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Increasing health care cost has become a concern. With SmartCare Executive, we provide comprehensive protection.

1. Guaranteed Renewal∆

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

2. Annual Hospitalization Benefits up to $375,000 (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 $375,000 per policy year.

3. Choice of 3 plans

To suit your own need, SmartCare Executive provides 3 levels of benefits, room accommodation could be Private, Semi-Private or Ward type.

4. Comprehensive Cover for Hospital In-patient Charges

Hospital charges will be reimbursed as per Benefit limits. For items of Intensive Care Unit, Prescribed Drugs, Physiotherapy, Operating Theatre, Anaesthetist & Specialist's Consultation, full refund of the charges could be provided.

5. Get Extra Premium Discount

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

 

Basic Cover

  • Hospitalization Benefits
 
 
Optional cover

1. Supplementary Major Medical Benefits (apply to all age groups)

Provides a supplementary coverage up to $100,000 per disability per year for payment of large medical bills brought about by serious disability in the event that the Hospitalization Benefit is exhausted.

2. Outpatient Benefits (80% or 100% reimbursement)

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

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

 
 
Remark:
  • ∆ 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

 

Schedule of Benefits

(Effective from 15 April 2011 until further notice)
 
Basic Cover - Hospitalization Benefits Maximum Limits, Per Person
 
Gold
Plan
 Silver Plan Bronze Plan
Overall Annual Limit $375,000 $250,000 $175,000
Room Type Private
(Standard) 
Semi-Private
 Ward
Room & Board (Max. limit per day)+
- Max. 90 days per disability		 $1,900 $1,100
$650
 
Intensive Care Unit (Max. 21 days per disability)
Full
Refund+

 
Overseas Overall Limit
$32,500 per disability
Full Refund+

 
Overseas Overall Limit
$20,000 per disability
Full Refund+

 
Overseas Overall Limit
$13,500 per disability
Prescription Drugs
In-Hospital Physiotherapy*
In-Hospital Specialist's Consultation*
Operating Theatre Fee (Max. up to 30% of Surgeon's Fee)
Anaesthetist's Fee (Max. up to 30% of Surgeon's Fee)
Surgeon's Fee (Per Surgical Schedule)∞+
- Max. limit per disability		 $75,000^  $45,000^
 $30,000^
 
Hospital Expenses+
- Max. limit per disability		  $25,000 $17,500 $12,000
In-Hospital Doctor's Visit (Max. limit per day)+
- Max. 90 days per disability		  $1,900 $1,100 $650
Home Nursing* (Max. limit per day)
- Max. no. of days per disability
$500
60
$400
45
$300
30
Post-Hospitalization Treatment
(42 days after discharge from hospital)
- Max. limit per disability		 $3,000 $2,000 $1,000
Hospital Cash
(Subject to Hong Kong SAR Government Public Ward only)
(Max. limit per day)
- Max. 90 days per disability
$900
 $500 $350
Outpatient Kidney Dialysis & Outpatient Cancer Treatment
(Max. limit per year)		 $50,000 $35,000 $25,000
Organ Transplantation# (Max. limit per year)+ $100,000 $60,000 $40,000
Artificial Prosthesis* (Max. limit per year) $5,000 $3,000 $2,000
Additional Optional Cover
 Gold
Plan
Silver
Plan
 Bronze
Plan
(1) Supplementary Major Medical
      Benefits##+
      (Applicable after Hospitalization Benefit is exhausted)
      - Maximum per disability
      - Deductible
      - 80% Reimbursement
 
 
 
$100,000^
$1,000
 
 
 
$75,000^
$1,000
 
 
 
$50,000^
$1,000
(2) Outpatient Benefits (80% or 100% Reimbursement)
(a) Clinical Consultation (Max. limit per day)~
      - Max. 30 visits per year

(b) Chinese Herbalist & Bonesetter (Max. limit per day)~
      - Max. 5 visits per year

(c) Specialist Consultation* (Max. limit per day)~
      - Max. 10 visits per year

(d) Physiotherapy &ChiropracticTreatment*
      (Max. limit per day)~
      - Max. 10 visits per year

(e) X-Ray & Laboratory Expenses*
      - Max. limit per year

(f) Prescribed Drugs & Medicine* (at pharmacy)
     - Max. limit per year
 
$250
 
 
$250


$500



$250



$3,000
 
 
$3,000
 
$200


$200
 
 
$400



$200



$2,000
 
 
$2,000
 
$150

 
$150


$300



$150



$1,000


$1,000
(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.
  • * Recommended or referred by the attending physician.
  • + 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.
  • ∞ Per Surgical Table under the policy.
  • ^ Overseas Overall Limit: 50% of Eligible benefits.
  • # Includes all expenses of operating theatre & materials, anaesthetist, surgeon and hospital service for the transplantation for heart, kidney, liver or bone marrow.
  • ## Not applicable for Organ Transplantation, Outpatient Kidney Dialysis, Outpatient Cancer Treatment, Post-Hospitalization Treatment, Home Nursing and Artificial Prosthesis.
  • ~ Limit to 1 visit per day.
  • All amounts are in Hong Kong Dollars.
 

