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AXA China Region Insurance Company Limited — same-insurer plan comparison
AXA China Region Insurance Company Limited · 7 plan series · 13 variants
AXA China Region Insurance Company Limited offers 13 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 12 Flexi), covering Worldwide, across Ward, Semi-Private Room, Standard Private Room and N/A (capped) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Jul 2, 2026
Display options
Highlights
VHIS cert no.
S00033-01-000-02Benefits PDFPremiums PDF
F00018-01-000-03Benefits PDFPremiums PDF
F00018-04-000-03Benefits PDFPremiums PDF
F00018-01-001-03Benefits PDFPremiums PDF
F00018-04-001-03Benefits PDFPremiums PDF
F00018-02-000-03Benefits PDFPremiums PDF
F00018-05-000-03Benefits PDFPremiums PDF
F00018-02-001-03Benefits PDFPremiums PDF
F00018-05-001-03Benefits PDFPremiums PDF
F00018-03-000-03Benefits PDFPremiums PDF
F00018-06-000-03Benefits PDFPremiums PDF
F00018-03-001-03Benefits PDFPremiums PDF
F00018-06-001-03Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Ward
N/A (capped)
Ward
Ward
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Lifetime limit
—
—
—
—
—
—
—
Annual limit
—
—
—
—
—
—
Per illness
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
No-Claim Bonus
—
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
Deductible
—
—
—
—
—
—
—
Version
Mar 22, 2021
Jul 2, 2026
Jul 2, 2026
Jul 2, 2026
Jul 2, 2026
Jul 2, 2026
Jul 2, 2026
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year(US$100 per day, maximum 180 days per Policy Year)
$800 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$100 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
$1,600 per day, maximum 180 days per Policy Year(US$200 per day, maximum 180 days per Policy Year)
$1,600 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$200 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
$4,500 per day, maximum 180 days per Policy Year(US$570 per day, maximum 180 days per Policy Year)
$4,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$570 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
(b) Miscellaneous charges
$14,000 per Policy Year
$14,000 per Policy Year(US$1,820 per Policy Year)
$14,000 per Policy Year(US$1,820 per Policy Year)
$20,000 per Policy Year(US$2,500 per Policy Year)
$20,000 per Policy Year(US$2,500 per Policy Year)
$35,000 per Policy Year(US$4,380 per Policy Year)
$35,000 per Policy Year(US$4,380 per Policy Year)
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$750 per day, maximum 180 days per Policy Year(US$98 per day, maximum 180 days per Policy Year)
$750 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$98 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
$1,500 per day, maximum 180 days per Policy Year(US$190 per day, maximum 180 days per Policy Year)
$1,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$190 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
$4,500 per day, maximum 180 days per Policy Year(US$570 per day, maximum 180 days per Policy Year)
$4,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$570 per day, maximum 180 days per Policy YearEffective from day 181 of confinement)
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year(US$560 per Policy Year)
$4,300 per Policy Year(US$560 per Policy Year)
$5,000 per Policy Year(US$650 per Policy Year)
$5,000 per Policy Year(US$650 per Policy Year)
$10,000 per Policy Year(US$1,250 per Policy Year)
$10,000 per Policy Year(US$1,250 per Policy Year)
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 90 days per Policy Year(US$455 per day, maximum 90 days per Policy Year)
$3,500 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$455 per day, maximum 90 days per Policy YearEffective from day 91 of confinement)
$5,000 per day, maximum 90 days per Policy Year(US$650 per day, maximum 90 days per Policy Year)
$5,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$650 per day, maximum 90 days per Policy YearEffective from day 91 of confinement)
$8,000 per day, maximum 90 days per Policy Year(US$1,000 per day, maximum 90 days per Policy Year)
$8,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$1,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement)
Surgeon's fee — Minor
$5,000
$5,000(US$650)
$5,000(US$650)
$8,000(US$1,000)
$8,000(US$1,000)
$16,000(US$2,000)
$16,000(US$2,000)
Surgeon's fee — Intermediate
$12,500
$12,500(US$1,625)
$12,500(US$1,625)
$20,000(US$2,500)
$20,000(US$2,500)
$40,000(US$5,000)
$40,000(US$5,000)
Surgeon's fee — Major
$25,000
$25,000(US$3,250)
$25,000(US$3,250)
$40,000(US$5,000)
$40,000(US$5,000)
$80,000(US$10,390)
$80,000(US$10,390)
Surgeon's fee — Complex
$50,000
$50,000(US$6,495)
$50,000(US$6,495)
$80,000(US$10,390)
$80,000(US$10,390)
$160,000(US$20,000)
$160,000(US$20,000)
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.(US$2,598 per Policy Year. Subject to 30% Coinsurance.)
