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SmartCare Entrepreneur
The cost-efficient SME solution that gives you and your employees better benefits and higher value-for-money group medical insurance protection

Coverage
1. Hospitalization Cover
2. 24-Hour Emergency Assistance Service(FREE)

Optional Cover
1. Additional Hospitalization Benefits
2. Supplementary Major Medical Benefits
3. Outpatient Benefits
4. Dental Benefit
5. Portable Plan (New feature!)

Brochure
Click to read/download our product brochure

Coverage

1. Hospitalization Cover

Provide coverage for:

  1. Daily Room & Board
  2. In-Hospital Doctor's Visit
  3. Hospital Expenses
  4. Surgeon's Fees
  5. Anaesthetist's Fees
  6. Operating Theatre's Fees
  7. In-Hospital Specialist's Consultation
  8. Post Hospitalization Treatment
  9. Intensive Care Unit
  10. Organ Transplantation
  11. Hospital Cash Benefit

2. 24-Hour Emergency Assistance Service

  •  In case of emergency, wherever you are in the world, you can get access to AXA Assistance Hotline for emergency assistance including medical advice, medical evacuation, repatriation and all other emergency assistance services.
 
 

Optional Cover

1. Additional Hospitalization Benefits

  •  Provide coverage for :
    (i) Outpatient Kidney Dialysis
    (ii) Outpatient Cancer Treatment

2. Supplementary Major Medical Benefits

3. Outpatient Benefits

  • Option A
    Provide coverage for:
    (i) Clinical Consultation
    (ii) Specialist Consultation
    (iii) X-Ray & Laboratory Examination
  • Option B
    * Provide coverage in option A plus the following:
    (i) Chinese Herbalist/Bonesetter treatment
    (ii) Physiotherapy/Chiropractic treatment
    - Option of 80% / 100% reimbursement for Outpatient Benefits
 

4. Dental Benefits

  •  Provide coverage for :
    (i) Treatment of Accidental Denture Treatment
    (ii) Extraction & Fillings
    (iii) Dental X-Ray
    (iv) Preventive Oral Examination

5. Portable Plan. Please click HERE for details


Brochure
Click to read/download our product brochure
 
 

Schedule of Benefits

Basic Cover Max. Limit Per Disability
(A) Hospitalization Benefit Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
100% Reimbursement
Daily Room & Board (Up to max. 90 days) $2,200 $1,800 $1,200 $800 $600 $450
In-Hospital Doctor's Visit
(Limit per day; up to max 90 days)
 $2,200 $1,800 $1,200 $800 $600 $450
Hospital Expenses $33,000 $27,000 $18,000 $12,000 $10,000 $8,000
Surgeon's Fees
-Complex
-Major
-Intermediate
-Minor
$99,000
$66,000
$33,000
$13,200
$87,000
$58,000
$29,000
$11,600
$63,000
$42,000
$21,000
$8,400
$45,000
$30,000
$15,000
$6,000
$36,000
$24,000
$12,000
$4,800
$27,000
$18,000
$9,000
$3,600
Anaesthetist's Fees (Up to max. 30% of Surgeon's Fees)
Operating Theatre Fees (Up to max. 30% of Surgeon's Fees)
In-Hospital Specialist's Consultation* $6,000 $5,000 $4,000 $3,000 $2,000 $1,500
Hospital Cash**
(Limit per day; up to max. 90 days)		 $1,000 $800 $600 $400 $300 $225
Post Hospitalization Treatment $3,000 $2,500 $2,000 $1,500 $1,000 $800
Intensive Care Unit
(Limit per day; up to max. 14 days)		 $3,500 $3,200 $2,400 $1,600 $1,200 $900
Organ Transplantation #
(Max. limit per year)		 $100,000 $50,000
 
N.B
  • All expenses must be medically necessary and reasonable and customary.
  • Worldwide Cover.
  • * Recommended or referred by the attending physician.
  • ** Subject to any hospital and surgeon’s fee shall not be reimbursed and stayed at Hong Kong Government Public Ward only.
  • # Includes all expenses incurred for operating theatre and materials, anaesthetist, surgeon and hospital services for heart, kidney, liver or bone marrow transplantation.
 
Optional Cover  
(B)Additional Hospitalization Benefit Plan1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
100% Reimbursement
(Max. limit Per year)		  
Outpatient Kidney Dialysis $30,000
Outpatient Cancer Treatment $75,000
(C) Supplementary Major Medical Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
80% Reimbursement (Max. limit Per disability)  
Supplementary Major Medical ##* $200,000 $100,000
Deductible $1000
N.B
  • * Insured shall stay in a room not exceeding the daily room & board rate, otherwise the amount of Benefit payable will be discounted by an adjustment factor.
  • ## Not applicable for Organ Transplantation, Outpatient Kidney Dialysis and Cancer Treatment
(D) Outpatient Benefit A Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
80% / 100% Reimbursement
(Max. limit per visit)
Clinical Consultation
Max. 1 visit per day and 30 visits per year		 $350 $300 $250 $200 $150 $100
Specialist Consultation**
Max. 1 visit per day and 10 visits per year		 $700 $600 $500 $400 $300 $200
X-Ray & Laboratory Examination** (Max. limit per year) $5,000 $4,000 $3,000 $2,000 $1,500 $1,000
 
