VHIS Flexi · F00061-01-000-01

Asia iCare - Plan 1

亞洲緻安心 - 計劃 1

Asia Insurance Company, Limited

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Your premium

HK$6,190 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$650,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

—

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	$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$26,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,200 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,100 per Disability per Policy Year
(e) Intensive care (e) 深切治療	$4,375 per day, maximum 25 days per Policy Year
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	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$200,000 per Disability per Policy Year
(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	For (k)(i) and (k)(ii) combined: maximum $8,400 per Policy Year. $1,200 per day, up to 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure. $1,000 per day, all follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 腎臟透析	$200,000 per Policy Year
Daily post-surgery home nursing benefit 家居護理服務	For (c)(i) and (c)(ii) combined: maximum $6,000 per Policy Year (within the post-discharge window). $600 per day. $600 per day. 家居護士每日一次$600 輔助保健服務每日一次$600
SMM umbrella benefit (lifts multiple basic items) 於網絡醫院進行指定醫療套餐全額賠償保障 (只適用於香港)	Full reimbursement of Eligible ExpensesR&C 病房及膳食雜項開支主診醫生巡房費專科醫生費深切治療外科醫生費麻醉科醫生費手術室費住院陪床每次住院/日間手術只限1次住院或日間手術前診症
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$520 per day, maximum 180 days per Policy Year (only applicable to Insured Persons aged below 18 or above 65)

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$26,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,200 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,100 per Disability per Policy Year
(e) Intensive care
(e) 深切治療
$4,375 per day, maximum 25 days per Policy Year
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
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$200,000 per Disability per Policy Year
(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
For (k)(i) and (k)(ii) combined: maximum $8,400 per Policy Year. $1,200 per day, up to 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure. $1,000 per day, all follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
腎臟透析
$200,000 per Policy Year
Daily post-surgery home nursing benefit
家居護理服務
For (c)(i) and (c)(ii) combined: maximum $6,000 per Policy Year (within the post-discharge window). $600 per day. $600 per day.
- 家居護士每日一次$600
- 輔助保健服務每日一次$600
SMM umbrella benefit (lifts multiple basic items)
於網絡醫院進行指定醫療套餐全額賠償保障 (只適用於香港)
Full reimbursement of Eligible ExpensesR&C
- 病房及膳食
- 雜項開支
- 主診醫生巡房費
- 專科醫生費
- 深切治療
- 外科醫生費
- 麻醉科醫生費
- 手術室費
- 住院陪床
- 每次住院/日間手術只限1次住院或日間手術前診症

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$520 per day, maximum 180 days per Policy Year (only applicable to Insured Persons aged below 18 or above 65)

No-Claim Limit Boost

Benefit-limit boost earned by staying claim-free

Yes

No claim enhanced annual benefit limit: The Annual Benefit Limit as specified in the Benefit Schedule shall be increased by 10 percent (10%) for the Policy Year immediately following a Renewal Date provided that: (i) No benefit under these Terms and Benefits has been paid by the Company in respect of a claim incurred during the two (2) consecutive Policy Years immediately preceding the Renewal Date ("Claim-free Years"); and (ii) Asia iCare was in effect throughout the Claim-free Years.

Premium Schedule

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

Age	Male	Female
0	HK$9,915	HK$8,642
1	HK$9,624	HK$7,566
2	HK$9,257	HK$6,672
3	HK$8,101	HK$6,392
4	HK$7,615	HK$6,170
5	HK$6,906	HK$5,599
6	HK$5,979	HK$4,195
7	HK$5,303	HK$4,184
8	HK$5,118	HK$4,201
9	HK$4,337	HK$4,142
10	HK$4,354	HK$4,180
11	HK$4,209	HK$4,238
12	HK$4,532	HK$4,399
13	HK$4,520	HK$4,581
14	HK$4,481	HK$4,799
15	HK$4,555	HK$4,994
16	HK$4,745	HK$5,189
17	HK$4,992	HK$5,387
18	HK$5,066	HK$5,490
19	HK$5,085	HK$5,595
20	HK$5,295	HK$5,945
21	HK$5,498	HK$6,250
22	HK$5,510	HK$6,344
23	HK$5,868	HK$6,713
24	HK$5,928	HK$6,958
25	HK$5,906	HK$7,086
26	HK$6,089	HK$7,702
27	HK$6,214	HK$8,093
28	HK$6,252	HK$8,339
29	HK$6,177	HK$8,398
30	HK$6,190	HK$8,231
31	HK$6,288	HK$8,179
32	HK$6,387	HK$8,173
33	HK$6,639	HK$8,262
34	HK$6,867	HK$8,357
35	HK$6,987	HK$8,459
36	HK$7,296	HK$8,831
37	HK$7,301	HK$9,016
38	HK$7,326	HK$9,265
39	HK$7,304	HK$9,589
40	HK$7,371	HK$9,818
41	HK$7,451	HK$10,021
42	HK$7,690	HK$10,340
43	HK$8,070	HK$10,690
44	HK$8,441	HK$10,971
45	HK$8,940	HK$11,895
46	HK$9,476	HK$12,417
47	HK$9,967	HK$12,780
48	HK$10,268	HK$13,244
49	HK$10,314	HK$13,806
50	HK$10,709	HK$15,025
51	HK$11,227	HK$15,190
52	HK$12,014	HK$15,203
53	HK$12,681	HK$15,744
54	HK$13,471	HK$16,277
55	HK$14,205	HK$16,820
56	HK$15,249	HK$17,442
57	HK$17,020	HK$18,480
58	HK$18,201	HK$19,916
59	HK$19,638	HK$21,286
60	HK$21,090	HK$22,436
61	HK$22,829	HK$24,090
62	HK$24,757	HK$25,421
63	HK$26,560	HK$26,770
64	HK$28,358	HK$27,333
65	HK$30,788	HK$29,190
66	HK$32,766	HK$30,516
67	HK$34,784	HK$31,948
68	HK$36,990	HK$33,498
69	HK$38,606	HK$35,133
70	HK$40,220	HK$36,738
71	HK$42,297	HK$38,801
72	HK$44,043	HK$40,602
73	HK$45,864	HK$42,437
74	HK$47,789	HK$44,333
75	HK$49,417	HK$45,946
76	HK$51,102	HK$47,588
77	HK$52,830	HK$49,252
78	HK$54,627	HK$50,963
79	HK$57,608	HK$53,798
80	HK$59,479	HK$55,612
81	HK$61,384	HK$57,494
82	HK$63,361	HK$59,386
83	HK$65,174	HK$61,263
84	HK$67,052	HK$63,236
85	HK$68,085	HK$64,444
86	HK$69,704	HK$65,924
87	HK$70,117	HK$66,333
88	HK$70,968	HK$67,096
89	HK$71,564	HK$67,627
90	HK$72,122	HK$68,187
91	HK$73,385	HK$69,363
92	HK$74,691	HK$70,582
93	HK$75,399	HK$71,222
94	HK$76,139	HK$71,871
95	HK$76,877	HK$72,583
96	HK$77,671	HK$73,328
97	HK$78,510	HK$74,105
98	HK$79,421	HK$74,951
99	HK$80,348	HK$75,849

Other deductible options in this series

5 deductibles — same benefit schedule, premium scales with deductible

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1A with SMM

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2A with SMM

View details →

2B with SMM

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Nov 22, 2021
Last verified: 2026-06-05

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.