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Smiling nurse holding medical recourd in examination room; image used for AXA GI WiseGuard Medical Insurance Plan.

VHIS: AXA GI WiseGuard Medical Insurance Plan

VHIS standard plan certification no: S00038-01-000-01

We understand a healthy-living journey is most important to you and we care about you. With AXA GI WiseGuard Medical Insurance Plan, we want to offer you a medical plan that covers your essential medical needs.

Key features

  • The plan is a Voluntary Health Insurance Scheme (VHIS) certified by the Food and Health Bureau of Hong Kong
  • The plan provides medical coverage with no lifetime benefit limit
  • And even with claims, guaranteed renewal up to age 1001
  • Covers pre-existing conditions that you were not aware of at the time you applied for your policy
  • Covers local psychiatric treatment
  • Cashless arrangements for Oesophagogastroduodenoscopy and/or Colonoscopy
  • The plan is certified under VHIS, which means eligible for tax deduction2 of up to HK$8,000 per insured person

For more details, refer to our Policy Provision document [PDF, 423KB]

You can contact the VHIS Office of the Food and Health Bureau on:

  • VHIS Product Availability
  • Compliance with VHIS code of practice

For Tax deduction, you can contact the Inland Revenue Department 

For general conduct of insurance companies and intermediaries, you can contact the Insurance Authority  

Manage your policy

Manage your policy online

Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.

Make a claim

Sometimes life doesn’t go according to plan and you’ll want to make an insurance claim as soon as possible.


You may submit a claim online anytime or call our claims hotline on (852) 2867 8678 should you require any help.

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The above information is intended as a general summary. For more details, please refer to the policy terms and conditions.

General insurance products are applicable to HSBC account holders and HSBC credit card holders only.

The above policy is underwritten by AXA General Insurance Hong Kong Limited ("AXA"), which is authorised and regulated by the Insurance Authority of the Hong Kong SAR. AXA will be responsible for providing your insurance coverage and handling claims under your policy. The Hongkong and Shanghai Banking Corporation Limited is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent of AXA for distribution of general insurance products in the Hong Kong SAR.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction by HSBC, HSBC will enter into a Financial Dispute Resolution Scheme process with you. On the other hand, for any disputes over the terms and conditions of your policy, AXA will resolve with you directly.

For more information, please contact AXA General Insurance Hotline (852) 2867 8678.


End Notes

1 Subject to the terms and benefits of the policy contract, you have a guaranteed right to renew the policy by making payment of the prevailing premium on each renewal date.

2 For more tax information, please refer to or seek independent tax advice.