AXA Hong Kong Insurance in 2026

AXA offers five international health insurance plans for expats living or working in Hong Kong. These plans all include coverage for emergency care, evacuation and repatriation, virtual doctor services, and more. Annual plan limits range from USD $160,000 to USD $8,000,000.

AXA Global is a leading international insurance provider that serves more than 90 million clients in over 50 countries, including Hong Kong. Are you an expat or traveler in Hong Kong interested in learning if AXA is the right insurer for you?

This article will introduce the insurance plans and coverage benefits offered in Hong Kong by AXA. We’ll also discuss the average cost of AXA plans and how an insurance broker can help you secure the right insurance plan for you.

To learn more about Hong Kong health insurance for expats, you can contact one of our insurance experts online or by calling 1-800-868-1451.

You can also read more about the Top 10 Insurance Companies in Hong Kong for Expats here.

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Key Benefits Offered to Expats in 2026 by AXA Insurance in Hong Kong

Expats living or working in Hong Kong in 2026 know they can rely on AXA Global as their insurance provider because all plans include emergency coverage, evacuation and repatriation benefits, reliable cancer care, and more.

Let’s dive into the key global coverage benefits offered by AXA plans.

• Emergency Coverage: Emergency care, such as ambulatory services and overnight hospital stays, is covered by all AXA plans.
• Evacuation and Repatriation: AXA includes emergency medical evacuation to transport you to the nearest hospital equipped to service your medical needs; repatriation of your mortal remains is also insured.
• Cancer Care: AXA covers a wide range of cancer treatments, such as radiotherapy and chemotherapy, in the event you are diagnosed with cancer.
• Virtual Doctor Service: AXA’s Virtual Doctor Service allows patients to schedule a virtual appointment any day or night in multiple languages, so you can receive medical advice at home or on the move.
• Mind Health Service: AXA’s Mind Health Service lets patients connect with a certified psychologist on the phone or a video call to receive mental health support no matter where you are.
• Second Medical Opinion Service: All AXA plans cover a second medical opinion for your diagnosis and treatment plan through a network of over 50,000 specialists.

AXA Global’s Five Expat Medical Insurance Plans

Foundation, Standard, Comprehensive, Prestige, and Prestige Plus are the five international health insurance plans AXA provides for expats, digital nomads, and global citizens living and/or working in Hong Kong.

When deciding which plan works best for you, first select one of these coverage levels that best meets your needs. After picking your plan, you can customize your coverage by:

1. Adding an optional upgrade, such as dental care or outpatient care
2. Add an excess per person on the plan to help lower your premium
3. Choose to either pay your premium monthly, quarterly, or annually (annual premiums will save you 5%)
4. Choose to either include or exclude medical coverage in the United States, which impacts your final premium cost

Let’s discuss each of AXA’s coverage levels in more detail.

AXA’s Foundation Plan

Foundation is AXA’s insurance plan for expats in Hong Kong seeking only minimal levels of medical coverage. With an annual plan limit of USD $160,000, the Foundation plan covers inpatient care, emergency care, medical evacuation and repatriation, and cancer care.

AXA’s Standard Plan

Standard is AXA’s insurance plan for long-term visitors in Hong Kong who want the same basic levels of coverage for inpatient and emergency care as the Foundation plan, but who also want to add dental care to the mix. This plan’s annual limit is USD $1,600,000.

AXA’s Comprehensive Plan

Comprehensive is the medical coverage plan by AXA for Hong Kong expats wanting a middle-ground tier of coverage between the minimum and the maximum levels of coverage available. With an annual plan limit of USD $2,400,000, Comprehensive adds outpatient, chronic conditions, and vision benefits.

AXA’s Prestige Plan

Prestige is one of two plans by AXA Global that offer expats in Hong Kong their most comprehensive benefits package. With an annual plan limit of USD $3,200,000, Prestige adds to the Comprehensive plan with coverage for maternity care and annual health checks. 

AXA’s Prestige Plus Plan

Prestige Plus is AXA’s highest tier of health insurance available for expats in Hong Kong. It has all the medical benefits available in Prestige, but it takes coverage to the next level by bumping the annual plan limit to USD $8,000,000. This plan is ideal for expats expecting high medical fees.

Hong Kong AXA Global Plan Comparisons

To help expats compare the benefits of AXA’s 5 core plans, we’ve created the following chart with a summary of all benefits included side by side.

To get insurance quotes for these plans by AXA for your individual situation and to get a more comprehensive understanding of all benefits included, please contact our Pacific Prime insurance experts.

