Four market-leading features with medical coverage up to HKD2,000,000

HONG KONG SAR - Media OutReach - 19 July 2021 - AXA Hong Kong and Macau ("AXA") is pleased to announce the launch of "SmartStudent Overseas" to provide comprehensive protection for students studying abroad with home-to-home coverage, even during internship, working part-time or going on excursions. "SmartStudent Overseas" features four market-leading highlights for a broad age group of students from 10 to 35:

  • Best medical expense coverage up to HKD2,000,000
  • Best personal accident protection up to HKD1,500,000
  • Best emergency family reunion benefit up to HKD100,000
  • Market-leading education fund up to HKD300,000


"SmartStudent Overseas" offers instant policy approval with simple and fast online enrolment. Customers can get an all-round protection before the start of the trip from Hong Kong and enjoy easy claims service from anywhere in the world. All benefits we provide are free of any excess or deductible. "SmartStudent Overseas" annual premium can be as low as HKD3,510. From now until 31 October 2021, customers purchasing "SmartStudent Overseas" will be entitled to a 10% instant premium discount on any plan.


Comprehensive home-to-home medical and personal accident protection

AXA aims to be the best companion for students studying overseas by ensuring that they have the necessary protection from the moment they leave home for overseas study until they return to Hong Kong. AXA provides the highest coverage in the market with up to HKD2,000,000 medical expense for accidental bodily injury sustained or sickness contracted overseas, including up to HKD250,000 for follow-up medical treatment in Hong Kong within 90 days of the student's return from abroad. Medical expenses due to a pandemic such as COVID-19 will also be covered.


It also offers the best personal accident protection with coverage up to HKD1,500,000 for accidental death or permanent disablement, including an additional payout up to HKD500,000 if the relevant accident results from riding on a common carrier, kidnap or natural disaster.


"SmartStudent Overseas" covers not only the city of study, but also anywhere overseas (except in Hong Kong) when the insured students take internships, non-manual part-time jobs and leisure travel during their study period. Various sports and activities such as cycling, marathon, rafting, wind surfing, hiking, snow skiing are also covered.


Family reunion visit and support during emergencies

Our 24-hour emergency assistance service can help arrange transportation and accommodation for the insured student's family to visit the insured student overseas, if the insured student is hospitalised for more than 5 consecutive days, or in the unfortunate event of the insured student's death. We cover up to HKD100,000 for the transportation and accommodation expense. Parents or guardians who take annual leave for such visit can also get up to HKD2,500 cash benefit.


Moreover, AXA fully recognises that education is key to a successful future. If the insured student's parent or guardian suffers from accidental death or permanent disablement, a separate education fund up to HKD300,000 will be given to the insured student to ensure continuity of his/her studies.


Comprehensive overseas home contents and personal belongings protection

"SmartStudent Overseas" also covers overseas home contents up to HKD10,000, and personal belongings up to HKD20,000 on a worldwide basis (except in Hong Kong) during the study trip, including musical instruments, sports equipment, mobile phones and laptop computers. Temporary accommodation expenses up to HKD5,000 will be reimbursed if the overseas residence is damaged and rendered uninhabitable as a result of insured events.


It also offers the first-in-market coverage of storage cost for personal belongings up to HKD2,000 if the insured student needs to make an emergency departure, and cash allowance up to HKD2,000 for unexpected school closure because of natural disaster or compulsory closure by local police or authority.


Kenneth Lai, P&C Distribution Director, AXA Hong Kong and Macau, said, "Studying abroad is a good opportunity for students to grow and broaden their horizons. With the increasing popularity of overseas study, AXA is delighted to be a companion to students during this important phase of their lives by providing them with market-leading comprehensive protection. As Hong Kong's largest general insurer[1], we have enhanced the benefits to an unmatched level in the industry with the highest medical and personal accident coverage. 'SmartStudent Overseas' helps students feel confident to achieve their goals and go further in life, which exemplifies AXA's 'Know You Can' brand promise."


To learn more about "SmartStudent Overseas", please visit


The above information is for reference only. For details on product features, content, terms and exclusions, please refer to the relevant product brochure.

[1]According to the Insurance Authority Provisional Statistics on Hong Kong General Insurance Business in 2020

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