VHIS Plan
AXA WiseGuard Pro Medical Insurance Plan
AXA安盛智尊守慧醫療保障
AXA China Region Insurance Company (Bermuda) Limited·24 plan options
AXA WiseGuard Pro Medical Insurance Plan is a VHIS Flexi plan offered by AXA China Region Insurance Company (Bermuda) Limited, with ward class Ward, Greater China coverage and HK$5,000,000 annual benefit limit. Latest plan-document version: Sep 9, 2026.
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$10,246 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$15,093 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$18,079 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$1,280.8/yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$1,886.6/yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,259.9/yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$22,743 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,842.9/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$692.6/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$803.9/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$1,428.4/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$1,862/yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,541 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,431 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$11,427 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$14,896 /yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$446.6/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$606.1/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$1,050.1/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$1,468.8/yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,573 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,849 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,401 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$11,750 /yr
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Why so many deductible options?
The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.
Deductibles FAQ →- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Sep 9, 2026
- Last verified
- 2026-09-14