This product is issued and managed by AXA Tianping Property & Casualty Insurance Co., Ltd. HSBC, as the third-party distribution agency, assumes no responsibility for investment returns, payments or risk management of the product.
With an annual maximum coverage of RMB28 million, AXATP “SmartCare Elite” Individual Health Insurance provides a total solution, providing you high quality healthcare coupled with an easy claims processing service.
Key features
- Flexible choice of medical services across multiple geographic locations
- Direct billing service for both Inpatients and Outpatients
- 24-hour emergency assistance service
- Highly inclusive International medical cover
Contact us
(24 H, Mon - Sun)
Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan
Summary of cover
What’s included?
- Inpatient coverage: Covers hospitalisation for day surgery / treatments or longer stays, when the insured person sustains an injury or suffers from an illness or medical emergency.
- Outpatient coverage: Covers the insured person for outpatient services
- Dental coverage: Covers insured person for dental treatments like dentures, routine checkups and cleaning etc.
- Maternity coverage: Covers the insured person for standard childbirth, prenatal complications, antenatal examinations and postnatal check-up
- Medical examination coverage: Medical costs reimbursed for preventive treatment including routine physical check-ups, health screening, or vaccinations.
- Expensive medical services: The insured person can decide whether to include cover for expensive medical services or providers into the healthcare plan
The above information is for reference use only. If there are discrepancies between the website and the Policy contract, the information in the Policy contract will prevail.
Additional benefits
More help when you need it.
When the unexpected happens, this policy can offer you more support with additional benefits.
- Emergency dental care
- Emergency medical service
- 24-hour rescue service
The above information is for reference use only. If there are discrepancies between the website and the Policy contract, the information in the Policy contract will prevail.
Excluded liabilities
What's excluded?
- Pre-existing medical conditions
- Illness related to sexually transmitted disease (STD) and HIV
- Suicide or attempted suicide(s)
- Injuries which result from a violation, or attempted violation of the law or such as arrest or attempted arrest
The above information is for reference use only. If there are discrepancies between the website and the Policy contract, the information in the Policy contract will prevail.
Product documents
Learn more about our Terms and Agreements from below Policy Contract.
Eligibility
Application eligibility
- Adults from 18 to 74 years old
- Children from 15 days to 18 years old
- Live, study or work in the regions where AXATP has a business license
- Please inform the insurance company immediately if you stop living in mainland China for a period of three consecutive months
Case study
Example 1
Ms Wang is 28 and recently married, with plans to have a baby. She has chosen the China Diamond plan.
Coverage option 1: Inpatient + outpatient + maternity
With an annual premium of RMB39,627, Ms Wang's entitled to yearly inpatient coverage of up to RMB13 million, outpatient coverage of up to RMB45,000, and maternity protection of up to RMB80,000.
Coverage option 2: Inpatient + Outpatient + Dental + Maternity
With an annual premium of RMB42,476, she's entitled to yearly inpatient coverage of up to RMB13 million, outpatient coverage of up to RMB45,000, dental coverage of up to RMB5,000, and maternity protection of up to RMB80,000.
Example 2
31-year-old Ms Chen has selected the China Platinum plan for her 2-year-old son and herself.
Coverage option 1: Inpatient + outpatient
With an annual premium of RMB36,284 (inclusive of a 5% family discount for 2-person coverage), Ms Chen and her baby are each entitled to yearly inpatient coverage of up to RMB13 million and outpatient coverage of up to RMB45,000.
Coverage option 2: Inpatient + outpatient + dental
With an annual premium of RMB41,698 (inclusive of a 5% family discount for 2-person coverage), she and her baby are each entitled to yearly inpatient coverage of up to RMB13 million, outpatient coverage of up to RMB45,000 and dental protection of up to RMB5,000.
Example 3
Mr Ian Thomas is a 35-year-old expat working in China who frequently travels abroad. He has opted for the International Diamond plan (coverage excluding the US).
Coverage option 1: Inpatient
With an annual premium of USD1,929, Mr Thomas is entitled to worldwide inpatient coverage of up to RMB20 million every year, excluding coverage in the US.
Coverage option 2: Inpatient + outpatient
With an annual premium of USD4,818, his worldwide insurance benefits include yearly inpatient coverage of up to RMB20 million and outpatient coverage of up to RMB90,000, excluding coverage in the US.
Coverage option 3: Inpatient + outpatient + dental
With an annual premium of USD5,485, his worldwide insurance benefits include yearly inpatient cover of up to RMB20 million, outpatient coverage of up to RMB90,000 and dental protection of up to RMB8,000, excluding coverage in the US.
Example 4
Mr Cao, a 40-year-old senior executive of an international trading company, and his 38-year-old wife, have a 10-year-old daughter. He often travels overseas for business trips. He has chosen the Worldwide plan.
Coverage option 1: Inpatient
With an annual premium of RMB57,062 (inclusive of a 10% family discount for 3-person coverage), the global medical coverage for Mr and Mrs Cao, and their daughter includes yearly inpatient coverage of up to RMB28 million for each of them.
Coverage option 2: Inpatient + outpatient
With an annual premium of RMB129,644 (inclusive of a 10% family discount for 3-person coverage), the global medical coverage for Mr and Mrs Cao, and their daughter includes yearly inpatient coverage of up to RMB28 million and outpatient coverage of up to RMB180,000 for each of them.
Coverage option 3: Inpatient + outpatient + dental
With an annual premium of RMB144,585 (inclusive of a 10% family discount for 3-person coverage), the global medical coverage for Mr and Mrs Cao, and their daughter includes yearly inpatient cover of up to RMB28 million, outpatient coverage of up to RMB180,000, and dental protection of up to RMB10,000 for each of them.
Information on the insurance company
Profile of the insurance company
- AXATP was established by the merger between Tian Ping Auto Insurance Company Limited, the first company in China specialising in auto-insurance, and the wholly-owned China subsidiary of the largest global insurance group.
- The headquarters of AXATP is located in Shanghai Lujiazui financial district with a registered capital of RMB864 million.
Contact information of the insurance company
- 95550
- www.axatp.com