Eligibility

  • You must be a Hong Kong resident (with Hong Kong Identity Card), aged 18 and below 61 on the first entry.
  • You may also apply to cover your family members for the same plan including your legal spouse aged 18 to 60, 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 15 April 2011 until further notice)

BASIC COVER
Hospitalization Benefits            Gold Plan          Silver Plan        Bronze Plan

Female    Male
 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+*
 
$3,665
$3,505
$3,505
$3,225
$3,035
$4,150
$4,335
$5,745
$5,745
$7,050
$7,050
$9,270
$11,420
$11,420
$13,890
$13,890
 
$3,555
$3,400
$3,400
$3,070
$2,850
$3,665
$3,825
$5,200
$5,200
$6,955
$6,955
$9,250
$11,390
$11,390
$13,805
$13,805
 
$2,960
$2,780
$2,780
$2,625
$2,675
$3,350
$3,510
$4,150
$4,345
$5,720
$6,125
$7,950
$9,930
$10,150
$12,565
$13,110
 
$2,830
$2,705
$2,705
$2,430
$2,380
$2,910
$3,050
$3,640
$3,810
$5,080
$5,440
$7,950
$9,930
$10,150
$12,565
$13,110
 
$1,945
$1,670
$1,670
$1,665
$1,665
$1,945
$2,035
$2,830
$2,890
$3,930
$4,005
$5,495
$6,870
$7,005
$8,860
$9,065
 
$1,890
$1,615
$1,615
$1,550
$1,500
$1,675
$1,755
$2,425
$2,475
$3,420
$3,485
$5,495
$6,870
$7,005
$8,860
$9,065
ADDITIONAL OPTIONAL COVER
(1) Supplementary Major
Medical Benefits		            Gold Plan           Silver Plan       Bronze Plan
Female
   Male
 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+*
 
 $800
$800
$800
$800
$825
$970
$1,000
$1,365
$1,405
$1,705
$1,755
$1,850
$2,260
$2,330
$2,785
$2,925
 
$800
$800
$800
$800
$825
$855
$880
$1,260
$1,300
$1,680
$1,730
$1,850
$2,260
$2,330
$2,785
$2,925
 
$655
$655
$655
$655
$675
$800
$825
$1,075
$1,110
$1,475
$1,520
$1,725
$2,100
$2,165
$2,625
$2,755
 
 $655
$655
$655
$655
$675
$695
$715
$945
$975
$1,315
$1,355
$1,725
$2,100
$2,165
$2,625
$2,755
 
$430
$430
$430
$430
$445
$430
$430
$780
$800
$1,090
$1,125
$1,580
$1,610
$1,660
$2,075
$2,095
 
$430
$430
$430
$430
$445
$430
$430
$780
$800
$1,090
$1,125
$1,580
$1,610
$1,660
$2,075
$2,095
(2) Outpatient Benefits
100% Reimbursement		            Gold Plan          Silver Plan        Bronze Plan
Female
 Male
 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+*
 
$5,050
$4,585
$4,585
$3,975
$3,570
$4,300
$4,430
$4,980
$5,130
$5,920
$6,100
$7,020
$8,425
$8,845
$9,715
$9,900
 
 $5,050
$4,585
$4,725
$3,975
$3,570
$3,720
$3,835
$4,210
$4,335
$5,295
$5,455
$7,020
$8,425
$8,680
$9,430
$9,715
 
$4,350
$3,950
$3,950
$3,365
$2,975
$3,850
$3,965
$4,420
$4,555
$5,045
$5,195
$5,700
$6,845
$7,050
$8,165
$8,410
 
$4,350
$3,950
$4,070
$3,365
$2,975
$3,350
$3,450
$3,715
$3,825
$4,330
$4,460
$5,700
$6,845
$7,050
$8,165
$8,410
 
$3,365
$3,060
$3,060
$2,605
$2,300
$3,170
$3,265
$3,850
$3,965
$4,390
$4,520
$5,045
$6,055
$6,240
$6,900
$7,110
 
$3,365
$3,060
$3,150
$2,605
$2,300
$2,725
$2,810
$3,220
$3,320
$3,850
$3,965
$5,045
$6,055
$6,240
$6,900
$7,110
(2) Outpatient Benefits
80% Reimbursement		            Gold Plan         Silver Plan        Bronze Plan
 Female    Male  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+*
 
$4,640
$4,220
$4,220
$3,655
$3,280
$3,960
$4,075
$4,585
$4,720
$5,450
$5,610
$6,460
$7,750
$8,140
$8,940
$9,110
 
$4,640
$4,220
$4,350
$3,655
$3,280
$3,420
$3,530
$3,875
$3,990
$4,870
$5,020
$6,460
$7,750
$7,985
$8,675
$8,940
 
$4,000
$3,635
$3,635
$3,095
$2,740
$3,540
$3,650
$4,060
$4,190
$4,640
$4,780
$5,245
$6,295
$6,490
$7,515
$7,740
 
$4,000
$3,635
$3,745
$3,095
$2,740
$3,080
$3,175
$3,420
$3,520
$3,985
$4,105
$5,245
$6,295
$6,490
$7,515
$7,740
 
$3,100
$2,820
$2,820
$2,400
$2,110
$2,920
$3,005
$3,540
$3,650
$4,040
$4,160
$4,640
$5,570
$5,740
$6,350
$6,540
 
$3,100
$2,820
$2,900
$2,400
$2,110
$2,510
$2,585
$2,960
$3,055
$3,540
$3,650
$4,640
$5,570
$5,740
$6,350
$6,540
(3) Hospital Cash Benefits
(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 61 or above for Renewal Only.
  • The premiums and benefits 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

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


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