AXA GI WiseGuard Medical Insurance Plan

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Select AXA WiseGuard on the claims page and follow its claim-form/document instructions.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: The selected medical route lists Hospitalisation Form I and doctor-completed Form II; keep originals for 6 months after completion.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Medical instructions: within 90 days of discharge or completed service; confirm against your WiseGuard policy.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: Emma by AXA, post or financial consultant, subject to the selected plan’s eligibility.Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Processing within 7 working days once all required documents arrive; this does not promise a payment date.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026

VHIS plan type: Standard PlanPublic source · Checked: 13 Oct 2026