Grab the fabulous rewards and enjoy all-round protections
With winter fast approaching, now is the time to plan the heartwarming and comprehensive protection for your family, loved ones and yourself. As your life-long partner, AXA supports you at different stages of life with a wide selection of protection products, including health and critical illness insurance, tax savings, savings as well as employee benefits solutions, helping you create a brighter future.
We are pleased to present you the AXA “Winter Delights” Programme. From 28 September 2024 to 31 October 2024, both dates inclusive (the “Promotion Period”), if you successfully apply for any new designated basic plans / supplements/ qualifying deferred annuity policy / employee benefits insurance package plans1 with the required annualised first year premium (“AFYP”) / total AFYP / single premium stated below and satisfy other applicable requirements, you may enjoy various wonderful rewards2. Seize the chance today to enjoy the rewards and get protected!
Tax Deductible* and Medical Protection Products
Critical Illness Products
Special Reward
Savings Products
Employee Benefits Insurance Products
Terms and conditions of this promotion apply. For details, please refer to the relevant promotion leaflet.
Remarks
Reward 1A – AXA WiseGuard Pro Medical Insurance Plan + MediEnhancer Supplement + TotalAssure Series Premium Refund + Special Reward - Out-patient Service
During the Promotion Period, if customer successfully submits an application for all of the following basic plan / supplement at the same time:
(i) a basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated AXA WiseGuard Pro Policy”) ;
(ii) MediEnhancer Supplement associated with Designated AXA WiseGuard Pro Policy ; and
(iii) TotalAssure Critical Illness Plan / TotalAssure Critical Illness Plan – Baby Pro / TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – Baby Pro (“TotalAssure Series”),
customer may be entitled to 12 months’ premium refund on the Designated AXA WiseGuard Pro Policy.
What is more? Customer may also entitle to a one-year out-patient service which includes general practitioner consultation and specialist consultation. The total maximum number of visits of general practitioner consultation and specialist consultation per year is 10, of which there is a maximum of 5 visits for specialist consultation.
Table 1A
AXA WiseGuard Pro Medical Insurance Plan + MediEnhancer Supplement + TotalAssure Series Premium Refund + Special Reward - Out-patient Service | |
Designated Basic Plan/Supplement | |
Designated Basic Plan/Supplement | AXA WiseGuard Pro Medical Insurance Plan + MediEnhancer Supplement + TotalAssure Series |
Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | |
Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1A# | 12 months3,4 |
Special Reward | |
Special Reward | Out-patient Service (please refer to "Special Reward – Out-patient Service" section for details) |
3. For details of Reward 1A, please refer to the section of Reward 1A of the Terms and Conditions stated in the promotion leaflet.
4. Customer is only entitled to a maximum of 12 months’ premium refund on each AXA WiseGuard Pro Medical Insurance Plan under Reward 1A, 1B and 1C.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
* For more information, please refer to www.ird.gov.hk or seek independent tax advice.
Reward 1B - AXA WiseGuard Pro Medical Insurance Plan + MediEnhancer Supplement Premium Refund + Special Reward - Out-patient Service
During the Promotion Period, if customer successfully submits an application for all of the following basic plan / supplement at the same time:
(i) a Designated AXA WiseGuard Pro Policy; and
(ii) MediEnhancer Supplement associated with Designated AXA WiseGuard Pro Policy,
customer may be entitled to 7 months’ premium refund on the Designated AXA WiseGuard Pro Policy.
What is more? Customer may also entitle to a one-year out-patient service which includes general practitioner consultation and specialist consultation. The total maximum number of visits of general practitioner consultation and specialist consultation per year is 10, of which there is a maximum of 5 visits for specialist consultation.
