AXA Group Insurance in Hong Kong

AXA Global offers group insurance in Hong Kong for organizations with 1-–150+ people. Groups with 74 people or less use a Core Module of benefits and select their add-ons, groups with 75–-149 people have 4 tiers of coverage to select from and customize, and groups with 150+ develop a custom plan.

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Are you an employer or company director looking for a group insurance provider in Hong Kong? Do you want to know what types of group plans AXA Hong Kong offers?

This Pacific Prime article will detail the tiers of coverage and modules available for each size of group needing insurance. You’ll also learn what makes AXA stand out as one of the best providers of group health insurance in Hong Kong and how Pacific Prime can save you time and money.

You may also find it beneficial to learn how the healthcare system is structured in Hong Kong as you select your coverage plan.

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Hong Kong Group Health Insurance From AXA

Image of Hong Kong Skyline By The Waterfront Under Cloudy Skies with text overlay of "Hong Kong Group Health Insurance From AXA"

AXA group medical coverage in Hong Kong can be divided into three categories according to the size of your organization: 1–74 people, 75–149 people, and 175+ people. While the plans offered to each size of group are unique, they all provide great flexibility, renewability, and reliability.

Let’s dive deeper into what small, medium, and large groups can expect from a partnership with AXA.

AXA Plans for 1–74 People

Global Health Adapt is the group health insurance plan AXA offers to companies and groups in Hong Kong with 1–74 members. Global Health Adapt is an affordable option that allows employers to maximize the value of their money and still offer their workforce reliable medical coverage.

Here are the benefits included in AXA’s Global Health Adapt Core Module that you’ll get no matter what:

Annual maximum limit of either USD $3,200,000 or USD $8,000,000
Hospital fees for inpatient and day patient care
Cancer treatment, including radiotherapy, chemotherapy, and biological therapies
Emergency evacuation and repatriation
Surgery
Ambulance transport
Parental accommodation
Accidental damage to teeth
Inpatient psychiatric treatment

To tailor your medical Global Health Adapt plan, you:

Choose your area of coverage: Include or exclude the United States.
Personalize your plan: Add any additional modules you’d like to the Core Module.
Add an optional excess to reduce your premium: Choose to add an excess to the package, meaning your employees will have to pay a contribution if they have to make any claims.
Decide how frequently you’ll pay premiums: Pick whether to pay premiums monthly, quarterly, or annually (paying annually does save you 5%).

Here are the optional modules employers can choose to make available to their employees and the possible benefit limits for each:

Outpatient Module: USD $5,600, $12,000, $16,000, or Paid in Full
Drugs and Dressing Module*: USD $800, $1,200, $1,600, or $2,000
Health Check Module*: USD $800, $1,200, or $1,600
Pregnancy and Childbirth Module*: USD $10,000, $16,000, $24,000, or Paid in Full
Assisted Fertility Module**: USD $24,000
Upgraded Dental Care Module*: USD $1,600, $3,200, or $5,600
Optical Module*: USD $480

*You must select the outpatient module to have access to this module.

**Requires you to have selected the Pregnancy and Childbirth module limit of either $24,000 or Paid in Full.

AXA Plans for 75–149 People

AXA offers four tiers of health coverage for groups in Hong Kong with 75–149 people: Standard, Comprehensive, Prestige, and Prestige Plus. These group plans for businesses are uniquely tailored to the needs of employees, local Hong Kong regulations, and budget needs.

Not only do these midsized group insurance plans enforce cost controls to prevent your premiums from rising, but they include support from an experienced team, access to manage your plan online, attractive benefits to keep your group’s talent, and consistent global service for traveling expats.

Here are the group medical insurance benefits by AXA that come with every plan no matter what:

Hospital fees for inpatient and day patient care
Cancer treatment, including radiotherapy, chemotherapy, and biological therapies
Emergency evacuation and repatriation
Surgery
Ambulance transport
Parental accommodation
Accidental damage to teeth
Inpatient psychiatric treatment
Virtual Care from AXA
Emergency inpatient and day patient cover everywhere in the world
Medical conditions that start in pregnancy

The following chart highlights many of the benefits included in these midsized group insurance plans for expats and employees in Hong Kong:

AXA Group Insurance Plans in Hong Kong Comparison
Benefits	Standard	Comprehensive	Prestige	Prestige Plus
Hospital Charges and Surgery	✓	✓	✓	✓
Second Medical Opinion	✓	✓	✓	✓
Virtual Doctor Service	✓	✓	✓	✓
Mind Health Service	Optional	Optional	Optional	Optional
Emergency Cover	✓	✓	✓	✓
Medical Evacuation and Repatriation	✓	✓	✓	✓
Wide Range of Cancer Treatments	✓	✓	✓	✓
Ambulance Transport	✓	✓	✓	✓
CT, PET, and MRI Scans	✓	✓	✓	✓
Non-Routine Dental Care	✓	✓	✓	✓
Outpatient Tests, Treatment, and Vaccinations	Optional	Extended Option Available	✓	✓
Outpatient Drugs and Dressings	Optional	✓	✓	✓
Chronic Conditions	Inpatient Only	✓	✓	✓
Eye Tests and Prescription Glasses	✗	✓	✓	✓
Routine Pregnancy Cover	✗	Optional	✓	✓
Annual Health Checks	✓	✓	✓	✓
Annual Plan Limit	$1,600,000	$2,400,000	$3,200,000	$8,000,000

In addition to choosing the plan you get, here are some extra options you get to decide to more fully customize your plan to your groups’ unique needs:

