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WiseGuard Pro Medical Insurance Plan
Government-authorised VHIS Flexi Plan. Full coverage for General Ward, HK$5,000,000 Annual Benefit Limit and Unlimited Lifetime Aggregate Benefit Limit.
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Information shown is for reference. Actual premiums and promotions depend on individual status.
Key Figures
Key Figures
HK$5M annual benefit limit and unlimited lifetime aggregate limit, delivering full General Ward cover at affordable premiums.
Annual Benefit Limit
HK$5,000,000
Lifetime Benefit Limit
Unlimited
Entry Age
14 days – 80 years old
Renewable up to
100 years
全面保障項目
- 住院食宿、手術費、醫生費、深切治療部（ICU）
- 門診洗腎：全數額支付
- 精神科住院：每年 3 萬港元（港澳）
- 未知舊疾：首年起按比例賠，逐年遞增至 100%
- VHIS 稅務扣減：每人每年最高 8,000 港幣
- 癌症治療：化療、電療、標靶、免疫療法
- 入院前 30 天、出院後 90 天門診；手術後 180 天內門診
- 8 歲後先天性疾病納入保障
- 全球緊急醫療撤離 / 遣返（最高 100 萬美元）
- 免費調整自付額，無需重新核保
Highlights
Product Benefits
From full reimbursement for General Ward stays to cancer treatment, it delivers a cost-effective medical safety net.
Full cover for General Ward hospitalisation and dialysis.
100% cover for hospital accommodation, surgery, ICU and anaesthesia fees, with no sub-limits. Outpatient dialysis costs are fully reimbursed for solid foundational protection.
Full coverage for cancer treatment
Full reimbursement applies to chemotherapy, radiotherapy, targeted therapy, immunotherapy and hormone therapy. Advanced proton therapy is also included to serve as your robust support in cancer treatment.
Flexible Deductible Options and Coverage for Unknown Pre-existing Conditions
It offers deductible options of HK$0 / HK$15,000 / HK$25,000 with deductible reduction available without further underwriting. For unknown pre-existing conditions, proportional reimbursement is payable starting from the first policy year, rising gradually to 100% full reimbursement year by year.
Complete Pre & Post-hospitalisation Outpatient and Extended Protection
Covers outpatient follow-up from 30 days before admission up to a maximum of 180 days after surgery or discharge. Coverage is further extended to congenital conditions occurring after age 8, and annual psychiatric hospitalisation expenses in Hong Kong and Macau up to HK$30,000.
Global Emergency Assistance and Cashless Settlement
It provides global emergency medical evacuation and repatriation services up to USD1,000,000. Coupled with convenient online claims submission and cashless settlement for medical expenses, you may receive medical treatment with peace of mind.
VHIS Tax Deduction and No-Claim Bonus
As a Government-authorised VHIS plan, it offers an annual tax deduction of up to HK$8,000 per person. It also provides a no-claim renewal discount and complimentary health check reward.
Premium Reference
保費參考
以下為香港普通房、2.5 萬自付額之參考保費，實際保費以核保結果為準。
40 歲男（普通房，2.5 萬自付額）
約 HK$ 8,500 / 年
40 歲女（普通房，2.5 萬自付額）
約 HK$ 9,500 / 年
兒童（0–18 歲）
約 HK$ 9,500 / 年
* 比信諾優越（半私家）平約 30%，性價比高；自付額越高，保費越便宜。
Product Comparison
安盛智尊守慧（標準） VS 信諾靈活（優越）
同屬頂級 VHIS 認可醫療險，根據病房偏好與預算選擇最適合的方案。
| 比較項目 | 安盛智尊守慧（標準） | 信諾 靈活計劃（優越） |
|---|---|---|
| 病房級別 | 普通房 | 半私家房 |
| 年度限額 | 500 萬港元 | 3,000 萬港元 |
| 終身限額 | 無上限 | 無上限 |
| 內地醫院 | 三甲普通病房 | 三甲半私家 / 國際部 |
| 癌症治療 | 全數額 | 全數額 |
| 未知舊疾 | 首年按比例賠 | 首年 100% 賠 |
| 保費（40 歲） | 約 8,500–9,500 / 年 | 約 1.2 萬–1.3 萬 / 年 |
* 安盛標準：普通房、平價、500 萬額度、保障全、性價比高；信諾優越：半私家、高額（3000 萬）、內地國際部、舊疾賠得快。
Who It's For
Suitable and Unsuitable Client Profiles
Evaluate the suitability of this product against your financial plan and risk preference.
Highly Suitable Clients
- Looking for VHIS tax deduction benefits with a limited budget, while requiring full hospitalisation and cancer treatment coverage.
- Prefers General Ward and does not require semi-private ward premium accommodation.
- Frequently travels between Hong Kong and Mainland China for medical treatment at General Wards of Class A Tertiary Hospitals.
- Values unlimited lifetime benefit limit and coverage for unknown pre-existing conditions.
- Already covered by group insurance and seeking supplementary protection for high-value hospitalisation and cancer risks.
Not Recommended Clients
- Looking for a policy that includes death payout and savings components (this is a standalone medical plan).
- Only needs low-limit outpatient cover (the plan focuses on hospitalisation and surgery benefits).
- Applicants with known pre-existing conditions at the time of application (pre-existing conditions are not covered).
- Unwilling to pay the annual deductible before claims can be triggered.
- Looking for semi-private or private ward benefits (Premier plan upgrade needed).