AXA WiseGuard Pro Medical Insurance Plan - Noble (HKD0 Deductible)

AXA安盛智尊守慧醫療保障 - 尊貴（0 港元自付費）

AXA China Region Insurance Company (Bermuda) Limited

AXA WiseGuard Pro Medical Insurance Plan - Noble (HKD0 Deductible) is a VHIS Flexi plan offered by AXA China Region Insurance Company (Bermuda) Limited, with ward class Standard Private Room, Worldwide (excluding United States) coverage, HK$40,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Sep 9, 2026.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$22,743 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

Annual benefit limit

HK$40,000,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

—

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&C
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (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.R&C
(l) Psychiatric treatments (l) 精神科治療	$50,000 per Policy Year
Extra Benefits
Post-Confinement / Day Case Procedure auxiliary therapy 出院後 / 日間手術後的門診輔助保障	$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)
Medical implants / prosthetic devices 醫療裝置	Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy YearR&C
Hospital companion bed fee reimbursement 住院陪床	Full reimbursement of Eligible ExpensesR&C
Outpatient kidney dialysis 門診洗腎	Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit 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)R&C
Emergency outpatient treatment for Accident 意外受傷急症門診治療	Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Reconstructive surgery for specified conditions 指定重建手術保障	Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement) 私人看護	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)R&C
Organ transplant donor benefit 器官移植的捐贈者保障	30% of the total organ transplant cost
Cancer / cardiac / stroke rehabilitation benefit 復康保障	$80,000 per Policy Year (within 180 days after discharge from Hospital and maximum 90 days per Policy Year)
Health check-up benefit 身體檢查保障	1 medical check-up service per Policy Year, up to $2,000 (from the second Policy Year onwards)
Cash Benefits
Lower ward class cash benefit 香港及澳門較低級別病房現金保障	$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)
Daily hospital cash supplement 關懷保障	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)
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible Expenses (subject to the benefit limit of upgraded benefit (II) Medical Devices)R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&C
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(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.R&C
(l) Psychiatric treatments
(l) 精神科治療
$50,000 per Policy Year

Extra Benefits

Post-Confinement / Day Case Procedure auxiliary therapy
出院後 / 日間手術後的門診輔助保障
$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)
Medical implants / prosthetic devices
醫療裝置
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy YearR&C
Hospital companion bed fee reimbursement
住院陪床
Full reimbursement of Eligible ExpensesR&C
Outpatient kidney dialysis
門診洗腎
Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit
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)R&C
Emergency outpatient treatment for Accident
意外受傷急症門診治療
Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Reconstructive surgery for specified conditions
指定重建手術保障
Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement)
私人看護
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)R&C
Organ transplant donor benefit
器官移植的捐贈者保障
30% of the total organ transplant cost
Cancer / cardiac / stroke rehabilitation benefit
復康保障
$80,000 per Policy Year (within 180 days after discharge from Hospital and maximum 90 days per Policy Year)
Health check-up benefit
身體檢查保障
1 medical check-up service per Policy Year, up to $2,000 (from the second Policy Year onwards)

Cash Benefits

Lower ward class cash benefit
香港及澳門較低級別病房現金保障
$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)
Daily hospital cash supplement
關懷保障
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)

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000 per policy

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
3 yrs	5%
4 yrs	10%
5 yrs	15%

