A+ is a managing agent based in Hong Kong that uses:
- AXA China Region Insurance Company Ltd as its underwriter for Group Business
- AXA General Insurance Hong Kong Ltd as its underwriter for Individual Business
Inter Partner Assistance Hong Kong Limited (a wholly owned subsidiary of AXA Assistance) as its assistance/evacuation company.
A+ sees synergy in its relationship with AXA, as it believes they share the same corporate values regarding doing the right thing by the customer. In particular A+ is very pround of its effecient claim handling ability, which it says are "second to none".
A+ markets two plans, both of which are able to be used by individuals/families and as well company groups in Hong Kong
|Worldwide Plan||Available to: Hong Kong nationals and Expatriates|
|SE Asia Plan||Available to: Expatriates in Laos, Cambodia, Vietnam, Indonesia, Malaysia, Philippines.|
See the Product section for more detail.
A+ provides a Worldwide plan for Hong Kong residents and expatriates in other countries and as well, a South East Asian plan for expatriates living in other countries of Asia: In summary, the plans and cover provided are as below:
|Available to: Hong Kong nationals and Expatriates|
|Hospitalization||100% hospital, with pre and post hospital outpatient cover as well as rehabilitation benefits||0||0||0|
|Global 80||Hospitalization plus 80% outpatient||500||675||750|
|Global 100||Hospitalization plus 100% outpatient||1,000||1,350||1,500|
|Global 100 Plus||Global 100 plus maternity||2,000||2,700||3,000|
|Optonal Additional Coverage||5,000||6,750||7,500|
||These deductibles not availalbe for Hospital only cover|
|South East Asian Plans||US$|
|Available to: Expatriates in Laos, Cambodia, Vietnam, Indonesia, Malaysia & Philippines.||Essential||Serene|
|Essential||100% Hospital & Daypatient ONLY||0||0|
|Essential Plus||Essential with pre and post operation outpatient treatment, hospital cash and psychiatric inpatient care||300||675|
|Serene||100% inpatient and outpatient||N/A||1350|
Serene plus in and outpatient psychiatric and hospital cash benefit
Optonal Additional Coverage
For those leavig a group scheme and wanting to continue cover, they will be moving from an AXA China Region policy to an AXA General policy and given these are two different companies, they will need to be underwritten. One option is for staff to complete an application form as to their state of health when they join the A+ group plan. When they come to leave the group, A+ will underwrite the transfer as per the staff's original state of health and will ignore any issues of worsening health.
For Claim administration, A+ has delegated claim handling authority and responsibility for managing both inpatient and
outpatient claims to a company based in France called "Medical Administrators International" (MAI).
Claims are normally reimbursed within 5 working days, at a maximum of 15 days. You may check the claim process and reimburse- ment record on your personalised ‘My A+ Page’.
NOTE: All claims over US$675 must be posted to MAI.. Claims for less than this amount can be processed on the A+ Website.
A+ offers customers a choice of two means of being assessed or underwritten:
- Underwritten enrolment: The medical questionnaire included in the application form must be completed fully and accurately, failing to do so may invalidate the policy.
- Moratorium enrolment: After two years continuous membership, any pre-existing medical conditions (and related conditions) will become eligible for benefit, subject to the terms and conditions of the Insured’s plan, provided the Insured has not during that period:
a) consulted any Medical Practitioner or Specialist for Treatment or advice (including check-ups) or
b) experienced further symptoms or
c) taken medication or been advised to follow special Treatment (including drugs, medicine, special diets, injections, etc.)
Examples of Pre-existing Conditions that will never be covered include:
- hypertension (raised blood pressure),
- hyperlipidemia (raised cholesterol level),
- ischemic heart disease,
- cancer, thyroid disease, and auto-immune disorders.
If you have suffered from any of these conditions, or any other condition for which it is generally accepted medical advice that it be monitored in any way, then the condition - and any related conditions - will never be covered.
Examples of related conditions are:
- raised cholesterol levels
- heart disease and
If you have suffered from high cholesterol before the date of entry to the plan you will never be covered for cardiac problems of strokes.
Our strong advice for A+ applicants or applicants for any other plans that provide the Moratorium option, is to be underwritten instead.
A+ vs the market
|Features||Market norms||A+ International Healthcare|
|Chronic conditions||Limited cover||Covered|
|Traditional Chinese Medicine||Limited or not covered||Covered|
|Congenital conditions||Limited or excluded||Covered|
|Complication of pregnancy||Waiting period||No waiting period|
|Claims reporting||Max 180 days||Up to 2 years|
|Age limit for group enrolment||Lmit 64 years||No entry or renewal age limit|
|AIDS / HIV||Limited cover||Covered|
Comparison of Worldwide plan options