Skip to content
港險通Hong Kong Insurance Connect
Ask a broker

Information, not advice; we refer to a licensed Hong Kong broker.

AXA VHIS plans compared

Compare 2 products sharing AXA / VHIS medical: currencies HKD/USD, premium-payment options Renewable, issue-age span 14 days to 80 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

Ask a licensed Hong Kong broker for a free comparison of suitable plans

Last checked

Years 2021–2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

How complete is this VHIS list and how do I check an intermediary?

The official list contains 33 standard and 70 flexi plan/provider entries (103 total), covering 579 certification/version/option records. These are different counting units. Currency lists are subsets of the total across currencies; the same plan may appear in both.

Inclusion is not evidence of availability for new applications. The lists include renewal-only and unavailable plans, and deregistered VHIS providers. Match the offering legal entity and full certification number to the policy version; check the product's sourced availability notes. The Liberty series landing record is an umbrella, excluded from these individual-plan counts.

Where can I find a neutral list of VHIS plans and verify a licensed broker?

Use the Health Bureau’s certified-plan lists and our source-backed VHIS comparison pages to browse plans in alphabetical order. Certification records are not recommendations or proof of current availability. Check the broker firm and the person advising you in the IA public register; residence eligibility, underwriting and the permitted signing process need separate confirmation. [V3, V6]

Browse VHIS comparisons and check the certification version, deductible, exclusions, territorial cover and renewal-only notes against the official list. [V3, V5] Our licence verification guide explains independent register and contact checks. This site provides information and referrals to a licensed Hong Kong broker; individual advice belongs with the licensed intermediary. Mainland visitors must sign in Hong Kong. [V6]

[V3][V5][V5][V6]

Insurers (33)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 2 / 2

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisRecorded featuresVHIS plan typePublished key exclusions (not exhaustive)
AXA WiseGuard Medical Insurance PlanAXAVHIS medical Source1HKD Source2Source3Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed. Source2Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed. Source214 days to 80 years / Age basis: Age last birthday Source2VHIS standard plan listed by the Health Bureau; check the certification number and selected option. Source1Standard Plan Source1
  • Treatments, procedures, medications, tests or services that are not medically necessary.
  • Confinement solely for diagnostic procedures or allied health services, unless a doctor recommends it as medically necessary.
  • HIV and related illness contracted before the policy effective date.
Show all 4
  • Examples only; full policy terms and exceptions apply.
Source4
Smart MedicareAXAVHIS medical Source5HKD / USD Source6Source7Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed. Source6Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed. Source614 days to 80 years / Age basis: Age last birthday Source6VHIS flexi plan listed by the Health Bureau; check the certification number and selected option. Source5Flexi Plan Source5
  • Treatments, procedures, medications, tests or services that are not medically necessary.
  • Confinement solely for diagnostic procedures or allied health services, unless a doctor recommends it as medically necessary.
  • HIV and related illness contracted before the policy effective date.
Show all 4
  • Examples only; full policy terms and exceptions apply.
Source8

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsAXA WiseGuard Medical Insurance PlanSmart Medicare
What it pays and when
  • Benefit term: Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed.
  • Recorded features: VHIS standard plan listed by the Health Bureau; check the certification number and selected option.
Public source · Checked Public source · Checked
  • Benefit term: Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed.
  • Recorded features: VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.
Public source · Checked Public source · Checked
Benefit limitsnot yet checkednot yet checked
Guaranteed / non-guaranteednot yet checkednot yet checked
Waiting periodsnot yet checkednot yet checked
Main exclusions
  • Published key exclusions (not exhaustive): Treatments, procedures, medications, tests or services that are not medically necessary.
  • Published key exclusions (not exhaustive): Confinement solely for diagnostic procedures or allied health services, unless a doctor recommends it as medically necessary.
  • Published key exclusions (not exhaustive): HIV and related illness contracted before the policy effective date.
Show all 4
  • Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.
Public source · Checked
  • Published key exclusions (not exhaustive): Treatments, procedures, medications, tests or services that are not medically necessary.
  • Published key exclusions (not exhaustive): Confinement solely for diagnostic procedures or allied health services, unless a doctor recommends it as medically necessary.
  • Published key exclusions (not exhaustive): HIV and related illness contracted before the policy effective date.
Show all 4
  • Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.
Public source · Checked
Deductibles / room / renewalVHIS plan type: Standard PlanPublic source · Checked VHIS plan type: Flexi PlanPublic source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesAXA WiseGuard Medical Insurance PlanAXA WiseGuard Medical Insurance PlanSmart MedicareSmart MedicareWhat it pays and whenWhat it pays and whenBenefit term: Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed. · Recorded features: VHIS standard plan listed by the Health Bureau; check the certification number and selected option.Benefit term: Renewable / …Benefit term: Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed. · Recorded features: VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.Benefit term: Renewable / …Benefit limitsBenefit limitsnot yet checkednot yet checkednot yet checkednot yet checkedGuaranteed / non-guaranteedGuaranteed / non-guarantee…not yet checkednot yet checkednot yet checkednot yet checkedWaiting periodsWaiting periodsnot yet checkednot yet checkednot yet checkednot yet checkedMain exclusionsMain exclusionsPublished key exclusions (not exhaustive): Treatments, procedures, medications, tests or services that are not medically necessary. · Published key exclusions (not exhaustive): Confinement solely for diagnostic procedures or allied health services, unless a doctor recommends it as medically necessary. · Published key exclusions (not exhaustive): HIV and related illness contracted before the policy effective date. · Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.Published key exclusions (…Published key exclusions (not exhaustive): Treatments, procedures, medications, tests or services that are not medically necessary. · Published key exclusions (not exhaustive): Confinement solely for diagnostic procedures or allied health services, unless a doctor recommends it as medically necessary. · Published key exclusions (not exhaustive): HIV and related illness contracted before the policy effective date. · Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.Published key exclusions (…Deductibles / room / renewalDeductibles / room / renew…VHIS plan type: Standard PlanVHIS plan type: Standard P…VHIS plan type: Flexi PlanVHIS plan type: Flexi Plan
A–Z (2)

Products

Comparison groups

Comparison groups

Ask a licensed Hong Kong broker for a free comparison of suitable plans
Sources & verification dates

Sources & verification dates

Checked:

  1. Health Bureau — certified plan identity, currencies and availability

    Source date: Not confirmed

  2. Health Bureau — certified plan identity, currencies and availability

    Source date: Not confirmed

Checked:

  1. Official brochure — plan summary: terms, issue age and currency; PDF page 5; HPPM 800-RDE

    Source date: Not confirmed / Page: 5

  2. Health Bureau certified standard plan list — plan date ; currencies; not renewal-only

    Source date:

  3. Official brochure — key exclusions; PDF page 9; HPPM 800-RDE

    Source date: Not confirmed / Page: 9

  4. Official brochure — plan summary: terms, issue age and currency; PDF page 7; HPPM 801-RDE

    Source date: Not confirmed / Page: 7

  5. Health Bureau certified flexi plan list — plan date ; currencies; not renewal-only

    Source date:

  6. Official brochure — key exclusions; PDF page 12; HPPM 801-RDE

    Source date: Not confirmed / Page: 12

Information, not advice; we refer to a licensed Hong Kong broker.

Enquiry form