VHIS FlexiF00061-02-000-01

Asia iCare - Plan 2

亞洲緻安心 - 計劃 2

Asia iCare - Plan 2 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$500,000 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$3,587 /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$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	每日$800 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	每保單年度 $20,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日$800 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 $4,800
(e) Intensive care (e) 深切治療	每日$3,500 每保單年度最多25日
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	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$400 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$800 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度 $20,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日$800 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 $4,800
(e) Intensive care
(e) 深切治療
每日$3,500 每保單年度最多25日
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
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$400 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$5,760	HK$5,797
1	HK$5,755	HK$5,214
2	HK$5,750	HK$4,771
3	HK$5,132	HK$4,658
4	HK$4,826	HK$4,497
5	HK$4,376	HK$4,078
6	HK$3,790	HK$3,062
7	HK$3,654	HK$3,068
8	HK$3,526	HK$3,081
9	HK$2,964	HK$3,011
10	HK$2,949	HK$3,012
11	HK$2,828	HK$3,026
12	HK$3,018	HK$3,113
13	HK$2,985	HK$3,216
14	HK$2,909	HK$3,309
15	HK$2,919	HK$3,402
16	HK$3,000	HK$3,491
17	HK$3,116	HK$3,580
18	HK$3,175	HK$3,665
19	HK$3,201	HK$3,753
20	HK$3,148	HK$3,548
21	HK$3,283	HK$3,748
22	HK$3,307	HK$3,824
23	HK$3,444	HK$3,960
24	HK$3,496	HK$4,122
25	HK$3,530	HK$4,253
26	HK$3,654	HK$4,637
27	HK$3,746	HK$4,894
28	HK$3,788	HK$5,067
29	HK$3,798	HK$5,177
30	HK$3,587	HK$5,144
31	HK$3,728	HK$5,234
32	HK$3,864	HK$5,338
33	HK$4,019	HK$5,408
34	HK$4,160	HK$5,482
35	HK$4,239	HK$5,562
36	HK$4,471	HK$5,813
37	HK$4,617	HK$6,124
38	HK$4,786	HK$6,435
39	HK$4,935	HK$6,671
40	HK$5,157	HK$6,990
41	HK$5,490	HK$7,256
42	HK$5,805	HK$7,499
43	HK$6,101	HK$7,758
44	HK$6,240	HK$7,971
45	HK$6,390	HK$8,643
46	HK$6,696	HK$9,117
47	HK$7,199	HK$9,486
48	HK$7,586	HK$9,936
49	HK$8,078	HK$10,463
50	HK$8,685	HK$10,693
51	HK$9,427	HK$11,161
52	HK$10,183	HK$11,419
53	HK$10,856	HK$11,809
54	HK$11,502	HK$12,193
55	HK$12,247	HK$12,584
56	HK$12,828	HK$12,911
57	HK$13,641	HK$13,520
58	HK$14,602	HK$14,113
59	HK$15,585	HK$14,771
60	HK$17,573	HK$15,539
61	HK$18,604	HK$16,190
62	HK$19,893	HK$17,084
63	HK$20,857	HK$17,850
64	HK$21,795	HK$18,598
65	HK$23,383	HK$20,038
66	HK$24,849	HK$21,335
67	HK$26,342	HK$22,739
68	HK$27,754	HK$24,071
69	HK$28,992	HK$25,263
70	HK$32,553	HK$28,465
71	HK$33,938	HK$29,796
72	HK$35,350	HK$31,180
73	HK$36,833	HK$32,593
74	HK$38,404	HK$34,050
75	HK$39,759	HK$35,301
76	HK$41,166	HK$36,572
77	HK$42,614	HK$37,857
78	HK$44,118	HK$39,174
79	HK$46,128	HK$40,953
80	HK$47,675	HK$42,324
81	HK$49,240	HK$43,737
82	HK$50,849	HK$45,149
83	HK$52,318	HK$46,544
84	HK$53,818	HK$48,004
85	HK$54,194	HK$48,483
86	HK$54,528	HK$48,732
87	HK$54,879	HK$49,045
88	HK$55,553	HK$49,609
89	HK$56,042	HK$50,009
90	HK$56,505	HK$50,431
91	HK$57,016	HK$50,860
92	HK$57,552	HK$51,312
93	HK$58,126	HK$51,788
94	HK$58,725	HK$52,270
95	HK$59,326	HK$52,797
96	HK$59,970	HK$53,349
97	HK$60,651	HK$53,925
98	HK$61,386	HK$54,550
99	HK$62,133	HK$55,209

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

View details →

Current page

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 2

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