治療
- $5,000 per day, maximum 90 days per Policy Year(US$650)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HKD$1,000 - $8,000USDUS$1,000
- 外科醫生費 — 中型
- HKD$2,500 - $20,000USDUS$2,500
- 外科醫生費 — 大型
- HKD$5,000 - $40,000USDUS$5,000
- 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 per Policy Year. Subject to 30% Coinsurance.(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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $100,000(US$12,500)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- $10,000 per Policy Year within 24 hours of the Accident(US$1,250)
- 身體檢查保障
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
- 額外現金補貼保障
- —
Event Benefits 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)
Plan 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)
Step UpVer. Jan 26, 2026
- VHIS cert no.
- F00017-02-001-04F00017-05-001-04
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$180,000／per policy year, 20% coinsurance(US$22,500／per policy year, 20% coinsurance)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,600 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$200)
- (b) 雜項開支
- $20,000(US$2,500)
- (c) 主診醫生巡房費
- $1,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$190)
- (d) 專科醫生費
- $5,000(US$650)
- (e) 深切治療
- $5,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$650)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HKD$1,000 - $8,000USDUS$1,000
- 外科醫生費 — 中型
- HKD$2,500 - $20,000USDUS$2,500
- 外科醫生費 — 大型
- HKD$5,000 - $40,000USDUS$5,000
- 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 per Policy Year. Subject to 30% Coinsurance.(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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $100,000(US$12,500)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- $10,000 per Policy Year within 24 hours of the Accident(US$1,250)
- 身體檢查保障
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
- 額外現金補貼保障
- —
Event Benefits 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)
Plan 6 / 11
真智安心醫療保障 - 至尊 (港元)HKD + USD
Smart Medicare - Premier (HKD)
Step UpVer. Jan 26, 2026
- VHIS cert no.
- F00017-03-000-04F00017-06-000-04
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,500 per day, maximum 180 days per Policy Year(US$570)
- (b) 雜項開支
- $35,000(US$4,380)
- (c) 主診醫生巡房費
- $4,500 per day, maximum 180 days per Policy Year(US$570)
- (d) 專科醫生費
- $10,000(US$1,250)
- (e) 深切治療
- $8,000 per day, maximum 90 days per Policy Year(US$1,000)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HKD$2,000 - $16,000USDUS$2,000
- 外科醫生費 — 中型
- HKD$5,000 - $40,000USDUS$5,000
- 外科醫生費 — 大型
- HKD$10,390 - $80,000USDUS$10,390
- 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 per Policy Year. Subject to 30% Coinsurance.(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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $200,000(US$25,000)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- $22,000 per Policy Year within 24 hours of the Accident(US$2,750)
- 身體檢查保障
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
- 額外現金補貼保障
- —
Event Benefits 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)
Plan 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)
Step UpVer. Jan 26, 2026
- VHIS cert no.
- F00017-03-001-04F00017-06-001-04
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$420,000／per policy year, 20% coinsurance(US$52,500／per policy year, 20% coinsurance)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$570)
- (b) 雜項開支
- $35,000(US$4,380)
- (c) 主診醫生巡房費
- $4,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$570)
- (d) 專科醫生費
- $10,000(US$1,250)
- (e) 深切治療
- $8,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$1,000)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HKD$2,000 - $16,000USDUS$2,000
- 外科醫生費 — 中型
- HKD$5,000 - $40,000USDUS$5,000
- 外科醫生費 — 大型
- HKD$10,390 - $80,000USDUS$10,390
- 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 per Policy Year. Subject to 30% Coinsurance.(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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- $200,000(US$25,000)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- $22,000 per Policy Year within 24 hours of the Accident(US$2,750)
- 身體檢查保障
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
- 額外現金補貼保障
- —
Event Benefits 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)
Plan 8 / 11
AXA安盛智尊守慧醫療保障 - 標準HKD + USD
AXA WiseGuard Pro Medical Insurance Plan - Regular
High-endVer. Jan 26, 2026
- VHIS cert no.
