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Here you can Compare, Find, and Buy The Best Low Cost Affordable Priced Comparison AXA Medical Insurance Plans Comparison  worldwide.

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At AXA Medical Insurance, protection is our calling. We understand that your protection needs may change as you and your family go through different life stages and we are committed to providing you with the most suitable solutions along your life’s journey. We want to give you and your family more peace of mind to focus on enjoying every moment knowing you are well-protected.

AXA

AXA Medical Insurance

AXA Medical Insurance

Health is wealth. Protect this most valuable asset with a medical insurance plan that allows you and your family to receive the necessary treatment without the added financial worry.

AXA offer 5 Choices Of Medical Insurance Plans:

  1. Smart Medicare Insurance

  2. SmartCare Optimum

  3. MediPartner Health Plan

  4. Global Elite II Health Plan

  5. Cancer Therapy Insurance II and Cancer And Stroke Therapy Insurance

AXA Medical Insurance Hong Kong – Smart Medicare Insurance

Smart Medicare Insurance will reimburse the actual medical expenses incurred and cover you up to age 100. You can also extend coverage with Supplementary Major Medical to include hospital costs over those covered by the basic plan. Alternatively, Smart Medimoney Insurance is available up to the age of 75 and enables you to receive daily cash benefit up to 1,000 days to meet your specific needs when hospitalised.

Financial stability is vital if you and your loved ones are to achieve your plans in life. As illness can strike at any time and medical costs are increasing year by year, it’s always wise to safeguard yourself against enormous medical expenses that can easily disrupt your plans. Providing you with comprehensive medical coverage, AXA’s Smart Medical Insurance ensures you will get the care you need while also protecting your finances. There are 2 different plans to match your unique needs – Smart Medicare which offers you actual medical expenses reimbursement protection to age 100, and Smart Medimoney which provides you with fixed daily allowance protection during hospitalisation until age 75.

Comprehensive Reimbursement of Medical Costs up to Age 100

Providing you with comprehensive reimbursement protection of actual medical expenses to age 100, including in-hospital room and board, surgery, hospital expenses and outpatient surgery, etc., our Smart Medicare enables you to obtain the medical treatment of your choice. The plan also offers you the added peace of mind of coverage for intensive care, in-patient specialist, major illness treatment and medical negligence. Such wide-ranging protection ensures that you will immediately be able to enter a private hospital should illness strike. Please refer to the benefit schedule in this leaflet for quick reference.

Choice of 4 Different Benefit Levels to Meet Your Unique Needs

Our Economy, Regular, Superior and Premier benefit levels allow you to choose precisely the level of cover that best suits your budget and personal needs.

Optional Supplementary Major Medical (SMM) Coverage up to Age 100

Available as an optional top-up for Smart Medicare customers, our Supplementary Major Medical provides supplementary reimbursement for your actual hospital costs incurred in excess of those covered under Smart Medicare basic reimbursement plan. The optional plan offers 4 benefit levels, giving you choices of financial support to meet your needs. Please refer to the benefit schedule in this leaflet for quick reference.

Cashless Arrangement for Selected Surgeries

For your convenience, you can opt to have selected surgeries including oesophagogastroduodenoscopy (“OGD”) or colonoscopy performed at our designated network clinics to save the hassle of settling medical expense, claiming for reimbursement or staying in a hospital. For further details, please refer to the terms and conditions in the related service leaflet.

Daily Hospital Cash Benefits Smart

Medimoney provides you with daily cash benefits for hospital stay of up to 1,000 days. These daily cash benefits will be doubled to give you extra financial flexibility should you require intensive care treatment. Please refer to the benefit schedule in this leaflet for quick reference.

Choice of 4 Different Benefit Levels to Meet Your Unique Needs

Our Economy, Regular, Superior and Premier benefit levels allow you to choose daily cash benefits between HK$500 and HK$1,250 during your stay in hospital. You can enjoy this medical protection for only HK$1.2 per day.

Other Benefits & Services Guaranteed Renewability

You will enjoy guaranteed annual renewal of your Smart Medical Insurance, giving you added peace of mind.

