AXA rolls out first-in-market surgical insurance SurgiCare

One out of three people in Hong Kong has undergone surgery in his/her lifetime.

AXA Hong Kong has launched a first-in-market surgical insurance Surgicare based on the four levels under the existing Voluntary Health Insurance Scheme (VHIS) schedule of surgical procedures – minor, intermediate, major, and complex, to provide comprehensive coverage for over 450 types of surgery. 

SurgiCare offers lump-sum benefits up to 100% of the sum insured for complex surgeries and 30% for major surgeries. It also offers an unlimited number of claims with a lump-sum payout of HK$2,500 and HK$6,000 for each of the covered minor and intermediate surgeries, respectively.

Under SurgiCare, customers can have a lump-sum benefit whenever a surgical procedure is medically necessary and covered by the VHIS. The insurance plan also offers support to non-medical daily and additional expenses incurred during the recovery journey, which serves as a great supplement to customers' existing medical insurance plans that can only cover the medical bills.

SurgiCare’s premium starts at HK$10 per day, and its premium will not be affected by medical inflation.