Illness and injuries may strike without warning, it is absolutely not worth the loss if you miss the prime time for treatment due to your financial hardships. Under the Voluntary Health Insurance Scheme (“VHIS”), AXA brings you “AXA WiseGuard Pro Medical Insurance Plan”, “Smart Medicare” and “AXA WiseGuard Medical Insurance Plan”, providing you comprehensive and flexible protection.
What is VHIS?
Introduced by the Health Bureau to improve consumers’ access to private healthcare, the Voluntary Health Insurance Scheme (VHIS) ensures all insurance plans certified under this government scheme meet a set of minimum standards and benefits, as featured below.
Standard VHIS Features
AXA offers 3 VHIS-Certified Plans
Starting at
HKD 139^/month
AXA WiseGuard Medical Insurance Plan
WiseGuard is AXA’s VHIS Standard Plan that covers your essential medical needs according to VHIS standards and more. With WiseGuard, you’ll enjoy essential, quality protection backed by one of the largest insurers in the world. With AXA, you know you’re in safe hands.
Starting at
HKD 174.8 ^/month
Smart Medicare
Smart Medicare is a VHIS Flexi Plan that gives you all the benefits of WiseGuard together with three tailored benefit levels to give you full flexibility on coverage. There is no limit to lifetime benefits and supplementary major medical cover is available as an option.
Starting at
HKD355.6^/month
AXA WiseGuard Pro Medical Insurance Plan
WiseGuard Pro is a VHIS Flexi Plan that offers a comprehensive range of benefits, such as full cover2 for hospitalisation surgical benefits, prescribed non-surgical cancer treatments and outpatient kidney dialysis without lifetime benefit limit, and no waiting period for unknown pre-existing conditions. WiseGuard Pro also offers a wide range of premium features to give you a well-guarded life.
Read more about VHIS here
Read more about the key advantages of VHIS and how it is revolutionising healthcare for Hong Kong people.
Migrate your existing individual hospital insurance policy to Standard Plans or Flexi Plans (“Certified Plans”) to enjoy VHIS's benefits
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Get More from Your VHIS Insurance
VHIS policyholders can now access our AXA BetterMe services for smarter, healthier living
Accessible via the EMMA by AXA app, AXA BetterMe is a holistic wellness platform that makes it easy for you to learn about your health conditions, set up workout challenges, mindfulness classes and more. The ultimate goal is to help enhance your physical and mental wellbeing.
Download EMMA by AXA app now (for free) and find out what you can do to spend less, enjoy life more and get closer to becoming your #BetterMe.
Enjoy up to
12 Months' Premium Refund
AXA “Winter Delights ” Programme
OGD and Colonoscopy cashless arrangement for WiseGuard and Smart Medicare policyholders
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.
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Prepay your medical insurance premium for a guaranteed return
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.
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