No Claim Premium Discount Ensures Even Better Value

You can enjoy a No Claim Discount on your premium for staying healthy. If you are a customer of 1) any benefit class of Smart Medicare, and/or 2) Regular Class or above of Smart Medimoney, and you have lodged no claims for the 3 consecutive years immediately prior to your policy renewal, a premium discount will be offered upon renewal of your policy. The discount is equal to 15% of your annual premium (before No Claim Discount, if any) in the previous policy year.

AXA Assistance Program

As our valued customer, you will automatically be entitled to use the free international assistance service. In the event of an emergency during a business trip or holiday, you can simply contact the 24-hour worldwide alarm centres for help.

Join Our Professional Preventive Care Program

You will also be eligible to enjoy a special rate on a wide range of professional healthcare preventive services.

Please refer to the Key Feature and Policy documents for full and up to date details

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AXA Medical Insurance Hong Kong – SmartCare Optimum

A hospital stay with its consequent medical treatment can burn a hole in your pocket. Our SmartCare Optimum provides worldwide and full coverage up to a total of HK$5 million annually to most of inpatient benefits. This helps for a stress-free journey to recovery.

Guaranteed renewal

Once you have taken out SmartCare Optimum, you will be entitled to continuous renewable protection, regardless of your health conditions.

Hospitalization benefits up to HK$5 million (apply to all age groups)

Covers a wide range of benefits including Daily Room & Board, Intensive Care Unit, Surgeon’s Fees and Anaesthetist’s Fees, up to a maximum of HK$5,000,000 per policy year.

Full refund with no surgical table

Provides genuine and adequate benefits under Surgeon’s Fees, Anaesthetist’s Fees and Operation Theatre Fees. Surgical benefits are payable within the maximum limit of your selected plan. There is no need to refer to complicated surgical schedules anymore.

No waiting period

Other than pre-existing conditions, SmartCare Optimum can provide you with immediate medical health insurance protection as soon as your application is accepted.

Deductible options with great savings

If you choose to pay a fixed deductible towards the total costs of your treatment under Basic Cover – Hospitalisation Benefits, you can enjoy up to 60% premium discount for that benefit section.

Optional cover

(1) Outpatient Benefits

  • Clinical Consultation
  • Specialist Consultation
  • Physiotherapy & Chiropractic Treatment
  • Chinese Herbalist, Bonesetter & Acupuncturist
  • X-Ray & Laboratory Expenses
  • Prescribed Drugs & Medicine

(2) Dental Benefits

  • Dental Treatment
  • Preventive & Oral Examination
  • Dentures

(3) Hospital Cash Benefits (SmartCare Essential)

  • Daily Hospital Cash
  • Choice of HK$1,000, HK$750 or
  • HK$500 per day during hospitalisation
  • Annual benefits up to a maximum of HK$500,000

Value-added services

Family Care Services

In case of hospitalisation due to accidental bodily injury, you will be entitled to the following services:

  • Domestic home helper to deliver home care service
  • Baby-sitter or child-carer to look after your unattended dependent child(ren)
  • Pet care and accommodation
  • Meal delivery assistance

24-Hour Emergency Assistance Service

Wherever you need emergency assistance, AXA Emergency Assistance Hotline is at your service on the following:

  • Telephone medical advice
  • Emergency medical evacuation
  • Repatriation after treatment
  • Repatriation of mortal remains/ashes
  • Compassionate visit
  • Return of unattended dependent child(ren)
  • Travel information
  • Legal assistance

China Hospital Deposit Guarantee

  • Worry free as no cash deposit required
  • Cover over 200 network hospitals in China
  • Allow immediate hospital admission arrangement

In-Hospital Credit Arrangement

  • Free arrangement of credit facility when you need to stay in hospital
  • Contact us and simply get a pre-approval before admission to the hospital for treatment right away

AXA Medical Card

  • When you opt for Outpatient Benefits, you will get our exclusive AXA Medical Card
  • A list of AXA panel doctors for clinical and specialist consultations services for you to choose from
  • No need to make medical payments when you present your AXA Medical Card to the listed doctors

Eligibility

You must be a Hong Kong resident with Hong Kong Identity Card, aged 18 to 64 on the first entry. You may also apply to cover your family members for the same plan. Family members include your legal spouse aged 18 to 64, and any unmarried child(ren) 6 aged 15 days to 17 or below aged 23 if in full time education.