(E) Outpatient Benefit B
Outpatient Benefit A + the following benefits		 Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
80% / 100% Reimbursement
(Max. limit per visit)		  
Chinese Herbalist / Bonesetter
Max. 1 visit per day and 5 visits per year		 $350 $300 $250 $200 $150 $100
Physiotherapy / Chiropractic Treatment**
Max. 1 visit per day and 10 visits per year		 $700 $600 $500 $400 $300 $200
N.B
  • **Recommended or referred by the attending physician.
(F) Dental Benefit Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
80% Reimbursement
(Max. limit per year)		  
Overall max. limit per year $3,200 $2,200
Accidental Denture Treatment $1,000 $800
Extraction & Fillings $1,200 $800
Dental X-Ray $800 $500
Preventive Oral Examination
Max. 2 visits per year (Limit per visit)		 $400 $300
 
Remark:
  • All amounts are in Hong Kong dollars 
 
Basic Cover Plan 1
Plan 2
 Plan 3 Plan 4 Plan 5 Plan 6
(A) Hospitalization Benefit Employee / Spouse $4,320 $3,190 $2,640 $1,696 $1,265 $1,010
Dependent Child $3,456 $2,552 $2,112 $1,357 $1,012   $807
Optional Cover
(B) Additional Hospitalization Benefit
(Outpatient Kidney Dialysis
& Outpatient Cancer Treatment)		 Employee / Spouse   $140   $140   $140   $140   $140   $140
Dependent Child   $112   $112   $112   $112   $112   $112
(C) Supplementary Major Medical Employee / Spouse   $743   $878 $1,013   $439   $513   $594
Dependent Child   $594   $702   $810   $351   $410   $475
(D) Outpatient Benefit A
(Clinical & Specialist
Consultation + X-Ray
& Laboratory
Examination)		 80% Reimbursement
Employee / Spouse $3,129 $2,814 $2,394 $1,974 $1,575 $1,260
Dependent Child $3,911 $3,518 $2,993 $2,468 $1,969 $1,575
100% Reimbursement
Employee / Spouse $3,911 $3,518 $2,993 $2,468 $1,969 $1,575
Dependent Child $4,889 $4,397 $3,741 $3,085 $2,461 $1,969
(E) Outpatient Benefit B
(Clinical & Specialist
Consultation + X-Ray &
Laboratory Examination + Chinese Herbalist /
Bonesetter + Physiotherapy /
Chiropractic Treatment)		 80% Reimbursement
Employee / Spouse $4,295 $3,775 $3,197 $2,581 $2,032 $1,638
Dependent Child $5,369 $4,719 $3,996 $3,227 $2,540 $2,048
100% Reimbursement
Employee / Spouse $5,369 $4,719 $3,996 $3,227 $2,540 $2,048
Dependent Child $6,711 $5,899 $4,996 $4,033 $3,175 $2,560
(F) Dental Benefit Employee / Spouse $1,473 $1,473 $1,473 $1,105 $1,105 $1,105
Dependent Child $1,694 $1,694 $1,694 $1,271 $1,271 $1,271
 
Remark:
  • If the average age of the proposed group is below 36 years old, there will be 10% discount off the standard rate.
  • If the average age of the proposed group is above 44 years old, there will be 15% loading on the standard rate.
  • Average age is based on the age of the proposed group staff excluding spouse and dependent children.
  • All amounts are in Hong Kong Dollars 

Eligibility

  • Minimum group size of 3 employees (excluding dependents)
  • Maximum 2 Plans per policy for group with less than 10 employees
  • Individual health declaration is required for group with 5 employees or below (excluding dependents)
  • Employees must be actively at work
  • Premium must be paid by the employer only
  • Age limit below 65 for all Insured members
  • Dependants shall mean any of the following persons:
  1. a spouse aged between 18 and 64 years old inclusive
  2. unmarried child(ren) over fourteen (14) days old but under nineteen (19) years old, or twenty-three (23) years old if still in full-time education, and is/are not gainfully employed
  • Minimum premium is $3,000
  • All permanent full-time employees have to be insured
  • Employees in the same category must enroll in the same Plan
  • Dependants must be enrolled in the same Plan as employees

 

Apply step by step

  1. Select the best coverage for your Company/Employees.
  2. Fill up the Proposal Form.
  3. Submit the Proposal Form together with a Business Registration copy.
  4. Fill out the Individual Health Declaration Form if your company has 5 or less employees.
  5. Return the above information to AXA and leave your contact details.
  6. AXA will contact you the progress of application.
 
Proposal Form
Click to download a Proposal Form
 
individual Health Declaration Form
Click to download a Health Declaration Form

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

Group Adjustment Report Form
Click to download a Group Adjustment Report Form
 
 
Get in touch
(852) 2867 8686
(852) 2804 1730

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