Verbatim clause

無索償折扣附加條款本附加條款附著並成為 AXA 安盛智尊守慧醫療保障(「智尊守慧」)的條款及保障一部份。儘管與保單內的條款有不同之處： (1) 在續保日，無索償折扣將會從智尊守慧由續保日起的保單年度的每年保費中扣除，惟前提是在緊接著該續保日前的指明期間(於下文第(3)節表格內定義的「無索償期」)內： (a) 智尊守慧持續生效；及 (b) 除了額外保障條文附加條款第(3)(IV)節之身體檢查保障外(只適用於尊貴保障級別)，本公司從沒有按智尊守慧支付賠償。為免存疑，如已作出索償但由於自付費的原因而沒有支付賠償，該有關保單年度將不會被計算在無索償期內。 (2) 無索償折扣相等於適用的無索償折扣百分比(「無索償折扣百分比」列於下文第(3)節表格內)乘以智尊守慧在緊接著該續保日前的保單年度的每年保費（該每年保費為扣除無索償折扣前及包括附加保費 (如有)後的保費）。該無索償折扣將會根據保費繳付方式及適用的保費繳付方式倍數(如有)計算。 (3) 根據以下表格，適用的無索償折扣百分比將取決於無索償期的時間長短：於該續保日前的無索償期無索償折扣百分比連續三 (3)個保單年度 5% 連續四 (4)個保單年度 10% 連續五 (5)個及以上的保單年度 15% (4) 若在扣除無索償折扣後，本公司已就前五(5)個保單年度作出的索償按智尊守慧支付賠償，則無索償折扣應納入相關已付索償而重新計算，及在本公司的合理要求下，保單持有人須立即向本公司交回重新計算的金額與實際支付予保單持有人的無索償折扣之間的差額。 (5) 就計算無索償期間而言，本公司將以招致任何合資格費用的日期來評定該保單年度內是否已經支付任何賠償。 (6) 本公司只會就第(3)節列明的其中一個無索償期選項提供無索償折扣，而不會同時提供多於一個選項的無索償折扣。 1

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00034/F00034-01-000-05-PlanDoc-c.pdf

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$17,459
1	HK$17,459
2	HK$17,459
3	HK$17,269
4	HK$16,929
5	HK$16,731
6	HK$16,585
7	HK$16,128
8	HK$15,774
9	HK$15,421
10	HK$15,087
11	HK$14,752
12	HK$14,821
13	HK$14,956
14	HK$15,197
15	HK$15,551
16	HK$15,946
17	HK$16,330
18	HK$16,938
19	HK$17,408
20	HK$17,906
21	HK$18,442
22	HK$18,937
23	HK$19,424
24	HK$19,893
25	HK$20,407
26	HK$20,901
27	HK$21,384
28	HK$21,832
29	HK$22,289
30	HK$22,743
31	HK$23,236
32	HK$23,759
33	HK$24,228
34	HK$24,717
35	HK$24,989
36	HK$25,563
37	HK$26,083
38	HK$26,770
39	HK$27,209
40	HK$28,054
41	HK$28,972
42	HK$29,952
43	HK$30,923
44	HK$32,104
45	HK$33,330
46	HK$34,587
47	HK$36,328
48	HK$37,859
49	HK$38,969
50	HK$41,027
51	HK$42,834
52	HK$44,594
53	HK$46,877
54	HK$49,145
55	HK$51,598
56	HK$54,306
57	HK$57,467
58	HK$60,513
59	HK$64,192
60	HK$68,172
61	HK$72,210
62	HK$76,503
63	HK$81,231
64	HK$86,261
65	HK$91,637
66	HK$97,232
67	HK$103,189
68	HK$109,533
69	HK$115,910
70	HK$122,119
71	HK$128,318
72	HK$134,499
73	HK$140,917
74	HK$146,539
75	HK$152,358
76	HK$158,429
77	HK$164,788
78	HK$171,430
79	HK$178,376
80	HK$184,864
81	HK$190,891
82	HK$196,657
83	HK$202,365
84	HK$205,680
85	HK$209,554
86	HK$213,930
87	HK$218,287
88	HK$222,486
89	HK$226,832
90	HK$231,333
91	HK$235,916
92	HK$240,627
93	HK$245,734
94	HK$251,053
95	HK$256,383
96	HK$261,932
97	HK$267,349
98	HK$272,942
99	HK$278,824

Other deductible options in this series

24 deductibles — same benefit schedule, premium scales with deductible

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Sep 9, 2026
Last verified: 2026-09-14