You can also compare plans yourself online.

AXA Insurance Cost in Hong Kong for Long-Term Visitors

The premium cost of the Standard AXA insurance plan for long-term foreigners living in Hong Kong starts at $110/month for a 30-year-old female who has chosen a USD $16,000 deductible. This premium cost is on a sliding scale that is determined based on your age, gender, deductible, and add-ons.

Please note that these premiums are meant only as examples to give you an idea of what AXA plans may cost. Final premiums are based on your individual situation, health needs, and the plan you have customized.

The following scenarios will compare premium costs for the Standard AXA plan as we change the insured individual’s age, gender, and chosen deductible.

To compare plans according to your individual age, gender, and situation, visit our insurance quote generator online.

30-Year-Old Female

Premium costs for a 30-year-old female living in Hong Kong for over a year start at USD $110/monthly. In this scenario, the Standard plan includes inpatient care, dental care, emergency evacuation and repatriation, an annual limit of $1,600,000, and a deductible of $16,000.

Here are a few more examples of possible premiums if we change the deductible cost and nothing else:

• $110/monthly with a deductible of $16,000
• $176/monthly with a deductible of $3,200
• $213/monthly with a deductible of $1,600
• $317/monthly with a deductible of $400
• $347/monthly with a deductible of $160
• $367/monthly with a deductible of $0

45-Year-Old Male

Premium costs for a 45-year-old male living in Hong Kong for over a year start at USD $187/month. In this scenario, the Standard plan includes inpatient care, dental care, emergency evacuation and repatriation, an annual limit of $1,600,000, and a deductible of $16,000.

Here are a few more examples of possible premiums if we change the deductible cost and nothing else:

• $187/monthly with a deductible of $16,000
• $300/monthly with a deductible of $3,200
• $373/monthly with a deductible of $1,600
• $562/monthly with a deductible of $400
• $599/monthly with a deductible of $160
• $625/monthly with a deductible of $0 

60-Year-Old Female

Premium costs for a 60-year-old female living in Hong Kong for over a year start at USD $311/month. In this scenario, the Standard plan includes inpatient care, dental care, emergency evacuation and repatriation, an annual limit of $1,600,000, and a deductible of $16,000.

Here are a few more examples of possible premiums if we change the deductible cost and nothing else:

• $311/monthly with a deductible of $16,000
• $497/monthly with a deductible of $3,200
• $717/monthly with a deductible of $1,600
• $964/monthly with a deductible of $400
• $1,007/monthly with a deductible of $160
• $1,036/monthly with a deductible of $0

How an Insurance Broker Can Save You Money and Time

Expats 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 expats get from using an insurance broker:

1. You get access to more insurance choices
2. You get experienced insurance experts researching your situation for you
3. You get access to the most cost-effective plans available
4. You get assistance when submitting claims for reimbursement
5. 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 of the difference between an insurance broker and an insurance agent, read our article that explains it.

Frequently Asked Questions

What types of insurance does AXA Hong Kong offer to individuals?

AXA Hong Kong provides a wide range of insurance products, including life, health, and property insurance, as well as investment and retirement solutions.

How does AXA’s health insurance support expats in Hong Kong?

AXA offers flexible health and medical insurance plans tailored for expat professionals, families, and retirees in Hong Kong. These plans provide comprehensive coverage to support various healthcare needs.

What factors influence the cost of expat medical insurance with AXA?

The cost of expat medical insurance with AXA is influenced by several factors, including location (the region where coverage is needed), age (premiums may increase with age due to a higher likelihood of health issues), and medical history (pre-existing conditions can affect premium costs).

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Conclusion

Thanks for reading this article! You should now be an expert on the five health insurance plans offered by AXA in Hong Kong, and you should have an idea of what it might cost you to purchase one.

If you’re not sure if AXA is the right provider for you, we encourage you to learn about the other best insurance companies for expats in Hong Kong, one of which is Cigna Insurance.

You’re also encouraged to read our post about the Top 5 VHIS Options in Hong Kong. 

Optional Reading:

• Living Abroad in Hong Kong
• The 20 Best Places to Live in Hong Kong for Expats

• About
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Veerabhatr Sriyananda

Content Writer at Pacific Prime

Veerabhatr is a content writer with over 6 years of experience with a particular penchant for storytelling and marketing, both in print and online. He now works with an experienced team of writers at Pacific Prime, aiming to shed light on the essence and benefits of insurance for companies and individuals by creating engaging, informative content across multiple platforms.

After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.

Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.

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