- F00034-01-000-05F00034-02-000-05F00034-03-000-05F00034-10-000-05F00034-11-000-05F00034-12-000-05
- Plan Type
- Flexi
- Coverage region
- Greater China
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000(US$645,161)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $20K / $50KUSDUS$0 / US$2,500 / US$6,250
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement of Eligible Expenses regardless of surgical category
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (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)
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- —
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year(US$19,481)
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的額外門診輔助治療
- $3,000 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted)(US$390)
Cash Benefits Cash
- 次級病房級別現金惠益
- —
- 額外現金補貼保障
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000(US$1,299)
- 醫療意外事故保障
- —
Plan 9 / 11
AXA安盛智尊守慧醫療保障 - 卓越HKD + USD
AXA WiseGuard Pro Medical Insurance Plan - Enhance
High-endVer. Jan 26, 2026
- VHIS cert no.
- F00034-04-000-05F00034-05-000-05F00034-06-000-05F00034-13-000-05F00034-14-000-05F00034-15-000-05
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$25,000,000(US$3,225,806)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $20K / $50KUSDUS$0 / US$2,500 / US$6,250
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement of Eligible Expenses regardless of surgical category
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (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)
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- —
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year(US$19,481)
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的額外門診輔助治療
- $6,000 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted)(US$780)
Cash Benefits Cash
- 次級病房級別現金惠益
- $1,000 per day (Confined in a ward class below the Semi-Private Room in private Hospitals in Hong Kong and Macau, maximum 10 days per Confinement)(US$130)
- 額外現金補貼保障
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000(US$1,299)
- 醫療意外事故保障
- —
Plan 10 / 11
AXA安盛智尊守慧醫療保障 - 優尚HKD + USD
AXA WiseGuard Pro Medical Insurance Plan - Premier
High-endVer. Jan 26, 2026
- VHIS cert no.
- F00034-07-000-05F00034-08-000-05F00034-09-000-05F00034-16-000-05F00034-17-000-05F00034-18-000-05
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$30,000,000(US$3,870,968)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $20K / $50KUSDUS$0 / US$2,500 / US$6,250
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement of Eligible Expenses regardless of surgical category
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (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)
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- —
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year(US$19,481)
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的額外門診輔助治療
- $10,000 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted)(US$1,299)
Cash Benefits Cash
- 次級病房級別現金惠益
- $2,000 per day (Confined in a ward class below the Standard Private Room in private Hospitals in Hong Kong and Macau, maximum 10 days per Confinement)(US$260)
- 額外現金補貼保障
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000(US$1,299)
- 醫療意外事故保障
- —
Plan 11 / 11
AXA安盛智尊守慧醫療保障 - 尊貴HKD + USD
AXA WiseGuard Pro Medical Insurance Plan - Noble
High-endVer. Jan 26, 2026
- VHIS cert no.
- F00034-19-000-03F00034-20-000-03F00034-21-000-03F00034-22-000-03F00034-23-000-03F00034-24-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$40,000,000(US$5,161,290)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $20K / $50KUSDUS$0 / US$2,500 / US$6,250
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement of Eligible Expenses regardless of surgical category
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 外科醫生費 — 複雜
- —
- (g) 麻醉科醫生費
- Full reimbursement
- (h) 手術室費
- Full reimbursement
- (i) 訂明診斷成像檢測
- Full reimbursement
- (j) 訂明非手術癌症治療
- Full reimbursement
- (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)
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year (within 180 days after discharge from Hospital and maximum 90 days per Policy Year)(US$10,390)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year(US$19,481)
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- 1 medical check-up service per Policy Year, up to $2,000 (from the second Policy Year onwards)(US$260)
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day during Confinement, maximum 30 days per Policy Year)
- 家中看護
- Full reimbursement of Eligible Expenses (within the post-discharge window; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的額外門診輔助治療
- $15,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) is exhausted)(US$1,948)
Cash Benefits Cash
- 次級病房級別現金惠益
- $2,000 per day (Confined in a ward class below the Standard Private Room in private Hospitals in Hong Kong and Macau, maximum 10 days per Confinement)(US$260)
- 額外現金補貼保障
- 1 claim per Policy Year, up to $5,000 per Policy Year (only applicable if the Insured Person is aged below 18 and is Confined for at least 5 consecutive days)(US$649)
Event Benefits Event
- 恩恤身故賠償
- $10,000(US$1,299)
- 醫療意外事故保障
- —