Please refer to the Key Feature and Policy documents for full and up to date details

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AXA Medical Insurance Hong Kong – MediPartner Health Plan

Provides you with one-stop medical care ranging from hospitalization and surgical benefits, pre- and post-hospitalization benefits to additional caring benefits. You will also enjoy full cover and cashless arrangement for eligible medical expenses for treatment with designated medical service providers.

Having quality medical protection is essential to safeguard your well-being. AXA’s MediPartner Health Plan (“MediPartner” or “this Plan”) offers exceptional healthcare protection at affordable premiums. The cashless arrangement also adds to convenience and efficiency, allowing you to focus on recovery when illness strikes.

Full cover and cashless arrangement with MedPlus Service Provider

MediPartner will fully cover all the eligible hospitalization and surgical expenses for confinement in a standard semi-private room at MedPlus Service Provider (“MedPlus”), subject to our pre-authorization and an annual limit of HKD 3,800,000 and a lifetime limit of HKD 30,000,000. In addition to full cover, you will enjoy the convenience of cashless arrangement when seeking treatment with MedPlus if your hospitalization and surgical expenses have been pre-authorized. This will save you from the hassle of settling medical bills and filing claims.

For eligible treatment at MedPlus where you have not sought written pre-authorisation, co-insurance of your chosen benefit level will apply which means you will share a percentage of the costs.

Flexibility of cover

You are also free to receive treatment at any medical specialists or hospitals in Hong Kong and Asia subject to co-insurance of your chosen benefit level. After the deductible (if any) has been exhausted, we will reimburse you the eligible cost incurred. For treatment outside Asia, we will only cover immediate treatment required due to emergency and it will be subject to co-insurance of the relevant benefit level.

Deductible options to suit your budget

Under MediPartner, there are 3 annual deductible amount options available for selection:

  • Zero
  • HKD15,000
  • HKD30,000

Deductible is the amount you agree to bear each policy year before this Plan will pay any medical claims. If you are currently covered by other medical plans, you may choose a higher deductible option to enjoy preferential premium rates. You can also apply for changing your deductible option at any policy anniversary subject to our acceptance.

Reduced deductible for extra peace of mind

To provide you with greater support, if you are hospitalised when you are in the midst of changing jobs (“job changing period”5 ) , the deductible will automatically be reduced by 50% for up to 3 months. In addition, you can switch to a lower deductible option without providing a health declaration at the policy anniversary of age 55, 60 and 656 , allowing you more flexibility in retirement planning.

One-stop care for you

Besides pre-hospitalization outpatient benefit, our support is extended to taking care of your needs after hospitalization. MediPartner will offer you post-hospitalization benefits such as Post-hospitalization Outpatient and Post-hospitalization Physiotherapist/Chiropractor. To give you extra financial support, we will pay you a lump sum cash as Rehabilitation Benefit when you are regaining health after a critical surgery. We also provide other additional caring benefits to keep you worry free while you are recuperating, such as:

  • Home Nursing
  • Psychological Counselling
  • Dietician Consultation

Lifetime guaranteed renewal

MediPartner is guaranteed renewable with coverage up to age 100 of the insured , giving you extra security throughout your life journey.

Extra services AXA Assistance Programme

As our valued customer, you will automatically be entitled to use a free international assistance service. In the event of an emergency during a business trip or holiday, you can simply contact the 24-hour worldwide alarm centres for help.

AXA Wellness Programme

To help you achieve a balanced and healthy life, we present you variety of exclusive wellness products and services.

The provision of services is subject to the terms and conditions of the AXA Assistance Programme and AXA Wellness Programme respectively. All services are provided by designated service providers. For further details, please refer to the terms and conditions in their service leaflets.

