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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, HKD/USD merged, sorted from basic to comprehensive)
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)