AXA launches GBA EverGuard Medical Insurance meeting rising demand for cross-border healthcare
Delivers 100% full cover in Chinese mainland, Greater China flexibility for designated illnesses or major surgeries, and enhanced Traditional Chinese Medicine treatments and rehabilitation support
HONG KONG, Sept. 7, 2026 /PRNewswire/ -- AXA Hong Kong and Macau ("AXA") today announced the launch of GBA EverGuard Medical Insurance ("GBA EverGuard"), a comprehensive medical protection solution designed to meet the rising demand for cross-border healthcare services. The new plan supports customers throughout their healthcare journey across Greater China – from diagnosis and treatment to recovery and rehabilitation. It combines comprehensive medical protection, enhanced rehabilitation support, healthcare navigation services and access to professional healthcare networks, empowering customers to access appropriate care with greater confidence, convenience and peace of mind, wherever they choose to seek treatment.
The launch comes as a new survey[1] conducted by AXA among 600 Hong Kong residents open to utilising medical services in the Chinese mainland reveals growing demand towards Greater Bay Area (GBA) healthcare. As regional healthcare integration accelerates, Chinese mainland healthcare is increasingly seen as a practical alternative – offering patients broader treatment choices, greater flexibility, and faster access amid rising healthcare costs and long waiting times in Hong Kong.
Growing adoption of cross-border healthcare among Hong Kong residents highlights the need for trusted guidance and support
Faced with healthcare inflation and wait-time pressures in Hong Kong, 87% of respondents worry that the expensive treatment costs will prevent them from affording most suitable care, while 88% fear that long waiting time could lead to missing the golden treatment window. Overall, 68% of respondents have received medical treatment in the Chinese Mainland previously. Primary drivers for considering Chinese Mainland medical care include more reasonable cost or more comprehensive treatment within the same budget (57%), faster access to specialist consultations and procedures (44%), and more diverse and advanced medical technologies and treatment options (36%).
However, navigating an unfamiliar healthcare system remains a major obstacle. Top hurdles include unfamiliarity with Mainland hospitals and healthcare systems (47%), complex appointments, registration and treatment procedures (37%), and uncertainty regarding treatment costs, payment and insurance claims arrangement (36%). Dedicated professional guidance will help to provide peace of mind, with respondents valuing access to specialist and hospitals referral services (97%), and a dedicated care coordinator (95%) when seeking care in the Chinese Mainland.
Janet Lee, Chief Life and Health Insurance Officer, AXA Hong Kong & Macau, Deputy Chief Executive Officer, AXA Global Private, said: "As Greater Bay Area connectivity deepens, consumers are increasingly seeking high-quality, sustainable protection solutions across the region. GBA EverGuard was specifically designed with GBA medical care at its core to address this exact pain point – enabling our customers to access comprehensive, top-tier and long-term sustainable healthcare resources. We also extend Greater China flexibility for designated illnesses or major surgeries, providing our customers with the freedom to choose their preferred treatment journey. Matched with dedicated, end-to-end navigation via AXA Health Concierge, we bridge regional healthcare ecosystems – delivering confidence and peace of mind wherever they choose to seek care."
Key features of GBA EverGuard Medical Insurance include:
- Access to healthcare resources across the region: With guaranteed renewal up to age 100[2], the plan provides long-term protection with cost-effective premiums. It offers full cover[3] for hospitalisation, surgical procedures and prescribed non-surgical cancer treatments, with no itemised sub-limits. Customers can enjoy standard private room accommodation[4] at designated premier network hospitals in the Chinese Mainland. For designated illnesses,[5] customers can enjoy their preferred treatment journey in Hong Kong, Macau or Taiwan, subject to 20% coinsurance[6]. For treatment received through the AXA Signature Network in Hong Kong, annual coinsurance is capped at HK$50,000 per policy year.
- Recovery support beyond treatment: Recognising that recovery extends beyond hospital care, GBA EverGuard includes coverage for follow-up outpatient consultations, extra rehabilitation support in the Chinese Mainland and eligible Traditional Chinese Medicine treatments, providing holistic support from diagnosis through to recovery.
- Dedicated healthcare navigation with AXA Health Concierge[7],[8]: Customers can also access AXA Health Concierge, a dedicated healthcare support team providing cashless arrangements[9], Medical Green Pass services[10], access to an extensive healthcare network and healthcare coordination support. Customers can also enjoy comprehensive value-added services, including the Smart Four Diagnostic Assessment[8], and a complimentary medical check-up[8] every 3 years of no-claim period from the first policy anniversary to support long-term preventative health management. Together, these services help simplify the treatment, recovery and healthcare navigation journey across borders.
About AXA Hong Kong and Macau
AXA Hong Kong and Macau is a member of the AXA Group, a leading global insurer with presence in 52 markets and serving 92 million customers worldwide. Our purpose is to act for human progress by protecting what matters.
As one of the most diversified insurers in Hong Kong, we offer integrated solutions across Life, Health and General Insurance. We are the largest General Insurance provider and a major Health and Employee Benefits provider. Our aim is to not only be the insurer to provide comprehensive protection to our customers, but also a holistic partner to the individuals, businesses and community we serve. At the core of our service commitment is continuous product & service innovation and customer experience enrichment, which is achieved through actively listening to our customers' needs and leveraging and investing in technology and digital transformation.
