VHIS Flexi · F00061-01-001-01

Asia iCare - Plan 1A with SMM

亞洲緻安心 - 計劃1A + 附加醫療保障

Asia Insurance Company, Limited

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Your premium

HK$7,639 /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

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	$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
Network hospital designated medical package 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)	Reimbursement begins after exceeding the benefit limit listed under 3. Specified Medical Package Full Reimbursement Benefit at Network HospitalsR&C
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
Network hospital designated medical package
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)
Reimbursement begins after exceeding the benefit limit listed under 3. Specified Medical Package Full Reimbursement Benefit at Network HospitalsR&C

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$14,093	HK$11,361
1	HK$13,436	HK$10,011
2	HK$12,814	HK$8,830
3	HK$11,411	HK$7,577
4	HK$10,386	HK$7,392
5	HK$9,236	HK$6,792
6	HK$8,074	HK$5,377
7	HK$7,018	HK$5,401
8	HK$6,204	HK$5,253
9	HK$5,674	HK$5,012
10	HK$5,506	HK$5,003
11	HK$5,322	HK$5,017
12	HK$5,346	HK$5,086
13	HK$5,432	HK$5,217
14	HK$5,507	HK$5,741
15	HK$5,616	HK$5,963
16	HK$5,741	HK$6,221
17	HK$5,876	HK$6,637
18	HK$5,920	HK$6,806
19	HK$5,989	HK$6,556
20	HK$6,121	HK$6,677
21	HK$6,553	HK$6,822
22	HK$6,640	HK$6,946
23	HK$7,039	HK$7,367
24	HK$7,179	HK$7,643
25	HK$7,214	HK$7,912
26	HK$7,435	HK$8,556
27	HK$7,479	HK$8,852
28	HK$7,563	HK$9,149
29	HK$7,549	HK$9,279
30	HK$7,639	HK$9,155
31	HK$7,821	HK$9,132
32	HK$8,005	HK$9,151
33	HK$8,317	HK$9,287
34	HK$8,625	HK$9,394
35	HK$8,795	HK$9,582
36	HK$9,230	HK$10,001
37	HK$9,319	HK$10,271
38	HK$9,429	HK$10,573
39	HK$9,486	HK$10,946
40	HK$9,639	HK$11,199
41	HK$9,892	HK$11,469
42	HK$10,290	HK$11,846
43	HK$10,798	HK$12,260
44	HK$11,277	HK$12,594
45	HK$11,872	HK$13,556
46	HK$12,521	HK$14,150
47	HK$13,354	HK$14,586
48	HK$13,789	HK$15,145
49	HK$14,037	HK$15,789
50	HK$14,665	HK$17,229
51	HK$15,392	HK$17,259
52	HK$16,388	HK$17,313
53	HK$17,145	HK$17,945
54	HK$18,175	HK$18,574
55	HK$19,004	HK$19,221
56	HK$20,299	HK$19,970
57	HK$22,437	HK$21,193
58	HK$23,965	HK$22,829
59	HK$25,781	HK$24,394
60	HK$27,623	HK$25,742
61	HK$29,727	HK$27,624
62	HK$31,959	HK$29,118
63	HK$33,932	HK$30,558
64	HK$35,823	HK$31,174
65	HK$38,198	HK$32,891
66	HK$40,432	HK$34,385
67	HK$42,737	HK$35,983
68	HK$45,241	HK$37,663
69	HK$47,162	HK$39,453
70	HK$49,047	HK$41,207
71	HK$51,447	HK$43,439
72	HK$53,483	HK$45,389
73	HK$55,588	HK$47,374
74	HK$57,823	HK$49,467
75	HK$59,667	HK$51,196
76	HK$61,596	HK$52,973
77	HK$63,551	HK$54,802
78	HK$65,618	HK$56,725
79	HK$68,332	HK$59,251
80	HK$70,449	HK$61,256
81	HK$72,614	HK$63,325
82	HK$74,822	HK$65,403
83	HK$77,056	HK$67,562
84	HK$79,356	HK$69,826
85	HK$80,531	HK$71,161
86	HK$81,966	HK$72,455
87	HK$82,610	HK$73,032
88	HK$83,316	HK$73,582
89	HK$83,994	HK$74,145
90	HK$84,657	HK$74,744
91	HK$86,023	HK$75,945
92	HK$87,429	HK$77,188
93	HK$88,266	HK$77,874
94	HK$89,122	HK$78,569
95	HK$89,982	HK$79,312
96	HK$90,913	HK$80,085
97	HK$91,884	HK$80,930
98	HK$92,911	HK$81,821
99	HK$93,984	HK$82,811

Other deductible options in this series

5 deductibles — same benefit schedule, premium scales with deductible

View details →

1A with SMM

Current page

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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.