Table 1B
AXA WiseGuard Pro Medical Insurance Plan + MediEnhancer Supplement Premium Refund + Special Reward - Out-patient Service | |
Designated Basic Plan/Supplement | |
Designated Basic Plan/Supplement | AXA WiseGuard Pro Medical Insurance Plan + MediEnhancer Supplement |
Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1B# | |
Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1B# | 7 months5 |
Special Reward | |
Special Reward | Out-patient Service (please refer to "Special Reward – Out-patient Service" section for details) |
5. For details of Reward 1B, please refer to the section of Reward 1B of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 1C – AXA WiseGuard Pro Medical Insurance Plan Premium Refund + Special Reward - Out-patient Service
Table 1C
AXA WiseGuard Pro Medical Insurance Plan Premium Refund + Special Reward - Out-patient Service | ||
Designated Basic Plan/ Supplement | ||
Designated Basic Plan/ Supplement | AXA WiseGuard Pro Medical Insurance Plan | |
Premium Refund on Each Eligible Basic Plan/ Eligible Supplement of Reward 1C# | ||
Premium Refund on Each Eligible Basic Plan/ Eligible Supplement of Reward 1C# | 4 months6 | |
Special Reward | ||
Special Reward | Out-patient Service (please refer to "Special Reward – Out-patient Service" section for details) | |
6. For details of Reward 1C, please refer the section of Reward 1C of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 1D – IncomeBliss Deferred Annuity Plan Premium Discount
During the Promotion Period, if customer successfully submits an application for a basic plan of IncomeBliss Deferred Annuity Plan, customer may be entitled to 5% premium discount on the annual premium of such basic plan during the premium payment term+,^.
Table 1D
IncomeBliss Deferred Annuity Plan Premium Discount | ||
Designated Basic Plan | ||
Designated Basic Plan | IncomeBliss Deferred Annuity Plan | |
Premium Payment Term | ||
Premium Payment Term | 5 years | 10 years |
Premium Payment Mode | ||
Premium Payment Mode | Annual | |
Annual Premium of Designated Basic Plan (USD / HKD) | ||
Annual Premium of Designated Basic Plan (USD / HKD) | USD6,000 / HKD48,000 or above | |
Premium Discount Percentage on Eligible Basic Plan of Reward 1D# (% of the AFYP of Eligible Basic Plan of Reward 1D) | ||
Premium Discount Percentage on Eligible Basic Plan of Reward 1D# (% of the AFYP of Eligible Basic Plan of Reward 1D) | 5%7 | |
+ Customer who has paid in full the amount of annual premium of the basic plan with levy payable by the customer less the Reward 1D (as defined below) for each policy year during the premium payment term. If customer’s policy is an Eligible Basic Plan of Reward 1D, when customer has paid the amount stated above for a policy year during the premium payment term, AXA will pay an amount calculated by multiplying the annual premium of the Eligible Basic Plan of Reward 1D by premium discount percentage stated in Table 1D above (the “Reward 1D”) to customer’s Eligible Basic Plan of Reward 1D on customers behalf.
^ Only qualified annuity premiums paid under IncomeBliss Deferred Annuity Plan can be tax deductible. For the purpose of tax deduction, the premium discount offered by AXA will not be considered as qualified annuity premiums paid.
For more information, please refer to www.ird.gov.hk or seek independent tax advice.
7. For details of Reward 1D, please refer to the section of Reward 1D of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 2A – Designated Critical Illness Products Premium Refund + Special Reward - Out-patient Service
Table 2A
Designated Critical Illness Products Premium Refund + Special Reward - Out-patient Service | ||||
Designated Basic Plans | ||||
Designated Basic Plans | - TotalAssure Critical Illness Plan - TotalAssure Critical Illness Plan – Baby Pro - TotalAssure Plus Critical Illness Plan - TotalAssure Plus Critical Illness Plan – Baby Pro | |||
Premium Payment Term | ||||
Premium Payment Term | 10 years | 15 years | 20 years | 25 years |
Premium Refund on Each Eligible Basic Plan of Reward 2A# | ||||
Premium Refund on Each Eligible Basic Plan of Reward 2A# | 2 months8 | 2 months8 | 3 months8 | 3 months8 |
Special Reward | ||||
Special Reward | Out-patient Service (please refer to "Special Reward – Out-patient Service" for details) | |||
8. For details of Reward 2A, please refer to the section of Reward 2A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 2B – Designated Critical Illness Products Early Bird Premium Refund
During the Promotion Period, if customer successfully submits an application for a designated critical illness product with following AFYP, customer may be entitled up to HKD1,500 premium refund9 on future premium.