MediPartner at a glance Benefit

Period Up to age 100

Issue Age Age 0 – 65

Policy Currency HKD

Premium Structure Adjust based on attained age

Payment Mode Monthly, Semi-annual or Annual Annual

Deductible Amount Options Zero, HKD15,000 or HKD30,000

Benefit Levels Superior (with 5% co-insurance) or Standard (with 20% co-insurance)

Policy Renewability Guaranteed annual renewal with coverage up to age 100 of the insured

Please refer to the Key Feature and Policy documents for full and up to date details

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AXA Medical Insurance Hong Kong – Global Elite II Health Plan

Offers global medical protection and services with its options of benefit level, geographical area of cover and deductible for your choice. It is available for anyone from age 14 days old to 80, making it an ideal protection for any stage of your life.

Having the comfort and security of solid healthcare coverage is crucial, and you are always in safe hands with AXA’s Global Elite II Health Plan (“Global Elite II”). To provide you with medical coverage and services that best suit your needs, Global Elite II offers 3 benefit levels for you to choose from. Each offers options of geographical area of cover and deductible to cater to your unique lifestyle.

Distinctive features Worldwide coverage

Having the comfort and security of solid healthcare coverage is crucial, regardless of wherever you are – and you are always in safe hands with the Global Elite II Health Plan (“Global Elite II”). The 3 geographical areas of cover we invite you to choose from are:

  • Asia
  • Worldwide excluding USA
  • Worldwide

Whichever you select, you will be covered for eligible medical treatments received not only in your Principal Country of Residence but also in any other country within your chosen area of cover. We will reimburse your eligible medical costs according to the Global Elite II policy’s terms and conditions.

Guaranteed acceptance and renewal

Global Elite II guarantees acceptance of anyone from age 14 days old to 80 (subject to availability of Global Elite II at the time of application), with no requirement for a medical questionnaire or screening. Moreover, Global Elite II guarantees plan renewal with coverage up to age 100 of the insured, making it the ideal protection for any stage of your life.

Deductible options to suit your budget

You can enjoy a discount off your annual premium amountv, depending on which deductible option you select. The table below lists out deductible options with your agreed share of a medical bill, and the corresponding discount that you can enjoy:

Deductible options (annual)  / Level of discount off annual premium amountv

Zero / 0%

HKD 12,000/USD 1,500 / 40%

HKD 40,000/USD 5,000 / 50%

Extensive benefits

In-patient coverage Most, if not all, eligible medical expenses incurred during hospitalisation – including those relating to surgery and accommodation – will be covered up to the yearly maximum amount in accordance with your policy’s terms and conditions.

We understand the care you need during hospitalisation, therefore, we will also cover:

  • the extra bed cost for your companion’s overnight stay in hospital
  • the expense for private nurse

Out-patient coverage

Global Elite II provides you with pre-hospitalisation and posthospitalisation out-patient consultation benefit.

If you are covered by Prestige or Comprehensive benefit level, Global Elite II’s coverage will also include consultation with general practitioner and specialist no matter it is related to hospitalisation or not, as well as other treatments and procedures such as:

  • magnetic resonance
  • imaging x-rays
  • traditional Chinese medicine
  • physiotherapy

Coverage for Pre-existing Conditions and Congenital Conditions

Unlike most health insurance plans, Global Elite II’s Prestige and Comprehensive benefit levels cover both Pre-existing Conditions and Congenital Conditions.

If you require treatment for a Pre-existing Condition after 9 months following the Policy Date, you will be covered up to the annual limit applicable to the Pre-existing Conditions benefit. If you have been covered for at least 24 months and have enjoyed a Trouble Free 10 period of at least 24 consecutive months immediately before the need for such treatment arises, you can claim up to the yearly maximum amount of the policy’s benefit level applicable to your plan.

If you require treatment for a Congenital Condition after 9 months following the Policy Date, you will be covered up to the annual limit applicable to the Congenital Conditions benefit.

Extra benefits Global Elite II Medical Insurance

offers benefits including, but not limited to:

  • home nurse
  • psychiatric treatment
  • HIV/AIDS treatment
  • hospice and palliative care

In addition, if you are covered under the Prestige or Comprehensive Medical Insurance benefit level, Global Elite II will offer you extra protection including:

  • health screen
  • oral and maxillofacial surgery
  • pre- and post-natal complications
  • new born accommodation
  • vaccinations

Insureds under the Prestige benefit level will also be entitled to the following exclusive benefits:

  • routine dental care
  • routine optical care
  • pregnancy and delivery benefit

Outstanding services

Direct billing for hospitalisation

Global Elite II will settle your eligible in-patient expenses directly with hospitals listed in our Global Directory of Hospitals, which is available at www.axa.com.hk. The directory covers hospitals in more than 130 countries/territories all over the world, such as Hong Kong, mainland China, Japan, Singapore and the UK. This is particularly useful when you are abroad and require emergency In-patient Treatment, because finding appropriate and effective medical care can add to the stress of such a situation.

