AXA WiseGuard Medical Insurance Plan

AXA安盛守慧醫療保障

AXA China Region Insurance Company (Bermuda) Limited

AXA WiseGuard Medical Insurance Plan is a VHIS Standard plan offered by AXA China Region Insurance Company (Bermuda) Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Jan 26, 2026.

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

Your premium

HK$1,996 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(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	$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 (l) 精神科治療	$30,000 per Policy Year
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
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(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
$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
(l) 精神科治療
$30,000 per Policy Year

Event Benefits

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

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$2,832	HK$2,546
1	HK$2,832	HK$2,546
2	HK$2,832	HK$2,546
3	HK$2,832	HK$2,546
4	HK$2,832	HK$2,546
5	HK$1,591	HK$1,640
6	HK$1,591	HK$1,640
7	HK$1,591	HK$1,640
8	HK$1,591	HK$1,640
9	HK$1,591	HK$1,640
10	HK$1,379	HK$1,640
11	HK$1,400	HK$1,640
12	HK$1,420	HK$1,640
13	HK$1,441	HK$1,640
14	HK$1,462	HK$1,640
15	HK$1,482	HK$1,640
16	HK$1,503	HK$1,709
17	HK$1,524	HK$1,736
18	HK$1,544	HK$1,762
19	HK$1,565	HK$1,789
20	HK$1,585	HK$1,815
21	HK$1,606	HK$1,842
22	HK$1,627	HK$1,868
23	HK$1,647	HK$1,895
24	HK$1,668	HK$1,921
25	HK$1,689	HK$1,948
26	HK$1,757	HK$1,974
27	HK$1,816	HK$2,001
28	HK$1,888	HK$2,027
29	HK$1,944	HK$2,054
30	HK$1,996	HK$2,080
31	HK$2,044	HK$2,131
32	HK$2,097	HK$2,192
33	HK$2,140	HK$2,308
34	HK$2,199	HK$2,337
35	HK$2,270	HK$2,371
36	HK$2,352	HK$2,411
37	HK$2,438	HK$2,452
38	HK$2,576	HK$2,595
39	HK$2,689	HK$2,746
40	HK$2,852	HK$2,901
41	HK$2,984	HK$3,061
42	HK$3,113	HK$3,226
43	HK$3,271	HK$3,361
44	HK$3,427	HK$3,515
45	HK$3,586	HK$3,681
46	HK$3,681	HK$3,861
47	HK$3,789	HK$4,037
48	HK$3,931	HK$4,285
49	HK$4,032	HK$4,513
50	HK$4,279	HK$4,741
51	HK$4,539	HK$4,969
52	HK$4,795	HK$5,197
53	HK$5,034	HK$5,425
54	HK$5,287	HK$5,653
55	HK$5,558	HK$5,881
56	HK$5,849	HK$6,108
57	HK$6,168	HK$6,336
58	HK$6,612	HK$6,564
59	HK$7,069	HK$6,792
60	HK$7,511	HK$7,020
61	HK$7,937	HK$7,248
62	HK$8,348	HK$7,476
63	HK$8,687	HK$7,805
64	HK$9,026	HK$8,240
65	HK$9,381	HK$8,728
66	HK$9,751	HK$9,270
67	HK$10,137	HK$9,777
68	HK$10,553	HK$10,301
69	HK$11,199	HK$10,812
70	HK$11,874	HK$11,349
71	HK$12,594	HK$11,925
72	HK$13,349	HK$12,583
73	HK$13,980	HK$13,090
74	HK$14,308	HK$13,490
75	HK$14,578	HK$13,809
76	HK$14,777	HK$14,030
77	HK$14,911	HK$14,163
78	HK$15,010	HK$14,257
79	HK$15,124	HK$14,351
80	HK$15,145	HK$14,443
81	HK$15,165	HK$14,535
82	HK$15,186	HK$14,626
83	HK$15,248	HK$14,713
84	HK$15,307	HK$14,808
85	HK$15,367	HK$14,914
86	HK$15,430	HK$15,030
87	HK$15,490	HK$15,158
88	HK$15,553	HK$15,301
89	HK$15,631	HK$15,458
90	HK$15,709	HK$15,535
91	HK$15,789	HK$15,613
92	HK$15,866	HK$15,690
93	HK$15,944	HK$15,767
94	HK$16,025	HK$15,847
95	HK$16,104	HK$15,926
96	HK$16,182	HK$16,003
97	HK$16,264	HK$16,084
98	HK$16,345	HK$16,164
99	HK$16,427	HK$16,244

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: Jan 26, 2026
Last verified: 2026-04-17