Table 2B
Designated Critical Illness Products Early Bird Premium Refund | |||
Designated Basic Plans | |||
Designated Basic Plans | - TotalAssure Critical Illness Plan - TotalAssure Critical Illness Plan – Baby Pro - TotalAssure Plus Critical Illness Plan - TotalAssure Plus Critical Illness Plan – Baby Pro | ||
Total AFYP of Designated Basic Plan | |||
Total AFYP of Designated Basic Plan | HKD 25,000 – HKD 34,999 | HKD 35,000 or above | |
Premium Refund on Each Eligible Basic Plan of Reward 2B# | |||
Premium Refund on Each Eligible Basic Plan of Reward 2B# | Premium Refund on Each Eligible Basic Plan of Reward 2B# | HKD 1,0009 | HKD 1,5009 |
9. For details of Reward 2B, please refer to the section of Reward 2B of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Special Reward – Out-patient Service
During the Promotion Period, the Eligible Insured of the designated basic plan(s) / designated supplement(s) (if applicable) of Reward 1A / 1B / 1C or 2A may be entitled to a one-year out-patient service which includes general practitioner consultation and specialist consultation after the designated basic plans / supplements of Reward 1A / 1B / 1C or 2A is effective and has passed the cooling-off period (the “Special Reward”). The total maximum number of visits of general practitioner consultation and specialist consultation per year is 10, of which there is a maximum of 5 visits for specialist.
Special Reward – Out-patient Service | ||
Out-patient Service10 | ||
Out-patient Service10 | Service Details | |
General Practitioner (Applicable to Hong Kong, Macau and Mainland China) | ||
General Practitioner (Applicable to Hong Kong, Macau and Mainland China) | General Practitioner (Applicable to Hong Kong, Macau and Mainland China) | |
Basic medication | ||
Basic medication |
| |
Maximum visit per day | ||
Maximum visit per day | 1 visit | |
Maximum visit per yeari | ||
Maximum visit per yeari | 10 visits | |
Charge to be borne by Customer per visitii | ||
Charge to be borne by Customer per visitii | HKD / MOP / RMB50 | |
Specialist Consultation (Applicable to Hong Kong and Macau)iii | ||
Specialist Consultation (Applicable to Hong Kong and Macau)iii | Specialist Consultation (Applicable to Hong Kong and Macau)iii | |
Basic medication | ||
Basic medication | Includes up to 5 days | |
Maximum visit per day | ||
Maximum visit per day | 1 visit | |
Maximum visit per yeari | ||
Maximum visit per yeari | 5 visits | |
Charge to be borne by Customer per visitii | ||
Charge to be borne by Customer per visitii | HKD / MOP120 | |
i. The total maximum number of visits of general practitioner consultation and specialist consultation per year is 10.
ii. A charge of HKD / MOP/ RMB50 and HKD / MOP120 in local currency will be borne by customers for every general practitioner consultation (Hong Kong/Macau/Mainland China) and every specialist consultation (Hong Kong/Macau), respectively. If customers use the services which are out of the scope, payment will be borne by customers. The charge to be borne by customer is collected by relevant supplier in the local currency as indicated. AXA is not the supplier of the Special Reward and shall have no obligation or liability whatsoever in relation thereto, including but not limited to their quality or fitness, supply or service. Any disputes arising from the Special Reward shall be resolved between customer and the supplier directly.
iii. Referral for specialist consultation is not required for Obstetrics Gynecology and Pediatrics.
10. For details of Special Reward - Out-patient Service, please refer to the section of Special Reward - Out-patient Service of the Terms and Conditions stated in the promotion leaflet.
Reward 3A – Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan – Premium Refund
During the Promotion Period, if customer successfully submits application for a basic plan of Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan, customer may be entitled to premium refund on future premium(s).
Table 3A
Wealth Advance Savings Series II – Ultimate / Wealth Ultra Savings Plan Premium Refund | |||||
Designated Basic Plans | |||||
Designated Basic Plans | Designated Basic Plans | Wealth Advance Savings Series II – Ultimate | Wealth Ultra Savings Plan | ||
Premium Payment Term | |||||
Premium Payment Term | Premium Payment Term | 5 years | 10 years | 8 years | |
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | |||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | Total AFYP of Designated Basic Plan and its Supplements (if applicable) (USD) | USD5,000 or above | |||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | |||||
Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | Premium Refund Percentage on Each Eligible Policy of Reward 3A# (% of the total AFYP of Eligible Policy of Reward 3A) | 5%11 | 10%11 | 7%11 | |
11. For details of Reward 3A, please refer to the section of reward 3A of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 3B – FortuneXtra Savings Plan Premium Refund
During the Promotion Period, if customer successfully submits applications for a basic plan of FortuneXtra Savings Plan and its supplements (if applicable) ("Designated FortuneXtra Savings Policy”), customer may be entitled to up to 25% basic premium refund on future premium(s) of such policy.
