Does AXA SmartStudent Overseas cover a pandemic such as COVID-19 ?

Yes. However, there are some exceptions: Trip cancelled under red or black outbound travel alert due to a pandemic If a claim is due to a vaccine-preventable disease, but you fail to get vaccinated and such vaccine is mandatorily

Is the insurance premium of AXA SmartStudent Overseas the same no matter where I study?

No. The insurance premium covering the US and Canada is higher.

Who is eligible to apply for AXA SmartStudent Overseas?

Anyone aged between 10-35 is eligible, provided that he/she is a Hong Kong resident and will be studying abroad as a full time student.

Does AXA SmartStudent Overseas cover adventurous sport activities overseas?

Yes. It covers most leisure sports, including bungee jumping, hot air ballooning, hang-gliding, kitesurfing or kite landboarding.

Does AXA SmartStudent Overseas cover leisure travel or internship during my overseas study trip?

Yes, you are covered for leisure travel and internships during your overseas study trip.

How much is the medical coverage of AXA SmartStudent Overseas?

AXA SmartStudent Overseas provides up to HK$2,000,000 compensation, including HK$250,000 for follow-up treatments in Hong Kong.

What supporting documents are required to claim AXA SmartStudent Overseas?

It depends on the type of claim, for example: Medical Expenses: Hospital/medical bill/receipt Personal Accident: Doctors report of certification Baggage and Personal Effects: Full description of the incident

Compare AXA Overseas Student Insurance in Hong Kong 2025

Comprehensive Coverage

AXA SmartStudent Overseas protects you from the moment you leave Hong Kong to the minute you return, even during your internship, part-time or excursions when studying abroad.

Covers Most Adventurous Sports

AXA SmartStudent Overseas offers complete sports freedom. You are protected for common adventurous sports, such as bungee jumping, rafting, windsurfing, snow skiing, snowboarding and more.

Free of Excess or Deductible

You do not have to pay out any excess or deductible before you can make a claim on your insurance.

Wide Age Bracket

AXA SmartStudent Overseas covers a broad age group, providing coverage for students from aged 10 to 35.

Cover up to HK$2,000,000 medical expenses

AXA SmartStudent Overseas provides up to HK$2,000,000 medical expenses, including HK$250,000 for follow-up treatments when you return home.

Extensive Personal Accident Protection

AXA SmartStudent Overseas provides extensive personal accident protection, including

Up to HK$1,000,000 accidental death or permanent disablement cover
Up to HK$500,000 extra compensation if the accident is resulted from riding on a common carrier, kidnap or natural disaster
Up to HK$30,000 for accidental broken bones
Up to HK$300,000 separate education fund

Timely Cash Support

Get up to HK$2,000 when faced with unexpected school closure for 3+ consecutive days.

Temporary Accommodation Cover

Enjoy up to HK$5,000 temporary accommodation cover when your overseas residence becomes uninhabitable due to accidents.

Full Belongings Cover

Enjoy up to HK$20,000 compensation for personal belongings and up to HK$10,000 cover for overseas home contents.

AXA SmartStudent Overseas Coverage

• Medical Expenses
• Personal Accident
• Baggage and Personal Effects
• Baggage Delay
• Personal Money
• Travel Documents
• Personal Liability
• Travel Delay, Trip Re-routing, Missed Journey and Overbooking
• Loss of Deposit, Cancellation of Trip and Trip Curtailment
• Education Fund
• Temporary Accommodation
• Study Interruption

Step 1

Download and fill out the claim form

Step 2

Gather all the required documents

Step 3

Submit claim form and the required documents

Method 1

Email

Send the completed claim form and the supporting documents to [email protected]

Method 2

Post

Mail the completed claim form and the supporting documents to 90854, Tsim Sha Tsui Post Office, Kowloon, Hong Kong

Who is eligible for AXA SmartStudent Overseas?

• HK residents of age 10-35 years old
• Full time students studying abroad:
➢ For students aged 18 or above: students themselves or legal guardians can be the applicant and the policyholder.
➢ For students aged below 18: only parents or legal guardians can be the applicant and the policyholder.

Section Title

Does AXA SmartStudent Overseas cover a pandemic such as COVID-19 ?: Yes. However, there are some exceptions:

Trip cancelled under red or black outbound travel alert due to a pandemic

If a claim is due to a vaccine-preventable disease, but you fail to get vaccinated and such vaccine is mandatorily
Is the insurance premium of AXA SmartStudent Overseas the same no matter where I study?: No. The insurance premium covering the US and Canada is higher.
Who is eligible to apply for AXA SmartStudent Overseas?: Anyone aged between 10-35 is eligible, provided that he/she is a Hong Kong resident and will be studying abroad as a full time student.
Does AXA SmartStudent Overseas cover adventurous sport activities overseas?: Yes. It covers most leisure sports, including bungee jumping, hot air ballooning, hang-gliding, kitesurfing or kite landboarding.
Does AXA SmartStudent Overseas cover leisure travel or internship during my overseas study trip?: Yes, you are covered for leisure travel and internships during your overseas study trip.
How much is the medical coverage of AXA SmartStudent Overseas?: AXA SmartStudent Overseas provides up to HK$2,000,000 compensation, including HK$250,000 for follow-up treatments in Hong Kong.
What supporting documents are required to claim AXA SmartStudent Overseas?: It depends on the type of claim, for example:

Medical Expenses: Hospital/medical bill/receipt

Personal Accident: Doctors report of certification

Baggage and Personal Effects: Full description of the incident