$20,000 per Policy Year. Subject to 30% Coinsurance.(US$2,598 per Policy Year. Subject to 30% Coinsurance.)
$25,000 per Policy Year. Subject to 30% Coinsurance.(US$3,125 per Policy Year. Subject to 30% Coinsurance.)
$25,000 per Policy Year. Subject to 30% Coinsurance.(US$3,125 per Policy Year. Subject to 30% Coinsurance.)
$30,000 per Policy Year. Subject to 30% Coinsurance.(US$3,750 per Policy Year. Subject to 30% Coinsurance.)
$30,000 per Policy Year. Subject to 30% Coinsurance.(US$3,750 per Policy Year. Subject to 30% Coinsurance.)
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
$80,000 per Policy Year(US$10,390 per Policy Year)
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$76, per visit, US$390 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$76, per visit, US$390 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
$780, per visit, $5,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$98, per visit, US$650 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
$780, per visit, $5,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$98, per visit, US$650 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
$980, per visit, $7,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$123, per visit, US$875 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
$980, per visit, $7,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$123, per visit, US$875 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
(l) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
$30,000 per Policy Year(US$3,898 per Policy Year)
Extra Benefits Extra
Accident-related
Emergency outpatient treatment for Accident
—
$5,000 per Policy Year within 24 hours of the Accident(US$650 per Policy Year within 24 hours of the Accident)
$5,000 per Policy Year within 24 hours of the Accident(US$650 per Policy Year within 24 hours of the Accident)
$10,000 per Policy Year within 24 hours of the Accident(US$1,250 per Policy Year within 24 hours of the Accident)
$10,000 per Policy Year within 24 hours of the Accident(US$1,250 per Policy Year within 24 hours of the Accident)
$22,000 per Policy Year within 24 hours of the Accident(US$2,750 per Policy Year within 24 hours of the Accident)
$22,000 per Policy Year within 24 hours of the Accident(US$2,750 per Policy Year within 24 hours of the Accident)
Outpatient-related
Outpatient kidney dialysis
—
$50,000 per Policy Year(US$6,495 per Policy Year)
$50,000 per Policy Year(US$6,495 per Policy Year)
$100,000 per Policy Year(US$12,500 per Policy Year)
$100,000 per Policy Year(US$12,500 per Policy Year)
$200,000 per Policy Year(US$25,000 per Policy Year)
$200,000 per Policy Year(US$25,000 per Policy Year)
Event Benefits Event
Compassionate death benefit
$10,000 per Policy
$15,000 per policy(US$1,875 per policy)
$15,000 per policy(US$1,875 per policy)
$20,000 per policy(US$2,500 per policy)
$20,000 per policy(US$2,500 per policy)
$30,000 per policy(US$3,750 per policy)
$30,000 per policy(US$3,750 per policy)
Medical accident and incident extension benefit
—
$60,000 per policy(US$7,500 per policy)
$60,000 per policy(US$7,500 per policy)
$200,000 per policy(US$25,000 per policy)
$200,000 per policy(US$25,000 per policy)
$550,000 per policy(US$68,750 per policy)
$550,000 per policy(US$68,750 per policy)
VHIS cert no.
S00033-01-000-02Benefits PDFPremiums PDF
Coverage region
Worldwide
Ward class
N/A (capped)
Lifetime benefit limit
—
Annual benefit limit
HK$420,000
Per-illness benefit limit
—
SMM Supplemental Major Medical
—
No-Claim Bonus
—
Deductible Options
—
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
Surgeon's fee — Complex
$50,000
(g) Anaesthetist's fee
35% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
$30,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency outpatient treatment for Accident
—
Outpatient-related
Outpatient kidney dialysis
—
Event Benefits Event
Compassionate death benefit
$10,000 per Policy
Medical accident and incident extension benefit
—
Plan 1 / 7
AXA安盛守慧醫療保障
AXA WiseGuard Medical Insurance Plan
Entry-level PickVer. Mar 22, 2021
- VHIS cert no.
- S00033-01-000-02
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,000 per Policy Year
- (c) 主診醫生巡房費
- $750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $4,300 per Policy Year
- (e) 深切治療
- $3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 外科醫生費 — 複雜
- $50,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 門診洗腎
- —
- 意外急症門診治療費用賠償
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000 per Policy
- 醫療意外事故保障
- —
Plan 2 / 7
真智安心醫療保障 - 標準 (港元)HKD + USD
Smart Medicare - Regular (HKD)
Step UpVer. Jul 2, 2026
- VHIS cert no.
