VHIS FlexiF00061-01-000-01

Asia iCare - Plan 1

亞洲緻安心 - 計劃 1

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

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

HK$6,314 /yr

age

Ward class

Basic and extra: No ward-class restriction; Network full reimbursement: Ward

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

—

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$10,114	HK$8,815
1	HK$9,817	HK$7,718
2	HK$9,443	HK$6,806
3	HK$8,264	HK$6,520
4	HK$7,768	HK$6,294
5	HK$7,045	HK$5,711
6	HK$6,099	HK$4,279
7	HK$5,410	HK$4,268
8	HK$5,221	HK$4,286
9	HK$4,424	HK$4,225
10	HK$4,442	HK$4,264
11	HK$4,294	HK$4,323
12	HK$4,623	HK$4,487
13	HK$4,611	HK$4,673
14	HK$4,571	HK$4,895
15	HK$4,647	HK$5,094
16	HK$4,840	HK$5,293
17	HK$5,092	HK$5,495
18	HK$5,168	HK$5,600
19	HK$5,187	HK$5,707
20	HK$5,401	HK$6,064
21	HK$5,608	HK$6,375
22	HK$5,621	HK$6,471
23	HK$5,986	HK$6,848
24	HK$6,047	HK$7,098
25	HK$6,025	HK$7,228
26	HK$6,211	HK$7,857
27	HK$6,339	HK$8,255
28	HK$6,378	HK$8,506
29	HK$6,301	HK$8,566
30	HK$6,314	HK$8,396
31	HK$6,414	HK$8,343
32	HK$6,515	HK$8,337
33	HK$6,772	HK$8,428
34	HK$7,005	HK$8,525
35	HK$7,127	HK$8,629
36	HK$7,442	HK$9,008
37	HK$7,448	HK$9,197
38	HK$7,473	HK$9,451
39	HK$7,451	HK$9,781
40	HK$7,519	HK$10,015
41	HK$7,601	HK$10,222
42	HK$7,844	HK$10,547
43	HK$8,232	HK$10,904
44	HK$8,610	HK$11,191
45	HK$9,119	HK$12,133
46	HK$9,666	HK$12,666
47	HK$10,167	HK$13,036
48	HK$10,474	HK$13,509
49	HK$10,521	HK$14,083
50	HK$10,924	HK$15,326
51	HK$11,452	HK$15,494
52	HK$12,255	HK$15,508
53	HK$12,935	HK$16,059
54	HK$13,741	HK$16,603
55	HK$14,490	HK$17,157
56	HK$15,554	HK$17,791
57	HK$17,361	HK$18,850
58	HK$18,566	HK$20,315
59	HK$20,031	HK$21,712
60	HK$22,567	HK$22,885
61	HK$24,428	HK$24,572
62	HK$26,986	HK$26,438
63	HK$29,482	HK$28,377
64	HK$32,045	HK$29,520
65	HK$35,407	HK$32,109
66	HK$38,337	HK$34,178
67	HK$41,393	HK$36,421
68	HK$44,388	HK$38,523
69	HK$46,328	HK$40,403
70	HK$48,264	HK$42,249
71	HK$50,757	HK$44,622
72	HK$52,852	HK$46,693
73	HK$55,037	HK$48,803
74	HK$57,347	HK$50,983
75	HK$59,301	HK$52,838
76	HK$61,323	HK$54,727
77	HK$63,396	HK$56,640
78	HK$65,553	HK$58,608
79	HK$69,130	HK$61,868
80	HK$71,375	HK$63,954
81	HK$73,661	HK$66,119
82	HK$76,034	HK$68,294
83	HK$78,209	HK$70,453
84	HK$80,463	HK$72,722
85	HK$81,702	HK$74,111
86	HK$83,645	HK$75,813
87	HK$84,141	HK$76,283
88	HK$85,162	HK$77,161
89	HK$85,877	HK$77,772
90	HK$86,547	HK$78,416
91	HK$88,062	HK$79,768
92	HK$89,630	HK$81,170
93	HK$90,479	HK$81,906
94	HK$91,367	HK$82,652
95	HK$92,253	HK$83,471
96	HK$93,206	HK$84,328
97	HK$94,212	HK$85,221
98	HK$95,306	HK$86,194
99	HK$96,418	HK$87,227

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

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1A with SMM

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2A with SMM

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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 1

01 · 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