AXA launched “WiseProtect Pro Medical Insurance Plan”

Annual payout limit up to MOP40million and no lifetime benefit limit

Complete cover1 Prescribed medical treatments without waiting time

“Nobel” benefit level offers worldwide2 medical coverage

MACAU SAR – Media OutReach – May 23, 2022 – AXA Hong Kong and Macau (AXA) today announced the launch of WiseProtect Pro Medical Insurance Plan” (“WiseProtect Pro”)providing customers with comprehensive and high-quality protection with medical coverage, including annual benefit limit of up to 40 million MOP, no lifetime benefit limit, full coverage1 for qualified medical treatment and no waiting period. In addition, the premium “Noble” benefit level provides worldwide medical coverage (excluding the US)2 to meet the needs of clients studying abroad or on a business trip.

Three notable features of the WiseProtect Pro are as follows:

1) No lifetime benefit limit; up to MOP40 million annual distribution limit

Given the ever-increasing medical costs, customers at all benefit levels of “WiseProtect Pro” will enjoy coverage with no lifetime benefit limit. The annual distribution limits of the “Regular”, “Enhance” and “Premier” distribution levels are MOP5 million, MOP25 million and MOP30 million respectively. Customers of the ‘Noble’ benefit level enjoy an annual payout limit of up to 40 million MOP. The coverage allows our customers to focus on tackling their health concerns without worrying about running out of benefit cap.

2) “Nobel” benefit level offers worldwide2 medical coverage

By embracing the concept of global citizenship, the premium ‘Noble’ benefit level offers worldwide2 coverage for non-emergency treatment, so that customers can receive high-quality medical protection even when they are abroad. During their hospitalization, policyholders can also receive private nursing from a licensed nurse for a maximum of 30 days per insurance year. Insured persons under the age of 18 who have been hospitalized for at least 5 consecutive days can receive additional financial support up to a maximum of MOP 5,0003† Within 180 days of hospital discharge and on the advice of a physician, the insured customer may also receive additional rehabilitation support up to MOP 80,000 for up to 90 days per policy year, covering the cost of related treatment as per medical advice, in an accredited hospital or a recognized rehabilitation facility.

In addition, all “WiseProtect Pro” customers can enjoy worldwide emergency treatment coverage. Comprehensive protection is available for an insured who is unfortunately involved in an accident while traveling and needs emergency treatment to prevent death, permanent damage or other serious consequences.

3) Up to 180 days outpatient follow-up visits after hospital discharge for major or complex surgical procedures with no claim limit; ffull coverage1 for prescription non-surgical cancer treatments

“WiseProtect Pro” provides immediate and comprehensive protection after the policy has come into effect, with no waiting period. It also provides full coverage1 for prescribed non-surgical cancer treatments and an unlimited number of designated outpatient follow-up claims within 180 days of hospital discharge for major or complex surgical procedures. With the new benefit that covers specific reconstructive surgeries, including post-accident oral and maxillofacial procedures and breast reconstruction surgery, “WiseProtect Pro” can help its clients overcome a variety of health challenges.

In addition, policyholders of the “Enhance” benefit level can enjoy a daily benefit4 of MOP1,000 during their hospitalization in a lower ward class in Hong Kong and Macau, while those of the “Premier” and “Noble” can receive benefit levels of MOP2,000.

A range of additional support services to meet the medical needs of policyholders at all times

In addition, a cashless service within the AXA Signature Network will be available to “WiseProtect Pro” policyholders, saving customers time in handling medical claims. In addition, “WiseProtect Pro” provides a free medical consultation service for policyholders to receive a second medical opinion from doctors through face-to-face meetings. Under “WiseProtect Pro” qualified nurses can be arranged to provide the insured with advice and timely support throughout the recovery process.

Kevin Chor, Chief Life and Health Insurance Officer, AXA Hong Kong and Macausaid, “According to the statistics, total health expenditure increased by an average of 5.6% per year5 over the past 30 years. In view of this, we are pleased to launch ‘WiseProtect Pro’, which will enable our customers to enjoy comprehensive protection with a higher maximum annual benefit with no lifetime benefit limit. The ‘Noble’ benefit level enables the insured to receive medical treatment in most countries and regions worldwide to meet their needs anytime, anywhere. ‘WiseProtect Pro’ underlines our commitment to meet future challenges together with our customers and be their lifelong companion.”

the upgraded “WiseProtect Pro” offers multiple levels of protection. For more information about this product, please visit: https://www.axa.com.mo/en/promotions/

The above information is for reference only. For details on product features, content, conditions and exclusions, please refer to the product brochure, policy terms and promotion brochure.


1 Full Coverage means the actual amount of Eligible Fees and Other Expenses charged after deducting the remaining deductible (if applicable), and is subject to the annual benefit limit and other terms and conditions set out in the product brochure and policy contract .

2 Worldwide excluding US means worldwide excluding US. USA means the United States of America and the small outlying islands of the USA.

3 One claim per insurance year.

4 Maximum 10 days per confinement

5 Information from Hong Kong’s Domestic Healthcare Accounts released by the Food and Health Bureau.

About AXA Hong Kong and Macau

AXA Hong Kong and Macau is a member of the AXA Group, a leading global insurer with a presence in 50 markets and 95 million customers worldwide. Our purpose is to act for human progress by protecting what is important.

As one of the most diversified insurers offering integrated solutions for life, health and general insurance, our goal is to be the insurance and holistic wellness partner for the individuals, companies and communities we serve.

At the heart of our service commitment is continuous product innovation and customer experience enrichment, which is achieved by actively listening to our customers and leveraging technology and digital transformation.

We embrace our responsibility to be a good force to create shared value for our community. We are proud to be the first insurer in Hong Kong and Macau to address the importance of mental health through various products and services, such as offering free mindfulness practice resources through Mind Charger, which is fully accessible to our clients and the public through our holistic wellness platform AXA BetterMe.

AXA also participates in a wide range of ESG initiatives and programs, both globally and locally. AXA Group founded AXA Climate School and Net-Zero Insurance Alliance in 2021 and set several global green goals, such as achieving €26 billion in green investments by 2023 and achieving carbon neutrality by 2025. In Hong Kong, AXA pledges to reduce paper consumption through digitization and is the first insurer to join the Green Monday ESG Coalition. As of February 2022, AXA Hong Kong’s green investments have exceeded HKD4 billion. We strive to contribute to a sustainable future as an investor, insurer and exemplary company.

THIS PRESS RELEASE IS AVAILABLE ON THE AXA WEBSITE: AXA.COM.HK

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Certain statements in this document may be forward-looking statements, including, but not limited to, statements that predict or indicate future events, trends, plans or objectives. Such statements should not be relied upon unduely because by their nature they are subject to known and unknown risks and uncertainties and may be influenced by other factors that could cause AXA’s actual results to differ materially from those expressed or implied in the look forward statements. Please refer to Section 4 – “Risk Factors and Risk Management” of AXA’s Universal Registration Document for the year ended December 31, 2019, for a description of certain significant factors, risks and uncertainties that could affect AXA’s business and/or results of operations. AXA undertakes no obligation to publicly update or revise these forward-looking statements, whether they reflect new information, future events or circumstances or otherwise, except as part of applicable regulatory or legal obligations.

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AXA launched “WiseProtect Pro Medical Insurance Plan”

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