Asia iCare - Plan 1A with SMM

亞洲緻安心 - 計劃1A + 附加醫療保障

Asia iCare - Plan 1A with SMM is a VHIS Flexi plan offered by Asia Insurance Company, Limited, with basic and extra: No ward-class restriction; Network full reimbursement: Ward; SMM: Semi-Private Room, Worldwide (including United States) coverage and HK$650,000 annual benefit limit. Latest plan-document version: Oct 1, 2026.

VHIS FlexiF00061-01-001-01

Plan at a glance

Ward class: Basic and extra: No ward-class restriction; Network full reimbursement: Ward; SMM: Semi-Private Room
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: HK$650,000
Per-illness annual limit: —
Lifetime benefit limit: No cap
SMM Supplemental Major Medical: HK$180,000／per policy year, 20% coinsurance

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	每日$1,200 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	每保單年度 $26,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日$1,200 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	每保單年度每傷病 $6,100
(e) Intensive care (e) 深切治療	每日$4,375 每保單年度最多25日
Surgeon's fee — Minor 外科醫生費 — 小型	$9,984
Surgeon's fee — Intermediate 外科醫生費 — 中型	$24,960
Surgeon's fee — Major 外科醫生費 — 大型	$49,920
Surgeon's fee — Complex 外科醫生費 — 複雜	$99,840
(g) Anaesthetist's fee (g) 麻醉科醫生費	外科醫生費的 35%
(h) Operating theatre charges (h) 手術室費	外科醫生費的 35%
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	每保單年度$20,000 設 30% 共同保險
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	每保單年度每傷病 $200,000
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (k) 入院前或出院後／日間手術前後的門診護理	就(k)(i)及(k)(ii)，每保單年度最多$8,400 每日一次$1,200 住院/日間手術前最多1次門診或急症診症每日一次$1,000 出院 /日間手術後90日內的所有跟進門診
(l) Psychiatric treatments (l) 精神科治療	每保單年度 $30,000
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床	每日$520 每保單年度最多180日 (僅適用於年齡未滿18歳或超過65歳受保人)
Outpatient kidney dialysis 腎臟透析	每保單年度 $200,000
Home nursing 家居護理服務 (只適用香港)	就(c)(i) 及(c)(ii)，每保單年度最多$6,000 (出院後 90 日內) 每日一次$600 每日一次$600
Network hospital designated medical package 指定網絡醫療套餐	Full eligible reimbursement within primary annual cap and network conditionsR&C

Basic Benefits

(a) Room and board
(a) 病房及膳食
每日$1,200 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度 $26,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日$1,200 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
每保單年度每傷病 $6,100
(e) Intensive care
(e) 深切治療
每日$4,375 每保單年度最多25日
Surgeon's fee — Minor
外科醫生費 — 小型
$9,984
Surgeon's fee — Intermediate
外科醫生費 — 中型
$24,960
Surgeon's fee — Major
外科醫生費 — 大型
$49,920
Surgeon's fee — Complex
外科醫生費 — 複雜
$99,840
(g) Anaesthetist's fee
(g) 麻醉科醫生費
外科醫生費的 35%
(h) Operating theatre charges
(h) 手術室費
外科醫生費的 35%
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
每保單年度$20,000 設 30% 共同保險
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
每保單年度每傷病 $200,000
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(k) 入院前或出院後／日間手術前後的門診護理
就(k)(i)及(k)(ii)，每保單年度最多$8,400 每日一次$1,200 住院/日間手術前最多1次門診或急症診症每日一次$1,000 出院 /日間手術後90日內的所有跟進門診
(l) Psychiatric treatments
(l) 精神科治療
每保單年度 $30,000

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床
每日$520 每保單年度最多180日 (僅適用於年齡未滿18歳或超過65歳受保人)
Outpatient kidney dialysis
腎臟透析
每保單年度 $200,000
Home nursing
家居護理服務 (只適用香港)
就(c)(i) 及(c)(ii)，每保單年度最多$6,000 (出院後 90 日內) 每日一次$600 每日一次$600
Network hospital designated medical package
指定網絡醫療套餐
Full eligible reimbursement within primary annual cap and network conditionsR&C

No-Claim Limit Boost

Benefit-limit boost earned by staying claim-free

No claim-free premium discount listed in this policy

Cover must remain in force for the two consecutive policy years immediately before renewal, with no claims incurred in that period and paid under this contract. The annual limit in the selected schedule increases by 10% for the policy year immediately after renewal. More than two claim-free years still gives only 10%; increases do not accumulate. Attribute inpatient claims to admission and non-inpatient services to treatment. If a claim from the qualifying period is paid after renewal, the policyholder is not entitled to this extra limit in the next policy year after that renewal. If claims already paid in the relevant policy year exceed the annual limit, repay the excess on the insurer’s reasonable request. The renewal notice states the updated annual limit. This is a benefit-limit increase, not a premium discount.

