AXA WiseGuard Pro: premiums rise about 9.5% across 24 variants (September 2026)
The premium schedules effective 9 September 2026 cover 24 certified variants within the WiseGuard Pro family. Compare annual standard premiums at the same age, option and original currency, with official documents and the scope of our checks.
What did we compare?
The new schedules take effect on 9 September 2026; the previous period ran from 26 January to 8 September 2026. These are 24 certified variants of one product family, covering different benefit tiers, deductibles and currencies—not 24 separate product families.
On 14 September 2026 we checked 4,800 age-specific premium amounts across the two periods. Same-age increases range from approximately 9.487% to 9.541%, summarised as about 9.5%. The 24 pairs of benefit-document files were byte-identical. This check covers those linked benefit documents, not every personal endorsement, promotion or renewal notice.
Separate repricing from ageing
Holding the WiseGuard Pro Regular tier, HKD currency and zero deductible fixed, compare the old schedule at the original age, the new schedule at that age and the new schedule one year older. This decomposes two published schedules; it is not a personal renewal notice or a forecast.
| Age step | Old: original age | New: same age | New: next age | Repricing | Age component |
|---|---|---|---|---|---|
| 30 → 31 | 9,357 | 10,246 | 10,569 | 889 | 323 |
| 40 → 41 | 12,463 | 13,647 | 14,092 | 1,184 | 445 |
| 50 → 51 | 17,955 | 19,661 | 20,433 | 1,706 | 772 |
| 60 → 61 | 30,854 | 33,786 | 36,134 | 2,932 | 2,348 |
Method: repricing = new same-age premium minus old original-age premium; age component = new next-age premium minus new same-age premium. Their sum is the total difference in this example. The age step uses the new schedule; this chosen decomposition is not an insurer’s personal loading explanation.
Old official schedule · New official schedule · Download three-option data CSV
Download original chart · Sources and calculation record · Compare deductibles and premiums
You may share our original chart with the full title, scope, date and VHISGuide credit, linking to this article. Official document rights remain with their owners.
Annual premiums at age 30, by variant
All figures are standard annual premiums at attained age 30, in original currency without conversion. They exclude levy, personal loadings and discounts, and are not personal quotes.
| Certification / option | Currency | Previous | New | Change |
|---|---|---|---|---|
| F00034-01-000-05Regular (HKD0 Deductible) | HKD | 9,357.00 | 10,246.00 | +9.50% |
| F00034-02-000-05Regular (HKD20,000 Deductible) | HKD | 5,060.00 | 5,541.00 | +9.51% |
| F00034-03-000-05Regular (HKD50,000 Deductible) | HKD | 3,263.00 | 3,573.00 | +9.50% |
| F00034-04-000-05Enhance (HKD0 Deductible) | HKD | 13,783.00 | 15,093.00 | +9.50% |
| F00034-05-000-05Enhance (HKD20,000 Deductible) | HKD | 5,873.00 | 6,431.00 | +9.50% |
| F00034-06-000-05Enhance (HKD50,000 Deductible) | HKD | 4,428.00 | 4,849.00 | +9.51% |
| F00034-07-000-05Premier (HKD0 Deductible) | HKD | 16,510.00 | 18,079.00 | +9.50% |
| F00034-08-000-05Premier (HKD20,000 Deductible) | HKD | 10,435.00 | 11,427.00 | +9.51% |
| F00034-09-000-05Premier (HKD50,000 Deductible) | HKD | 7,672.00 | 8,401.00 | +9.50% |
| F00034-10-000-05Regular (USD0 Deductible) | USD | 1,169.60 | 1,280.80 | +9.51% |
| F00034-11-000-05Regular (USD2,500 Deductible) | USD | 632.50 | 692.60 | +9.50% |
| F00034-12-000-05Regular (USD6,250 Deductible) | USD | 407.90 | 446.60 | +9.49% |
| F00034-13-000-05Enhance (USD0 Deductible) | USD | 1,722.90 | 1,886.60 | +9.50% |
| F00034-14-000-05Enhance (USD2,500 Deductible) | USD | 734.10 | 803.90 | +9.51% |
| F00034-15-000-05Enhance (USD6,250 Deductible) | USD | 553.50 | 606.10 | +9.50% |
| F00034-16-000-05Premier (USD0 Deductible) | USD | 2,063.80 | 2,259.90 | +9.50% |
| F00034-17-000-05Premier (USD2,500 Deductible) | USD | 1,304.40 | 1,428.40 | +9.51% |
| F00034-18-000-05Premier (USD6,250 Deductible) | USD | 959.00 | 1,050.10 | +9.50% |
| F00034-19-000-03Noble (HKD0 Deductible) | HKD | 20,769.00 | 22,743.00 | +9.50% |
| F00034-20-000-03Noble (HKD20,000 Deductible) | HKD | 13,603.00 | 14,896.00 | +9.51% |
| F00034-21-000-03Noble (HKD50,000 Deductible) | HKD | 10,730.00 | 11,750.00 | +9.51% |
| F00034-22-000-03Noble (USD0 Deductible) | USD | 2,596.10 | 2,842.90 | +9.51% |
| F00034-23-000-03Noble (USD2,500 Deductible) | USD | 1,700.40 | 1,862.00 | +9.50% |
| F00034-24-000-03Noble (USD6,250 Deductible) | USD | 1,341.30 | 1,468.80 | +9.51% |
Is this my renewal increase?
Not necessarily. For the Regular HKD zero-deductible variant, the age-30 annual premium rises from HK$9,357 to HK$10,246: HK$889, or about 9.50%. This isolates same-age repricing. Your next renewal may also reflect ageing, personal loadings and discounts; check your renewal notice.
Official sources and next steps
- Current certified-plan registry · Historical registry and documents
- View affected plans and benefit documents
- Compare current cover and premiums · Understand deductible trade-offs
Analysis: VHISGuide, operated by an FWD insurance agent. Article prepared 2026-09-15; data checked 2026-09-14. Current official document URLs may be overwritten by later updates; check the effective date when reading.