VHIS Flexi · F00061-02-000-01

Asia iCare - Plan 2

亞洲緻安心 - 計劃 2

Asia Insurance Company, Limited

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Your premium

HK$3,516 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$500,000

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	$800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$20,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$800 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,800 per Disability per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$7,680
Surgeon's fee — Intermediate 外科醫生費 — 中型	$19,200
Surgeon's fee — Major 外科醫生費 — 大型	$38,400
Surgeon's fee — Complex 外科醫生費 — 複雜	$76,800
(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	$400 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
$800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$20,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$800 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,800 per Disability per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$7,680
Surgeon's fee — Intermediate
外科醫生費 — 中型
$19,200
Surgeon's fee — Major
外科醫生費 — 大型
$38,400
Surgeon's fee — Complex
外科醫生費 — 複雜
$76,800
(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
$400 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$5,647	HK$5,683
1	HK$5,642	HK$5,111
2	HK$5,637	HK$4,677
3	HK$5,031	HK$4,566
4	HK$4,731	HK$4,408
5	HK$4,290	HK$3,998
6	HK$3,715	HK$3,001
7	HK$3,582	HK$3,007
8	HK$3,456	HK$3,020
9	HK$2,905	HK$2,951
10	HK$2,891	HK$2,952
11	HK$2,772	HK$2,966
12	HK$2,958	HK$3,051
13	HK$2,926	HK$3,152
14	HK$2,851	HK$3,244
15	HK$2,861	HK$3,335
16	HK$2,941	HK$3,422
17	HK$3,054	HK$3,509
18	HK$3,112	HK$3,593
19	HK$3,138	HK$3,679
20	HK$3,086	HK$3,478
21	HK$3,218	HK$3,674
22	HK$3,242	HK$3,749
23	HK$3,376	HK$3,882
24	HK$3,427	HK$4,041
25	HK$3,460	HK$4,169
26	HK$3,582	HK$4,546
27	HK$3,672	HK$4,798
28	HK$3,713	HK$4,967
29	HK$3,723	HK$5,075
30	HK$3,516	HK$5,043
31	HK$3,654	HK$5,131
32	HK$3,788	HK$5,233
33	HK$3,940	HK$5,301
34	HK$4,078	HK$5,374
35	HK$4,155	HK$5,452
36	HK$4,383	HK$5,699
37	HK$4,526	HK$6,003
38	HK$4,692	HK$6,308
39	HK$4,838	HK$6,540
40	HK$5,055	HK$6,852
41	HK$5,382	HK$7,113
42	HK$5,691	HK$7,351
43	HK$5,981	HK$7,605
44	HK$6,117	HK$7,814
45	HK$6,264	HK$8,473
46	HK$6,564	HK$8,938
47	HK$7,057	HK$9,300
48	HK$7,437	HK$9,741
49	HK$7,919	HK$10,257
50	HK$8,514	HK$10,483
51	HK$9,242	HK$10,942
52	HK$9,983	HK$11,195
53	HK$10,643	HK$11,577
54	HK$11,276	HK$11,953
55	HK$12,006	HK$12,337
56	HK$12,576	HK$12,657
57	HK$13,373	HK$13,254
58	HK$14,315	HK$13,836
59	HK$15,279	HK$14,481
60	HK$16,423	HK$15,234
61	HK$17,386	HK$15,872
62	HK$18,250	HK$16,426
63	HK$18,790	HK$16,839
64	HK$19,287	HK$17,220
65	HK$20,333	HK$18,216
66	HK$21,238	HK$19,049
67	HK$22,136	HK$19,946
68	HK$23,128	HK$20,931
69	HK$24,160	HK$21,967
70	HK$27,127	HK$24,752
71	HK$28,281	HK$25,909
72	HK$29,458	HK$27,113
73	HK$30,694	HK$28,341
74	HK$32,003	HK$29,608
75	HK$33,132	HK$30,696
76	HK$34,305	HK$31,801
77	HK$35,511	HK$32,919
78	HK$36,765	HK$34,064
79	HK$38,440	HK$35,611
80	HK$39,729	HK$36,803
81	HK$41,033	HK$38,032
82	HK$42,374	HK$39,260
83	HK$43,598	HK$40,473
84	HK$44,848	HK$41,742
85	HK$45,161	HK$42,159
86	HK$45,440	HK$42,375
87	HK$45,732	HK$42,647
88	HK$46,294	HK$43,138
89	HK$46,701	HK$43,486
90	HK$47,087	HK$43,853
91	HK$47,513	HK$44,226
92	HK$47,960	HK$44,619
93	HK$48,438	HK$45,033
94	HK$48,937	HK$45,452
95	HK$49,438	HK$45,910
96	HK$49,975	HK$46,390
97	HK$50,542	HK$46,891
98	HK$51,155	HK$47,434
99	HK$51,777	HK$48,007

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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Current page

2A with SMM

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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.