- F00018-01-000-03F00018-04-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $800 per day, maximum 180 days per Policy Year(US$100)
- (b) 雜項開支
- $14,000(US$1,820)
- (c) 主診醫生巡房費
- $750 per day, maximum 180 days per Policy Year(US$98)
- (d) 專科醫生費
- $4,300(US$560)
- (e) 深切治療
- $3,500 per day, maximum 90 days per Policy Year(US$455)
- 外科醫生費 — 小型
- HKD$650 - $5,000USDUS$650
- 外科醫生費 — 中型
- HKD$1,625 - $12,500USDUS$1,625
- 外科醫生費 — 大型
- HKD$3,250 - $25,000USDUS$3,250
- 外科醫生費 — 複雜
- HKD$6,495 - $50,000USDUS$6,495
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance.(US$2,598)
- (j) 訂明非手術癌症治療
- $80,000(US$10,390)
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, (US$76,) per visit, $3,000 (US$390) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000(US$3,898)
Extra Benefits Extra
- 門診洗腎
- $50,000(US$6,495)
- 意外急症門診治療費用賠償
- $5,000 per Policy Year within 24 hours of the Accident(US$650)
Event Benefits Event
- 恩恤身故賠償
- $15,000(US$1,875)
- 醫療意外事故保障
- $60,000(US$7,500)
Plan 3 / 7
真智安心醫療保障 - 標準+額外醫療附加保障 (港元)HKD + USD
Smart Medicare - Regular with SMM (HKD)
Step UpVer. Jul 2, 2026
- VHIS cert no.
- F00018-01-001-03F00018-04-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$116,000／per policy year, 20% coinsurance(US$14,500／per policy year, 20% coinsurance)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $800 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$100)
- (b) 雜項開支
- $14,000(US$1,820)
- (c) 主診醫生巡房費
- $750 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$98)
- (d) 專科醫生費
- $4,300(US$560)
- (e) 深切治療
- $3,500 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$455)
- 外科醫生費 — 小型
- HKD$650 - $5,000USDUS$650
- 外科醫生費 — 中型
- HKD$1,625 - $12,500USDUS$1,625
- 外科醫生費 — 大型
- HKD$3,250 - $25,000USDUS$3,250
- 外科醫生費 — 複雜
- HKD$6,495 - $50,000USDUS$6,495
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance.(US$2,598)
- (j) 訂明非手術癌症治療
- $80,000(US$10,390)
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, (US$76,) per visit, $3,000 (US$390) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000(US$3,898)
Extra Benefits Extra
- 門診洗腎
- $50,000(US$6,495)
- 意外急症門診治療費用賠償
- $5,000 per Policy Year within 24 hours of the Accident(US$650)
Event Benefits Event
- 恩恤身故賠償
- $15,000(US$1,875)
- 醫療意外事故保障
- $60,000(US$7,500)
Plan 4 / 7
真智安心醫療保障 - 特級 (港元)HKD + USD
Smart Medicare - Superior (HKD)
Step UpVer. Jul 2, 2026
- VHIS cert no.
- F00018-02-000-03F00018-05-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,600 per day, maximum 180 days per Policy Year(US$200)
- (b) 雜項開支
- $20,000(US$2,500)
- (c) 主診醫生巡房費
- $1,500 per day, maximum 180 days per Policy Year(US$190)
- (d) 專科醫生費
- $5,000(US$650)
- (e) 深切治療
- $5,000 per day, maximum 90 days per Policy Year(US$650)
- 外科醫生費 — 小型
- HKD$1,000 - $8,000USDUS$1,000
- 外科醫生費 — 中型
- HKD$2,500 - $20,000USDUS$2,500
- 外科醫生費 — 大型
- HKD$5,000 - $40,000USDUS$5,000
- 外科醫生費 — 複雜
- HKD$10,390 - $80,000USDUS$10,390
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $25,000 per Policy Year. Subject to 30% Coinsurance.(US$3,125)
- (j) 訂明非手術癌症治療
- $80,000(US$10,390)
- (k) 入院前或出院後／日間手術前後的門診護理
- $780, (US$98,) per visit, $5,000 (US$650) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000(US$3,898)
Extra Benefits Extra
- 門診洗腎
- $100,000(US$12,500)
- 意外急症門診治療費用賠償
- $10,000 per Policy Year within 24 hours of the Accident(US$1,250)
Event Benefits Event
- 恩恤身故賠償
- $20,000(US$2,500)
- 醫療意外事故保障
- $200,000(US$25,000)
Plan 5 / 7
真智安心醫療保障 - 特級+額外醫療附加保障 (港元)HKD + USD
Smart Medicare - Superior with SMM (HKD)
Step UpVer. Jul 2, 2026
- VHIS cert no.