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$14,375	HK$11,589
1	HK$13,705	HK$10,212
2	HK$13,071	HK$9,007
3	HK$11,640	HK$7,729
4	HK$10,594	HK$7,540
5	HK$9,421	HK$6,928
6	HK$8,236	HK$5,485
7	HK$7,159	HK$5,510
8	HK$6,329	HK$5,359
9	HK$5,788	HK$5,113
10	HK$5,617	HK$5,104
11	HK$5,429	HK$5,118
12	HK$5,453	HK$5,188
13	HK$5,541	HK$5,322
14	HK$5,618	HK$5,856
15	HK$5,729	HK$6,083
16	HK$5,856	HK$6,346
17	HK$5,994	HK$6,770
18	HK$6,039	HK$6,943
19	HK$6,109	HK$6,688
20	HK$6,244	HK$6,811
21	HK$6,685	HK$6,959
22	HK$6,773	HK$7,085
23	HK$7,180	HK$7,515
24	HK$7,323	HK$7,796
25	HK$7,359	HK$8,071
26	HK$7,584	HK$8,728
27	HK$7,629	HK$9,030
28	HK$7,715	HK$9,332
29	HK$7,700	HK$9,465
30	HK$7,792	HK$9,339
31	HK$7,978	HK$9,315
32	HK$8,166	HK$9,335
33	HK$8,484	HK$9,473
34	HK$8,798	HK$9,582
35	HK$8,971	HK$9,774
36	HK$9,415	HK$10,202
37	HK$9,506	HK$10,477
38	HK$9,618	HK$10,785
39	HK$9,676	HK$11,165
40	HK$9,832	HK$11,423
41	HK$10,090	HK$11,699
42	HK$10,496	HK$12,083
43	HK$11,014	HK$12,506
44	HK$11,503	HK$12,846
45	HK$12,110	HK$13,828
46	HK$12,772	HK$14,433
47	HK$13,622	HK$14,878
48	HK$14,065	HK$15,448
49	HK$14,318	HK$16,105
50	HK$14,959	HK$17,574
51	HK$15,700	HK$17,605
52	HK$16,716	HK$17,660
53	HK$17,488	HK$18,304
54	HK$18,539	HK$18,946
55	HK$19,385	HK$19,606
56	HK$20,705	HK$20,370
57	HK$22,886	HK$21,617
58	HK$24,445	HK$23,286
59	HK$26,297	HK$24,882
60	HK$29,557	HK$26,257
61	HK$31,808	HK$28,177
62	HK$34,836	HK$30,283
63	HK$37,665	HK$32,392
64	HK$40,480	HK$33,668
65	HK$43,928	HK$36,181
66	HK$47,306	HK$38,512
67	HK$50,858	HK$41,021
68	HK$54,290	HK$43,313
69	HK$56,595	HK$45,371
70	HK$58,857	HK$47,389
71	HK$61,737	HK$49,955
72	HK$64,180	HK$52,198
73	HK$66,706	HK$54,481
74	HK$69,388	HK$56,888
75	HK$71,601	HK$58,876
76	HK$73,916	HK$60,919
77	HK$76,262	HK$63,023
78	HK$78,742	HK$65,234
79	HK$81,999	HK$68,139
80	HK$84,539	HK$70,445
81	HK$87,137	HK$72,824
82	HK$89,787	HK$75,214
83	HK$92,468	HK$77,697
84	HK$95,228	HK$80,300
85	HK$96,638	HK$81,836
86	HK$98,360	HK$83,324
87	HK$99,132	HK$83,987
88	HK$99,980	HK$84,620
89	HK$100,793	HK$85,267
90	HK$101,589	HK$85,956
91	HK$103,228	HK$87,337
92	HK$104,915	HK$88,767
93	HK$105,920	HK$89,556
94	HK$106,947	HK$90,355
95	HK$107,979	HK$91,209
96	HK$109,096	HK$92,098
97	HK$110,261	HK$93,070
98	HK$111,494	HK$94,095
99	HK$112,781	HK$95,233

How to apply for this plan

This plan is offered by Asia Insurance Company, Limited. To apply, contact Asia Insurance Company, Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

5 deductibles — same benefit schedule, premium scales with deductible

View details →

1A with SMM

Current page

View details →

2A with SMM

View details →

2B with SMM

View details →

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Oct 1, 2026
Plan data updated: 2026-10-05

Asia iCare - Plan 1A with SMM

Plan at a glance

Benefits

No-Claim Limit Boost

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款