What is more? During the Promotion Period, if customer successfully submits an application for any of the following Designated Medical and Critical Illness Plan or Designated Insurance Plan and all the relevant policies are held by the same policy owner:
(i) GlobalReach Medical Insurance Plan / TotalAssure Critical Illness Plan / TotalAssure Critical Illness Plan – Baby Pro / TotalAssure Plus Critical Illness Plan / TotalAssure Plus Critical Illness Plan – Baby Pro (“Designated Medical and Critical Illness Plan”), (to celebrate a new product launch!) customer may be entitled to 6% extra premium refund on future premium(s) on Designated FortuneXtra Savings Policy ;
or
(ii) AXA WiseGuard Pro Medical Insurance Plan (basic plan / supplement) / JoyAhead Immediate Annuity Plan (“Designated Insurance Plan”), customer may be entitled to 3% extra premium refund on future premium(s) on Designated FortuneXtra Savings Policy.
Table 3B
FortuneXtra Savings Plan Premium Refund | ||||||||||
Designated Basic Plan | ||||||||||
Designated Basic Plan | FortuneXtra Savings Plan | |||||||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | ||||||||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | Total AFYP of Designated Basic Plan and its Supplements (if applicable) | Premium Refund Percentage on Each Eligible Policy of Reward 3B# (% of the total AFYP of Eligible Policy of Reward 3B) | ||||||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | ||||||||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | Basic Premium Refund | Basic Premium Refund | Extra Premium Refund | |||||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | ||||||||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | Basic Premium Refund | +3% (if same policy owner successfully applies for Designated Insurance Plan) | OR | OR | +6% (if same policy owner successfully applies for Designated Medical and Critical Illness Plan) | |||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | ||||||||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | Basic Premium Refund | Total | OR | Total | ||||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | ||||||||||
Total AFYP of Designated Basic Plan and its Supplements (if applicable) | 5-Year Pay | 10-Year Pay | 5-Year Pay | 10-Year Pay | OR | 5-Year Pay | 10-Year Pay | |||
USD5,000 – USD39,999 (or its equivalent)+ | ||||||||||
USD5,000 – USD39,999 (or its equivalent)+ | 10%12 | 10%12 | 13%12 | 13%12 | OR | 16%12 | 16%12 | |||
USD40,000 – USD79,999 (or its equivalent)+ | ||||||||||
USD40,000 – USD79,999 (or its equivalent)+ | 18%12 | 20%12 | 21%12 | 23%12 | OR | 24%12 | 26%12 | |||
USD80,000 or above (or its equivalent)+ | ||||||||||
USD80,000 or above (or its equivalent)+ | 22%12 | 25%12 | 25%12 | 28%12 | OR | 28%12 | 31%12 | |||
+Total AFYP of Designated Basic Plan and its Supplements (if applicable) for all policy currencies and the corresponding premium refund percentage are shown in the promotion leaflet.
12. For details of Reward 3B, please refer to the section of Reward 3B of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 3C - Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate
Reward 3C of the Promotion provides customers an offer of guaranteed preferential interest rate of 4.5% per annum△ on the prepaid amount for the 1st policy year.
To enjoy this offer, simply opt for lump sum payment arrangement and pay a lump sum payment with levy at the time of application of your Max Wealth Insurance Plan. The lump sum payment with levy to be applied as follows:
(i) pay for annual premium of the 1st policy year and the corresponding levy ; and
(ii) deposit fund in advance into the future premium deposit account for premium payment of the 2nd policy year (“Prepaid Amount”) and the corresponding levy. The Prepaid Amount will accumulate interest in the 1st policy year at a guaranteed preferential interest rate of 4.5% per annum in the future premium deposit account. At the end of the 1st policy year, the interest accrued will be credited to the future premium deposit account, and the Prepaid Amount and its accrued interest will be equal to the annual premium of the 2nd policy year and will be automatically deducted from the future premium deposit account to settle the annual premium for the 2nd policy year and the corresponding levy when due.