We embrace our responsibility to be a driving force against climate change and a force for good to create shared value for our community. Our overall Sustainability Strategy, with emphasis on nature protection, inclusive protection and social resilience, provides a foundation for integrating environmental, social and governance considerations across our business. We are proud to be the first insurer to address the importance of mental health through different products and services and thought leading iconic research. Committed to shaping a sustainable future, we contribute in diverse ways through three distinct roles - as an investor, an insurer and an exemplary company.
THIS PRESS RELEASE IS AVAILABLE ON AXA'S WEBSITE: AXA.COM.HK
IMPORTANT LEGAL INFORMATION AND CAUTIONARY STATEMENTS CONCERNING FORWARD-LOOKING STATEMENTS
Certain statements contained herein may be forward-looking statements including, but not limited to, statements that are predictions of or indicate future events, trends, plans or objectives. Undue reliance should not be placed on such statements because, by their nature, they are subject to known and unknown risks and uncertainties and can be affected by other factors that could cause AXA's actual results to differ materially from those expressed or implied in the forward-looking statements. Please refer to Part 4 - "Risk factors and risk management" of AXA's Universal Registration Document for the year ended December 31, 2019, for a description of certain important factors, risks and uncertainties that may affect AXA's business, and/or results of operations. AXA undertakes no obligation to publicly update or revise any of these forward-looking statements, whether to reflect new information, future events or circumstances or otherwise, except as part of applicable regulatory or legal obligations.
[1] The survey was commissioned by AXA and conducted by the market research firm Ipsos in July 2026, aimed to study Hong Kong people's willingness to use medical services in Chinese Mainland. A total of 600 respondents aged between 30-59 participated in the survey. |
[2] Subject to the terms and benefits of the policy contract, you have a guaranteed right to renew the policy by making payment of the prevailing premium on each policy anniversary. "Age 100" refers to the policy anniversary on or immediately following the insured's 100th birthday, whichever is earlier. |
[3] "Full cover" shall mean no itemised benefit sub-limit and is only applicable to the reimbursement of the actual amount of eligible expenses and / or other expenses charged, subject to coinsurance, the annual benefit limit, lifetime benefit limit and other conditions as stated in this product brochure and the policy contract. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract. |
[4] The upgradable entitlement to a standard private room means that the applicable adjustment factor due to the difference in ward class will be waived when choosing network service providers in Chinese mainland. This waiver is subject to pre-approval and availability. |
[5] Designated illnesses include Major Cancer, Severe Heart Attack / Myocardial Infarction, Stroke with Permanent Neurological Deficit, Other Serious Coronary Artery Disease, End Stage Kidney Failure, Open Chest Heart Valve Surgery, End Stage Lung Disease with Respiratory Failure, Open Surgery to Aorta, Major Head Trauma, End Stage Liver Failure, Severe Primary Cardiomyopathy, Benign Brain Tumour, Major Organ Transplant, Coronary Artery Bypass Surgery, Severe Parkinson's Disease, Alzheimer's Dementia and other Major Neurocognitive Disorders (Dementia) with Severe Cognitive Impairment, Percutaneous Transluminal Coronary Angioplasty, Carcinoma-in-situ, Early Stage Cancer, Endovascular Treatment for Cerebral Aneurysm, Severe Autism Spectrum Disorder, Major Surgery or Complex Surgery, and excludes all other illnesses. |
[6] Coinsurance is the policy holder's share of eligible expenses as set out in the Benefit Schedule of GBA EverGuard, and it does not cover costs above the plan's benefit limits. |
[7] (a) The advice provided under AXA Health Concierge team; and / or (b) the general health information is provided by AXA Health Concierge. They are not, and should not be used, as a substitute for advice from your own medical doctor. Such advice and / or general health information will be based on what you tell us about your personal health circumstances and is only intended for enquiries which are not of an urgent or emergency nature. The same is not medical advice whatsoever and should not be treated as such. |
[8] The value-added services are provided by independent third-party service providers (who are not agents of AXA) designated by AXA from time to time. AXA shall not be liable for any value-added services provided by third-party service providers or for any acts or omissions on their part. The third-party service providers shall bear full responsibility and obligations for the relevant value-added services and all ancillary services; AXA reserves the right not to be involved in any issues or disputes arising therefrom. AXA reserves the right to change or terminate this value-added service (in whole or in part) and / or amend the relevant general terms and conditions at any time without any prior notice. |
[9] The availability of the cashless arrangement is provided by the network healthcare facilities (no need to pay deposit upon admission and enjoy cashless arrangement for eligible expenses at discharge) is subject to (a) pre-approval (if applicable), applicable benefit limits, coinsurance (if applicable) and exclusions under the relevant terms and benefits of the policy; and (b) acceptance of the cashless arrangement by the network healthcare facilities. The approval of the cashless arrangement is subject to the final decision of AXA. |
[10] The "Medical Green Pass" is not applicable to eligible persons who suffer from acute illness, have been involved in an accident, or require urgent or immediate medical assistance. AXA will arrange hospitalisation or outpatient consultation as soon as practicable but cannot guarantee the specific time available for appointment. |
SOURCE AXA Hong Kong & Macau
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