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

HSBC Premier customers

HSBC Advance customers

Other customers

400-820-3090

Please dial China country code +86 if you are calling from overseas

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

Read more about the features of this product and see how it can benefit you and your family, as well as details on how to apply.

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

Frequently asked questions

  1. The above information is for reference only,  does not and should not be deemed as an offer, solicitation, advice, endorsement or recommendation to purchase all or part of the above products, services or security. If you plan to make any purchase of the above products, please ask the Bank for relevant information covering all the rights and obligations. Please pay attention to important regulations regarding excluded liabilities, fees charged from insurance withdrawals, cash values or cooling-off period. All the information relating to the products, the rights and obligations, shall be subject to the product documents.
  2. The above information is provided by relevant insurance companies. HSBC China (or the Bank) has not participate in the preparation of the above information. Whilst every care has been taken in preparing the information above, the bank makes no guarantee, representation, warranty  or assurance as to the accuracy, completeness and/or integrity of the above information.
  3. All the insurance products mentioned on this site are designated, issued and managed by the relevant insurance companies. The Bank, as an insurance agent for the distribution of the relevant insurance products, does not assume any responsibility for the underwriting, policy cancellation, claims, investments, settlements, payments and/or risk management.
  4. If there are any discrepancies between the Chinese and English versions on this website, the information contained in the Chinese version will prevail.