1

PortaProtection

PortaProtection allows existing members of AXA group

medical insurance schemes1, and their dependents or

immediate family to continue enjoying peace of mind from a

comprehensive medical protection plan2. The plan features

lifetime coverage and worldwide protection. Existing

members of our group medical insurance schemes can

enjoy guaranteed acceptance and no underwriting is

required when applying for PortaProtection. So feel free to

enhance coverage for yourself and your family to suit

different needs.

2

Continuity of your existing group medical benefits Whether you are moving from one employer to another or planning to retire, you will still be

able to maintain the comprehensive medical coverage which you used to enjoy.

No underwriting is required3 and guaranteed acceptance4,5

Any existing members of our group medical insurance schemes from 15 days old up to age 64

can enjoy guaranteed acceptance, with no requirement for a medical questionnaire or

screening

Coverage for pre-existing conditions6

Unlike most other individual health insurance plans, PortaProtection covers pre-existing

conditions for any existing members of our group medical insurance schemes who have been

continuously insured for at least 12 consecutive months either under our group medical

insurance schemes or PortaProtection .

Lifelong protection and guaranteed renewal You will enjoy lifetime guaranteed annual renewal of your PortaProtection irrespective of your

health condition. Be rest assured that wherever life takes you, you will continue to benefit

from comprehensive medical protection

3

Medical protection on the move

Comprehensive reimbursement of medical expenses7

PortaProtection enables you to obtain the medical treatment of your choice by providing you

with comprehensive reimbursement protection of actual medical expenses, including hospital

room & board, intensive care, surgery, hospital expenses and outpatient surgery, etc.

Design your own medical plan with flexibility7 Select 1 out of 9 different levels of hospital and surgical benefits, either traditional or lump

sum

Enjoy free top-up cancer/dialysis treatment with protection corresponding to the hospital and

surgical benefits level you have chosen

Optional out-patient benefits with 4 different levels for you to choose from

4

Medical protection on the move

PortaProtection at a glance

5

Existing members of our group

medical insurance schemes

members of our group medical

insurance schemes

Non-existing members of our group

medical insurance schemes

Benefit period Whole of life

Issue age 15 days old – 64 years old

Eligibility

(subject to the

conditions stated in

section “Enrolment

Guidelines” below)

Under age 65

15 days old - 64 years old, and

dependents8 or immediate family

including spouse, child(ren), parents

and siblings of existing members of

our group medical insurance schemes

Nationality Policyholders must be holders of Hong Kong identity cards at the time of

application

Policy renewability Guaranteed renewal

Premium structure Yearly adjusted based on attained age

Effective date for

coverage

The first day of a month 9, 10

Enrolment Guidelines

6

Can be submitted at any time

Must be submitted either:

within 30 days after joining our

group medical insurance scheme;

or

within 30 days after policy

anniversary date of our group

medical insurance scheme11 ; or

within 30 days prior to the

termination of their membership12

in our group medical insurance

scheme

Existing members of our

group medical insurance

schemes

Non-existing members

of our group medical

insurance schemes

Remarks

1. Group medical insurance scheme(s) refer to selected group medical insurance schemes provided by AXA General

Insurance Hong Kong Limited or AXA China Region Insurance Company Limited.

2. Subject to age limitation and eligibility. Please refer to sections “PortaProtection at a glance” and “Enrollment Guidelines”

of this leaflet for details.

3. No underwriting is required for eligible existing group medical insurance members who can enjoy guaranteed acceptance.

Health declaration is required for eligible non-existing group medical insurance members and subject to underwriting

approval. Exclusions may apply.

4. Application will not be accepted if any applicant has cancelled a PortaProtection policy previously.

5. Premium rates are not guaranteed. AXA reserves the right to review and adjust the premium rates across each particular

risk classes on each policy anniversary of PortaProtection Policy.

6. Except for any exclusions relevant to existing members stated under our group medical insurance schemes or the

PortaProtection plan

7. Please refer to sections “Traditional Hospital and Surgical Benefits”, “Lump Sum Hospital and Surgical Benefits”, “Free

Top Up Cancer/Dialysis Treatment” and “Out-patient Benefits” of this leaflet for details.

8. Dependent children aged from 15 days to 17 years old must apply together with their parent.

9. The effective date for coverage under PortaProtection will be the first day of a month. In the event an application is not

submitted on the first day of the month, the effective date for coverage under PortaProtection will be the first day of the

following month. Likewise, if the member’s last day of coverage in our group medical insurance scheme is not the last

day of a month, the effective date for PortaProtection will be the first day of the month in which the membership is

terminated in our group medical scheme in order to ensure continuous coverage

10. If the applicant happens to be hospitalised before the day the benefit would otherwise become effective, his/her

PortaProtection benefits will only commence on the first day after he/she is discharged from the hospital.

11. Subject to the successful renewal of the group medical insurance scheme for at least 1 year

12. Such termination of membership cannot be a result of non-renewal of our group medical insurance schemes.

7

Traditional Hospital & Surgical Benefit - 1

8

9

Traditional Hospital & Surgical Benefit - 2

Lump Sum Hospital & Surgical Benefit

10

Free Top Up Cancer/Dialysis Treatment

11

Free Top up Cancer / Renal Dialysis Treatment in lump sum

coverage (Apply to In-patient & Out-patient settings)

Chemotherapy treatment or radiotherapy treatment or rental

dialysis treatment performed in outpatient setting shall also be

covered

Insured Person needs to receive chemotherapy / radiotherapy /

renal dialysis treatment & his traditional or lump sum benefits

have been exhausted, the Company will pay this top up benefit up

to the limits, or maximums

Out-patient Benefits (Optional Plan)

12

Annual Premium – 10% discounted

13

Monthly Premium

14

Brothers , their Spouse & Child

Apply in one application & in same plan

Can apply at any time subject to corporate

member is in-force

Subject to Underwriting

Eligibility illustration

Brothers , their

Spouse & Child

Sisters, their

Spouse & Child

Spouse & Child

Parents

Corporate

Members

Parents

Apply in one application & in same plan

Can apply at any time subject to corporate

member is in-force

Subject to Underwriting

Sisters, their Spouse & Child

Apply in one application & in same plan

Can apply at any time subject to corporate

member is in-force

Subject to Underwriting

Spouse & Child of Corporate Members:

Dependent child (below 18 years old) should apply in

one application & in same plan with one parent

If they are corporate members: They can apply (i) with 30 days after they join the AXA

group medical scheme; (ii) 30 days after policy

anniversary date before age 65; (iii) 30 days before

cease employment.

If they are non-corporate members:

Can apply at any time subject to corporate member is

in-force

Subject to Underwriting

Eligibility illustration - Newly Join Member

Sep 15

30 days

Member

Join date

Jul 1

30 days

Enrollment Period

Oct 15

Group Medical

Policy Anniversary date

Nov 1

Effective date: Oct or

Nov 1

Eligibility illustration - Resignation / retirement

Group Medical

Policy Anniversary date

Jul 1

30 days

Jul 30

30 days

Member

Last employment date

Jul 1

Enrollment Period

Nov 15

Effective

date: Nov 1

If the member’s last day of coverage in our group medical scheme is not the last day

of a month, the effective date will be the 1st day of the month in which the membership

is terminated in our group medical scheme in order to ensure continuous coverage.

Oct 15

Eligibility illustration - Age 65

Jul 1

Enrollment Period

Dec 15

Group Medical

Policy Anniversary date

Not

accepted

Nov 15

Member must be under age 65 at the effective date in order to ensure continuous

coverage.

Effective date: Nov 1

or Dec 1

30 days

Age 65

Birthday