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With SmartCare Optimum, we provide full refund for medical expenses incurred worldwide.

1. Guaranteed RenewalΔ

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

2. High Hospitalization Benefits up to $5 million (Apply to all age groups)

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

3. 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.

4. No Waiting Period

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

5. Deductible Options with Great Savings

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

6. Get Extra Premium Discount

Family Discount : 5% offer for each additional family member when enroll together!

 

Basic Cover

 
Hospitalization Benefits


Additional Benefits

SmartCare Optimum Plus


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 $1,000, $750 or $500 per day during hospitalized
  • Annual Benefits up to a maximum of $500,000
 
 

24-Hour Emergency Assistance Service

AXA Assistance Hotline for unlimited cover 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 Card

 

 

In-Hospital Credit Arrangement (Hong Kong only)

  • Free arrangement of credit facility when you need to stay in hospital
  • Call our AXA Hotline (during office hours) and simply do a pre-approval then you can check into 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 any medical payments when you present your AXA Medical Card to the listed doctors


Remark:

  • Δ Policy annual renew is guaranteed. AXA General Insurance Hong Kong Limited reserves its right to amend premium rates, benefits, terms and conditions upon policy renewal.
  • All amounts are in Hong Kong Dollars.


Brochure
Click to read/download our product brochure
 

 

BASIC COVER - Hospitalization Benefits
Maximum Limits Per Person
  Elite Plan Deluxe Plan
Overall Annual Policy Limit $5,000,000 $2,500,000
Daily Room & Board +
- Unlimited no. of days per disability
Private Room
(Standard)
Semi-Private Room
In-Hospital Doctor's Visit +
 
 
 
 
 
 
 
 
 
 
 
 
 
 
FULL REFUND
 
 
 
 
 
 
 
 
 
 
 
 
 
FULL REFUND
In-Hospital Specialist's Consultation*+
 
Surgeon's Fee +
Anaesthetist's Fee +
Operating Theatre Fee +
Hospital Expenses +
Intensive Care Unit +
- Max. 30 days per disability
In-Hospital Physiotherapy +
Prescription Drugs +
Organ Transplantation#+
Parent Accommodation +
- Max. 60 days per disability
Psychiatric Treatment +
- Max. 60 days per year
Pre-Hospitalization Treatment
- Limit to 1 visit per disability
Post-Hospitalization Treatment
- within 42 days after discharge from hospital
- Max. limit per day
$500 $500
Home Nursing*
- Max. 90 days per disability
- Max. limit per day
$1,000 $500
Hospital Cash
(subject to Hong Kong SAR Government Public Ward only)
- Max. 90 days per disability
- Max. limit per day
$1,000 $700
Outpatient Kidney Dialysis & Outpatient Cancer Treatment
- Max. limit per year
$500,000 $250,000
Accidental Dental Treatment+
- Max. limit per year
$10,000 $10,000
Artificial Prosthesis (include Stent & Pacemaker)*+
- Max. limit per year
$30,000 $15,000
Max. limit per year for the above listed hospitalization benefits (applicable to medical expenses incurred overseas only) $1,000,000 $500,000
ADDITIONAL OPTIONAL COVER Elite Plan Deluxe Plan
(1) Outpatient Benefits - Max. limit per year
      a) Clinical Consultation ##
      b) Specialist Consultation ##
      c) Physiotherapy & Chiropractic Treatment * ##
           - 80% Reimbursement
           - Max. 10 visits per year
      d) Chinese Herbalist, Bonesetter &
           Acupuncturist ##
           - 100% Reimbursement
           - Max. limit per visit
           - Max. 10 visits per year
      e) X-Ray & Laboratory Expenses*
       f) Prescribed Drugs & Medicine* 
           - Max. limit per year
$150,000
FULL REFUND 
FULL REFUND
Unlimited
 
 
 
 
 
$200

FULL REFUND

$20,000
$ 100,000
FULL REFUND
FULL REFUND
Unlimited


 

 
$ 200
 
FULL REFUND

$10,000
(2) Dental Benefits^ - Max. limit per year
      a) Dental Treatment
      b) Preventive & Oral Examination
           - Max. limit per visit
           - Max. 2 visits per year
      c) Dentures
           - Max. limit per tooth
$16,000
FULL REFUND

$500


$2,400
$16,000
FULL REFUND

$500


$2,400
  Gold Plan  Silver Plan Bronze Plan
(3) Hospital Cash Benefits (SmartCare
      Essential)
      a) Maximum Annual Limit
      b) Hospital Cash Benefit - per day
           -no pre-set maximum period
      c) Double Hospital Cash Benefit - per day
           - no pre-set maximum period
           (i)   Confinement Overseas
           (ii)  Intensive Care Unit
           (iii) Critical Illness
     d) Accidental Death Benefit
     e) Accidental Dental Benefit - per year
 
 
$500,000
 $1,000

$2,000




$100,000
  $10,000
 
 
$375,000
$750

$1,500




$75,000
 $7,500
 
 
$250,000
$500

$1,000




$50,000
$5,000
Unlimited 24-Hour Emergency Assistance Service (e.g. Medical evacuation / repatriation of mortal remains)                
                
China Hospital Deposit Guarantee Card                                 
 
Remark:
  • All expenses must be medical necessary and reasonable and customary.
  • Overseas cover & Emergency Assistance Service will be ceased if stay longer than 90 consecutive days outside Hong Kong SAR.
  • Medical card and In-Hospital Credit Arrangement can be provided subject to indemnification.
  • + If the Insured confines in a higher level of room type, the relevant medical expenses will be adjusted subject to the applicable terms and conditions of the policy. 
  • # Includes all expenses of operating theatre & materials, anaesthetist, surgeon and hospital service relating to the transplantation of heart, kidney, liver or bone marrow. 
  • ## Limit to 1 visit per day.
  • * Recommended or referred by the attending physician.
  • ^ For Dental cover, the Insured must submit a separate Dental Examination Report completed by Registered Dentist.
  • All amounts are in Hong Kong Dollars.
 
