AXA WiseGuard Pro Medical Insurance Plan - Regular (USD0 Deductible)

AXA安盛智尊守慧醫療保障 - 標準（0 美元自付費）

AXA China Region Insurance Company (Hong Kong) Limited

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Your premium

US$1,170 /yr

age

Ward class

Ward

Coverage region

Greater China

Deductible

Annual benefit limit

US$645,161

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	$3,898 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	$390 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted)
Medical implants / prosthetic devices 醫療裝置	Specified items: Full reimbursement of Eligible Expenses; other items: $19,481 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 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)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
Event Benefits
Compassionate death benefit 恩恤身故賠償	$1,299 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
$3,898 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
$390 per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, payable only when benefit item (k) limit is exhausted)
Medical implants / prosthetic devices
醫療裝置
Specified items: Full reimbursement of Eligible Expenses; other items: $19,481 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 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)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

Event Benefits

Compassionate death benefit
恩恤身故賠償
$1,299 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) · USD

Age	Premium
0	US$1,011
1	US$1,011
2	US$1,011
3	US$1,011
4	US$1,011
5	US$992
6	US$980
7	US$965
8	US$950
9	US$941
10	US$919
11	US$906
12	US$894
13	US$882
14	US$866
15	US$850
16	US$839
17	US$831
18	US$836
19	US$845
20	US$860
21	US$883
22	US$904
23	US$927
24	US$954
25	US$985
26	US$1,020
27	US$1,057
28	US$1,093
29	US$1,128
30	US$1,170
31	US$1,206
32	US$1,235
33	US$1,268
34	US$1,305
35	US$1,334
36	US$1,363
37	US$1,406
38	US$1,452
39	US$1,498
40	US$1,558
41	US$1,609
42	US$1,662
43	US$1,718
44	US$1,775
45	US$1,835
46	US$1,911
47	US$1,980
48	US$2,073
49	US$2,162
50	US$2,244
51	US$2,332
52	US$2,427
53	US$2,529
54	US$2,654
55	US$2,791
56	US$2,969
57	US$3,163
58	US$3,385
59	US$3,627
60	US$3,857
61	US$4,125
62	US$4,400
63	US$4,685
64	US$4,984
65	US$5,296
66	US$5,616
67	US$5,937
68	US$6,258
69	US$6,579
70	US$6,897
71	US$7,180
72	US$7,464
73	US$7,750
74	US$8,078
75	US$8,417
76	US$8,767
77	US$9,131
78	US$9,506
79	US$9,892
80	US$10,292
81	US$10,708
82	US$11,132
83	US$11,569
84	US$12,010
85	US$12,368
86	US$12,729
87	US$13,106
88	US$13,499
89	US$13,920
90	US$14,454
91	US$14,943
92	US$15,381
93	US$15,818
94	US$16,081
95	US$16,333
96	US$16,609
97	US$16,850
98	US$17,134
99	US$17,429

Other deductible options in this series

24 deductibles — same benefit schedule, premium scales with deductible

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jan 26, 2026
Last verified: 2026-04-17

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.