- F00018-02-001-03F00018-05-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$180,000／per policy year, 20% coinsurance(US$22,500／per policy year, 20% coinsurance)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,600 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$200)
- (b) 雜項開支
- $20,000(US$2,500)
- (c) 主診醫生巡房費
- $1,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$190)
- (d) 專科醫生費
- $5,000(US$650)
- (e) 深切治療
- $5,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$650)
- 外科醫生費 — 小型
- HKD$1,000 - $8,000USDUS$1,000
- 外科醫生費 — 中型
- HKD$2,500 - $20,000USDUS$2,500
- 外科醫生費 — 大型
- HKD$5,000 - $40,000USDUS$5,000
- 外科醫生費 — 複雜
- HKD$10,390 - $80,000USDUS$10,390
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $25,000 per Policy Year. Subject to 30% Coinsurance.(US$3,125)
- (j) 訂明非手術癌症治療
- $80,000(US$10,390)
- (k) 入院前或出院後／日間手術前後的門診護理
- $780, (US$98,) per visit, $5,000 (US$650) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000(US$3,898)
Extra Benefits Extra
- 門診洗腎
- $100,000(US$12,500)
- 意外急症門診治療費用賠償
- $10,000 per Policy Year within 24 hours of the Accident(US$1,250)
Event Benefits Event
- 恩恤身故賠償
- $20,000(US$2,500)
- 醫療意外事故保障
- $200,000(US$25,000)
Plan 6 / 7
真智安心醫療保障 - 至尊 (港元)HKD + USD
Smart Medicare - Premier (HKD)
Step UpVer. Jul 2, 2026
- VHIS cert no.
- F00018-03-000-03F00018-06-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,500 per day, maximum 180 days per Policy Year(US$570)
- (b) 雜項開支
- $35,000(US$4,380)
- (c) 主診醫生巡房費
- $4,500 per day, maximum 180 days per Policy Year(US$570)
- (d) 專科醫生費
- $10,000(US$1,250)
- (e) 深切治療
- $8,000 per day, maximum 90 days per Policy Year(US$1,000)
- 外科醫生費 — 小型
- HKD$2,000 - $16,000USDUS$2,000
- 外科醫生費 — 中型
- HKD$5,000 - $40,000USDUS$5,000
- 外科醫生費 — 大型
- HKD$10,390 - $80,000USDUS$10,390
- 外科醫生費 — 複雜
- HKD$20,000 - $160,000USDUS$20,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance.(US$3,750)
- (j) 訂明非手術癌症治療
- $80,000(US$10,390)
- (k) 入院前或出院後／日間手術前後的門診護理
- $980, (US$123,) per visit, $7,000 (US$875) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000(US$3,898)
Extra Benefits Extra
- 門診洗腎
- $200,000(US$25,000)
- 意外急症門診治療費用賠償
- $22,000 per Policy Year within 24 hours of the Accident(US$2,750)
Event Benefits Event
- 恩恤身故賠償
- $30,000(US$3,750)
- 醫療意外事故保障
- $550,000(US$68,750)
Plan 7 / 7
真智安心醫療保障 - 至尊+額外醫療附加保障 (港元)HKD + USD
Smart Medicare - Premier with SMM (HKD)
Step UpVer. Jul 2, 2026
- VHIS cert no.
- F00018-03-001-03F00018-06-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$420,000／per policy year, 20% coinsurance(US$52,500／per policy year, 20% coinsurance)
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$570)
- (b) 雜項開支
- $35,000(US$4,380)
- (c) 主診醫生巡房費
- $4,500 per day, maximum 180 days per Policy YearEffective from day 181 of confinement(US$570)
- (d) 專科醫生費
- $10,000(US$1,250)
- (e) 深切治療
- $8,000 per day, maximum 90 days per Policy YearEffective from day 91 of confinement(US$1,000)
- 外科醫生費 — 小型
- HKD$2,000 - $16,000USDUS$2,000
- 外科醫生費 — 中型
- HKD$5,000 - $40,000USDUS$5,000
- 外科醫生費 — 大型
- HKD$10,390 - $80,000USDUS$10,390
- 外科醫生費 — 複雜
- HKD$20,000 - $160,000USDUS$20,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $30,000 per Policy Year. Subject to 30% Coinsurance.(US$3,750)
- (j) 訂明非手術癌症治療
- $80,000(US$10,390)
- (k) 入院前或出院後／日間手術前後的門診護理
- $980, (US$123,) per visit, $7,000 (US$875) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000(US$3,898)
Extra Benefits Extra
- 門診洗腎
- $200,000(US$25,000)
- 意外急症門診治療費用賠償
- $22,000 per Policy Year within 24 hours of the Accident(US$2,750)
Event Benefits Event
- 恩恤身故賠償
- $30,000(US$3,750)
- 醫療意外事故保障
- $550,000(US$68,750)