Pre-existing Conditions: There are several ways to cover pre-existing conditions, and the employer can decide among the underwriting styles which best fits the needs of your group.
Unchangeable Premium: After your first year of coverage, if your group claims are less than 75% of your premium, AXA will maintain your existing rates for your first renewal period absolutely guaranteed.
Excess Options: Employers can opt to add excess solutions to your employee’s plans which will require the employees to pay a contribution of their coverage fees, in turn, this will decrease your premium costs.
Tailored Treatment: Employers can decide to increase or decrease coverage allowances for specific groups of employees, making it possible to grant additional coverage for certain employees who need it, while maintaining lower costs for the rest of the group.
Profit Share Options: AXA will pay groups back if their employees’ claims total as less than 75% of their premium costs over the first two years of coverage. AXA will return 50% of the difference between your group’s total claims and 75% of your premium.
Controlling Your Costs: All plans include a stop loss coverage deal which reduces the impact of your group’s high claims on your renewal premium. AXA will ignore your claims when assessing your renewal premium.

AXA Plans for Over 150 People

Groups in Hong Kong who need to cover more than 150 people can select AXA’s simple, reliable, and cost-effective large-business plan. This comprehensive international health insurance package is a global solution with in-country adaptations and expertise for large corporations.

Because the needs of such a large group can have greater variety, you’ll need to contact AXA to customize this plan to your individual group’s needs. If you’d like assistance contacting AXA, you can use our Pacific Prime team of experts as intermediaries to secure the best deal possible.

Here are some of the features of AXA’s large group health insurance packages for companies in Hong Kong:

Catered Coverage: Coverage that caters to the unique, modern needs of living in Hong Kong
Multilingual Support: Access to a multilingual service team 24/7
Regular Reports: Regular, clear, comprehensive reports that analyze the performance of your health plan
Cost Control: An active fraud and cost team that ensures your package remains good for the value of your money in an ever-changing market
Prior Provider Match: If you’re switching from a different provider, we will do all we can whenever possible to match the current benefits your employees receive and/or exceed them
Anytime, Anywhere: 24/7 health advice and support through virtual doctor appointments and access to fast treatment to keep your group healthy and able to perform at their best
Worldwide Network: A network of medical professionals in 176 countries and over 1.9 million hospitals and health facilities worldwide
Second Medical Opinion: Coverage for a consultation from a second medical opinion
Emergency Evacuation: Coverage for emergency medical evacuation, and we won’t let these claims affect your package
Mental Health Benefits: Optional add-on of our Mind Health Service to access a qualified psychologist
Cancer Support: If someone on your team is diagnosed with cancer, a case manager will manage all their treatment and claims processes
Local Regulations: Expertly designed to meet the local regulations of Hong Kong

What Makes AXA an Excellent Group Insurance Provider

AXA is a reliable, experienced, professional provider groups in Hong Kong can count on. Selecting AXA as your group health insurance provider grants peace of mind because they help you keep your team at their best, return 81% of claims in just 2 days, and can attract new talent to your company.

With AXA, you know you’re getting a provider who:

Has more than 55 years of experience in the industry
Serves more than 95 million clients
Has an AXA Hong Kong and Macau subsidiary dedicated to the region you need
Returns claims in just 2 days
Offers top-tier maternity coverage for the international market
Can customize their coverage to the needs and size of your group

Start comparing AXA plans and quotes today!

How a Broker Can Help Your Group Get Insurance in Hong Kong

Groups who purchase their insurance plans through a broker instead of directly from the insurance company can save time and money. Brokers save you time by aiding in the research and comparison process, and they save you money by using their market knowledge to find you the best deals available.

Here are some benefits groups get from using an insurance broker:

You get access to more insurance choices.
You get experienced insurance experts researching your situation for you.
You get access to the most cost-effective plans available.
You get assistance when submitting claims for reimbursement.
You get expert advice designed to help you find the right plan for you, not to be led to the plan an insurance agent wants you to choose.

There are many more benefits to using a broker, and Pacific Prime is your broker of choice. Let us help you find the right Hong Kong insurance plan for your budget and needs. Contact us to learn more!

If you’re not sure the difference between an insurance broker and an insurance agent, read our article that explains it.

Frequently Asked Questions

What types of group health insurance does AXA offer in Hong Kong?

AXA Hong Kong provides a range of group health insurance solutions for businesses of all sizes, including Standard Group Medical Plans that cover hospitalization, outpatient services, and surgical expenses and Global and Regional Coverage Options for international or traveling employees.

Can I customize my AXA group health plan to meet my employees’ needs?

AXA offers highly flexible plans that allow employers to customize coverage based on their employees’ demographics, preferences, and needs. Options include coverage levels for inpatient and outpatient care, benefits like wellness programs and mental health support, and to include/exclude dependents.

How does AXA help with claims management and employee support?

AXA simplifies claims management and enhances employee experience through their digital claims platform that lets employees submit claims via the Emma by AXA app, cashless direct billing, 24/7 customer support with claims, inquiries or emergencies, and telemedicine services for doctor consultations.

What wellness initiatives does AXA provide for employees?

AXA goes beyond basic medical coverage by offering wellness programs like health workshops, fitness incentives, and annual check-ups to promote a healthy workforce, mental health support through Employee Assistance Programs (EAPs) and counselling, second medical opinion coverage and preventive care.

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Conclusion

We’ve now gone over the various medical insurance plans AXA offers groups in Hong Kong. Depending on the size of your group or company, you should have a much better idea of your AXA options.

To talk to one of our broker experts about which plan is right for you, contact us online or call us at 1-800-868-1451.

To begin comparing plans and quotes, use our online quote generator.

If you’re not sure if AXA is right for you, you may consider getting group medical insurance from APRIL International or Bupa Global.

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Author
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Serena Fung

Head of Content at Pacific Prime

Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).

Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.