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SurgiCare Surgical Insurance Plan

Standing by you for your surgical needs

SurgiCare Surgical Insurance Plan

Standing by you for your surgical needs

Enjoy a perpetual premium discount up to 30%#!

#Discount is calculated based on the specific sum insured as at the policy application and renewal date.

Catering to your surgical needs and more, AXA’s SurgiCare Surgical Insurance Plan (“SurgiCare”) brings you lump-sum benefits based on four clean-cut surgical procedure levels1, covering your surgical uncertainties in a straight-forward way regardless of illness definitions. With SurgiCare, you can feel secured about the “what-ifs” of life.

SurgiCare has received:

“Excellent Brand of Life Insurance Services” from Metro Finance’s “Hong Kong Leader’s Choice 2022”

Product Features

Covers over 450 surgical procedures via four surgical procedure levels1 – referencing VHIS’s classifications

Thoughtful, straightforward and easy to claim, SurgiCare is your perfect VHIS companion, covering over 450 surgical procedures based on four clean-cut surgical procedure levels1 - minor, intermediate, major and complex – referencing VHIS’s classifications. Let VHIS take care of hospital bills and use SurgiCare as an extra support for non-medical daily expenses or additional expenses incurred during recovery. Click here for the full list of all covered surgical procedures7.

Lump-sum benefit whenever a surgery is needed to treat your illness

Defined by the kind of surgery performed, SurgiCare is a lump-sum benefit solution dedicated to making your life as easy as possible whenever unexpected accidents or illnesses hit. From Oesophagogastroduodenoscopy (OGD) performed in a day case procedure centre, laser lithotripsy to treat bladder stone, to complex spinal fusion surgery, SurgiCare lets you claim a lump-sum payout based on four surgical procedure levels1, regardless of the definition of the illness.

Guaranteed renewal up to age 1002,3

Renewal is guaranteed up to the age of 1002,3, regardless of any change in health condition and claim history after plan enrolment. Fit for every life stage, SurgiCare also offers premiums that will not be raised due to medical inflation, making budgeting and money management a breeze.  

Companion Benefit4,6 and Compassionate Death Benefit5,6

As much as we care for you, we are concerned about your loved ones too. SurgiCare offers an extra one-off payout amounting to 5% of the sum insured to policy owner as Companion Benefit4,6 if the insured, aged 123 or below, undergoes a major surgical procedure or complex surgical procedure, and that the Major Surgical Procedure Benefit1,6 or Complex Surgical Procedure Benefit1,6 (as the case may be) becomes payable under the plan.

In the unfortunate event of death of the insured, we will pay a Compassionate Death Benefit5,6 to the designated beneficiary as an extra financial support.

 

 

Your perfect companion to VHIS plans

See how SurgiCare offers you extra protection to support additional expenses incurred during the recovery journey on top of existing medical insurance plans.

Download
Download
SurgiCare Surgical Insurance Plan Product Brochure
PDF 2.9 MB
Download
Schedule of Surgical Procedures
PDF 400.7 KB

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VHIS Series

VHIS Certified Plan

Tax Deduction Series

Under the Voluntary Health Insurance Scheme (“VHIS”), AXA brings you “AXA WiseGuard Pro Medical Insurance Plan”, “AXA WiseGuard Medical Insurance Plan” and “Smart Medicare”, providing you comprehensive and flexible protection.

  • Guaranteed renewal up to age 100
  • No waiting period
  • Coverage for local psychiatric treatment
Prepay your medical insurance premium for a guaranteed return

MediEnhancer Supplement

MediEnhancer Supplement not only promises you steady guaranteed returns, but supports you in coping with ever-rising medical costs.

Enrol now!

* Terms and conditions apply.

Meet our Financial Consultant via virtual appointment!

Experience our seamless digital enrollment platform! Meet, buy, sign, pay and upload documents safely from the comfort of your home. 

Meet a Consultant

Request an appointment with a financial consultant

Contact AXA
Customer Hotline(852) 2802 2812
Business HourMonday - Friday: 09:00 - 17:30
Saturday: 09:00 - 13:00
Except Public Holidays

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Disclaimer

Want to talk to us?
Please input correct information.
We can only discuss insurance matters with you when you are in HK.
Please input correct information.
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Maximum 250 characters
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By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.

Want to talk to us?
Please input correct information.
We can only discuss insurance matters with you when you are in HK.
Please input correct information.
Please input correct information.
Maximum 250 characters
*Required

By submitting this form, I agree with AXA's use of my personal data above to conduct direct marketing in relation to insurance products issued by AXA. AXA won’t engage in such activities otherwise. I also acknowledge and agree with the Privacy Policy & Personal Information Collection Statement.

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 annum△,11

△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.

11. 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%12
2%12
3%12

12. 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 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%9
10%9
7%9

9. 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 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 months7
2 months7
3 months7
3 months7

Special Reward

Special Reward

Out-patient Service

(please refer to "Special Reward – Out-patient Service" for details)

7. 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 3E - JoyAhead Immediate Annuity Plan Premium Discount

During the Promotion Period, if customer successfully applies for the basic plan of JoyAhead Immediate Annuity Plan, customer can enjoy premium discount of up to 1% of single premium of such basic plan.

 

Table 3E

JoyAhead Immediate Annuity Plan Premium Discount

Designated Basic Plan

Designated Basic Plan

JoyAhead Immediate Annuity Plan

Premium Discount Percentage on Each Eligible Basic Plan of Reward 3E#

(% of single premium of Eligible Basic Plan of Reward 3E)

Premium Discount Percentage on Each Eligible Basic Plan of Reward 3E#

(% of single premium of Eligible Basic Plan of Reward 3E)

1%13

13. 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).

Enjoy up to 8 months’ premium refund on AXA WiseGuard Pro Medical Insurance Plan*!

* For details, please refer to the relevant promotion leaflet. Terms and conditions apply.

Enjoy up to 8 months’ premium refund *!

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.

Enjoy a 4.5% p.a. guaranteed preferential interest rate*!

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply

Enjoy up to 3% Premium Discount

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply

Enjoy up to 10% premium refund*!

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.

Enjoy up to 10% premium refund*!

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.

Enjoy up to 7% premium refund*!

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply

【Limited time offer】

Apply and enjoy up to 33% premium refund# 
Enjoy up to 4.8% p.a. guaranteed preferential interest rate on prepaid premiums#
#Terms and conditions of this promotion apply. For details, please refer to the below promotion leaflet.

Enjoy up to 3 months’ premium refund*!

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.

Enjoy up to 3 months 'premium refund*!

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.

Enjoy up to a 5% premium discount every policy year# 

# For details, please refer to the relevant promotion leaflet. Terms and conditions apply.

Enjoy 1% premium refund*!

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply

Enjoy a perpetual premium discount up to 30%#!

#Discount is calculated based on the specific sum insured as at the policy application and renewal date.

Enjoy up to 3 months’ premium refund*!

*For details, please refer to the relevant promotion leaflet. Terms and conditions apply.

“Excellent Brand of Life Insurance Services” from Metro Finance’s “Hong Kong Leader’s Choice 2022”
Prepay your medical insurance premium for a guaranteed return

MediEnhancer Supplement

MediEnhancer Supplement not only promises you steady guaranteed returns, but supports you in coping with ever-rising medical costs.

Enrol now!

* Terms and conditions apply.

Meet our Financial Consultant via virtual appointment!

Experience our seamless digital enrollment platform! Meet, buy, sign, pay and upload documents safely from the comfort of your home.