Table 3C
Max Wealth Insurance Plan (Lump Sum Payment) – Guaranteed Preferential Interest Rate | |
Designated Basic Plan | |
Designated Basic Plan | Max Wealth Insurance Plan ^ |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | |
Guaranteed Preferential Interest Rate on the Prepaid Amount in the 1st Policy Year | 4.5% per annum13 |
△The guaranteed preferential interest rate of 4.5% per annum is applicable to the Prepaid Amount only.
^ Only applicable to Max Wealth Insurance Plan with the lump sum payment arrangement selected.
13. For details of Reward 3C, please refer to the section of Reward 3C of the Terms and Conditions stated in the promotion leaflet.
Reward 3D - Max Goal Insurance Plan Premium Discount
Table 3D
Max Goal Insurance Plan Premium Discount | |||
Designated Basic Plan | |||
Designated Basic Plan | Max Goal Insurance Plan | ||
Single Premium of Designated Basic Plan (USD) | |||
Single Premium of Designated Basic Plan (USD) | Below USD500,000 | USD500,000 to USD999,999 | USD1,000,000 or above |
Premium Discount Percentage on Each Eligible Basic Plan of Reward 3D# (% of Single Premium of Eligible Basic Plan of Reward 3D) | |||
Premium Discount Percentage on Each Eligible Basic Plan of Reward 3D# (% of Single Premium of Eligible Basic Plan of Reward 3D) | 1%14 | 2%14 | 3%14 |
14. For details of Reward 3D, please refer to the section of Reward 3D of the Terms and Conditions stated in the promotion leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 3E - JoyAhead Immediate Annuity Plan Premium Refund
During the Promotion Period, if customer successfully applies for the basic plan of JoyAhead Immediate Annuity Plan, and the single premium of such basic plan is HKD300,000 or above, customer can enjoy premium refund of up to 2% of single premium of such basic plan.
Table 3E
JoyAhead Immediate Annuity Plan Premium Refund | ||
Designated Basic Plan | ||
Designated Basic Plan | JoyAhead Immediate Annuity Plan | |
Single Premium of Designated Basic Plan (HKD) | ||
Single Premium of Designated Basic Plan (HKD) | HKD300,000 – HKD499,999 | HKD500,000 or above |
Premium Refund Percentage on Each Eligible Basic Plan of Reward 3E# (% of single premium of Eligible Basic Plan of Reward 3E) | ||
Premium Refund Percentage on Each Eligible Basic Plan of Reward 3E# (% of single premium of Eligible Basic Plan of Reward 3E) | 1%15 | 2%15 |
15. For details of Reward 3E, please refer to the section of Reward 3E of the Terms and Conditions stated in this leaflet.
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
Reward 4 – Exclusive Privilege for New Customers of Designated Employee Benefits Insurance Package Plans
Table 4
Exclusive Privilege for New Customers of Designated Employee Benefits Insurance Package Plans | ||
Designated Employee Benefits Insurance Package Plans | ||
Designated Employee Benefits Insurance Package Plans | - Axcellent Health Partner Employee Benefits Insurance Package Plan - CORProtect Employee Benefits Insurance Package Plan - Tailormade Group Medical Plan | |
Reward for each Eligible Policy of Reward 4#,16 | ||
Reward for each Eligible Policy of Reward 4#,16 | Reward for each Eligible Policy of Reward 4#,16 | |
Reward for each Eligible Policy of Reward 4#,16 | ||
Reward for each Eligible Policy of Reward 4#,16 | New customers (brand new) may be entitled to FORA Active Wireless plus (P30 plus BT)(Suggested Retail Price: HKD900) OR FORA Body Composition Analyzer W600 (Suggested Retail Price: HKD650) (Total AFYP of each Eligible Policy of Reward 4 must be HKD8,000 or above) | |
16. For details of Reward 4, please refer to the section of Reward 4 of the Terms and Conditions stated in the promotion leaflet .
#Please refer to the Terms and Conditions stated in the promotion leaflet for the definition(s).
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