If you have opted for the “Zero” deductible option, we will settle all your eligible expenses directly with the hospital. For other deductible options, direct billing service will be effective as soon as you have settled your agreed share of relevant medical bills.

Death benefit

The designated beneficiary will receive a Compassionate Death Benefit in the unfortunate event of death of the insured.

Elite services you can always rely on

24-hour Global Elite Customer Service Even if you are travelling or residing in different time zones, our experienced team is ready 24 hours a day to provide information on your benefits or claims.

24-hour International Emergency Medical Assistance Wherever you are, our hotline is at your service 24 hours a day, 365 days a year if evacuation and overseas repatriation are required.

24-hour Concierge Service Our concierge team is pleased to help you arrange luxury car and limousine rentals, as well as reservations of hotels, dining, air-tickets, concerts, and more. You can also get information on local city events and attractions by consulting our concierge team.

24-hour Health at Hand We also care for your overall wellness. Health at Hand is a valuable phone servicer that provides you with the latest available medical information on specific illnesses, treatments and medications, as well as a prompt professional opinion on any issue that could be affecting your health. The service is offered by professionals that include registered nurses, midwives, pharmacists and counsellors.

Second Medical Opinion Service A team of top-notch medical experts will offer you professional second medical opinion to facilitate informed decision making on treatment preferences.

Please refer to the Key Feature and Policy documents for full and up to date details

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AXA Medical Insurance Hong Kong – Cancer Therapy Insurance II and Cancer And Stroke Therapy Insurance

Offer comprehensive reimbursement for eligible medical expenses related to treatment of cancer and stroke, helping you alleviate the financial burden and have peace of mind during the healing journey.

Cancer and stroke treatment can take a long time and result in a heavy burden financially, physically and emotionally. Cancer Therapy Insurance II and Cancer And Stroke Therapy Insurance help ease the burden by providing comprehensive coverage throughout different stages of the healing journey. With such all-round support, the insured can focus on recovery with peace of mind.

AXA understands your worries in the unfortunate event of suffering from cancer or stroke. Our Cancer Therapy Insurance II and Cancer And Stroke Therapy Insurance offer comprehensive reimbursement for all eligible medical expenses, helping you alleviate the financial burden and have peace of mind during the healing journey.

Substantial protection against cancer and stroke

  • Cancer Therapy Insurance II reimburses the cost of cancer treatment up to HKD7,500,000 (Superior benefit level) or HKD3,000,000 (Regular benefit level) over lifetime
  • Cancer And Stroke Therapy Insurance reimburses the cost of cancer and stroke treatment up to HKD12,500,000 (Superior benefit level) or HKD5,000,000 (Regular benefit level) over lifetime

Comprehensive coverage for different stages of the healing journey

  • Fully covers a wide range of medical costs incurred, such as: • diagnostic stage : computerised tomography (CT) and magnetic resonance imaging (MRI) • treatment stage : target therapy and reconstructive surgery • monitoring stage : physical examinations and laboratory tests
  • Provides financial support for additional care, such as Chinese herbalist consultation and physiotherapy

Extra security with guaranteed renewability

  • Guaranteed renewal with protection up to age 1004 of the insured

Value-added services at no extra cost

  • The services include patient escorting service and second medical opinion

Cancer Therapy Insurance II and Cancer And Stroke Therapy Insurance at a glance

Policy type Non-participating policy. No cash value or loan value will be offered

Issue age Age 0 – 65

Benefit term Up to age 100

Premium payment term Up to age 100

Premium structure Adjust annually

Payment mode Monthly, semi-annual or annual

Please refer to the Key Feature and Policy documents for full and up to date details

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