Eligibility
  • You must be a Hong Kong resident (with Hong Kong Identity Card), aged 18 and below 65 on the first entry.
  • You may also apply to cover your family members for the same plan including your legal spouse aged 18 to 64, and any unmarried child(ren) aged over 14 days to 17 years (or below 23 if in full time education).
 
 

Annual Premium Table

(Effective from 1 June 2012 until further notice)
 
BASIC COVER                    Elite Plan               Deluxe Plan
Hospitalization Benefits    Female      Male    Female Male
Age Band
0 - 5
 6  - 10
11 - 15
16 - 20
21 - 25
26 - 30
31 - 35
36 - 40
41 - 45
46 - 50
51 - 55
56 - 60
  61 - 65*
  66 - 70*
  71 - 75*
  76+*
 
$7,410
$7,310
$7,310
$8,220
$8,700
$11,735
$11,900
$13,835
$13,975
$18,900
$19,465
$25,745
$26,385
$30,790
$31,985
$37,425
 
$7,040
$7,040
$7,040
$7,800
$7,905
$10,255
$10,460
$12,325
$12,575
$17,425
$17,850
$23,980
$24,560
$27,980
$28,740
$33,015
 
$3,670
$3,630
$3,630
$4,030
$4,250
$5,100
$5,230
$6,515
$6,645
$10,210
$10,710
$16,565
$17,710
$21,235
$22,020
$25,600
 
$3,550
$3,550
$3,550
$4,050
$4,325
$4,585
$4,705
$5,865
$5,925
$9,160
$9,465
$15,000
$15,500
$19,455
$20,185
$23,035
SmartCare Optimum Plus
Flexible "Deductible" Options under Hospitalization Benefits
If you choose to pay a fixed deductible amount towards the total costs of your treatment under hospitalization benefits, you can enjoy a substantial discount on premium. Here are the options.
Deductible option (Deductible per year) Discount Rate
$10,000
$50,000
$100,000
$250,000
10%
25%
40%
60%
Additional Optional Cover
(1) Outpatient Benefits Elite Plan Deluxe Plan
Female Male Female Male
Age Band
0 - 5
  6 - 10
11 - 15
16 - 20
21 - 25
26 - 30
31 - 35
36 - 40
41 - 45
46 - 50
51 - 55
56 - 60
  61 - 65*
  66 - 70*
  71 - 75*
  76+*

$7,400
$7,300
$7,300
$7,810
$8,370
$10,860
$11,290
$12,865
$13,560
$16,410
$17,765
$22,165
$22,825
$26,250
$27,525
$30,475
 
$6,970
$6,695
$6,695
$7,075
$7,535
$9,585
$9,965
$11,575
$12,205
$14,765
$15,980
$20,140
$20,740
$23,395
$24,530
$26,885
           $3,915
$3,875
$3,875
$4,295
$4,370
$5,400
$5,500
$6,925
$7,055
$10,165
$10,760
$15,545
$16,785
$19,020
$20,145
$22,335
 
$3,735
$3,720
$3,720
$4,305
$4,485
$4,860
$4,950
$6,235
$6,350
$8,980
$9,510
$13,735
$14,835
$17,435
$18,460
$20,100
(2) Dental Benefits       
Elite Plan Deluxe Plan
Female Male Female Male
All Ages $3,600 $3,600 $3,600 $3,600
(3) Hospital Cash Benefit
(SmartCare Essential)
Gold Plan
Silver Plan
Bronze Plan
Female Male Female Male
Female Male
 Age Band
    18 - 24
    25 - 34
    35 - 44
    45 - 54
    55 - 64
 
$1,030
$1,650
$2,145
$3,005
$3,720
 
$910
$1,160
$1,700
$2,660
$3,720
 
$735
$1,185
$1,540
$2,155
 $2,670
 
$650
$835
$1,220
$1,905
$2,670
 
$500
$785
$1,015
$1,410
$1,740
 
$500
$560
$810
$1,250
$1,740
 
Special Offer
Get an Extra Premium Discount Now!
5% off for each Additional Family Member 
 
Remark:
  • *Age 65 or above for Renewal Only.
  • The premiums, benefits and deductible are applicable to each Insured Person, whereas their plan(s) selected should be the same.
  • All amounts are in Hong Kong Dollars.

 

How to apply
1. Select the best-fit coverage for yourself.
2. Simply click into the link, download the form and fill in.
3. Return your application to AXA.
4. Leave your contact details. We will inform you the progress of application.

Proposal Form
Click to download a Proposal Form
Click to download a Proposal Form (for broker business)

To apply or for details, please contact your insurance consultant or call us.


Hospital Network List
Click to read/download the China Hospital Deposit Guarantee Card - Hospital Network List

Dental Examination Report
Click to read / download the Dental Examination Report

Get in touch
(852) 2867 8686
(852) 2804 1730