VHIS Flexi · F00061-02-001-01

Asia iCare - Plan 2A with SMM

亞洲緻安心 - 計劃2A + 附加醫療保障

Asia Insurance Company, Limited

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Your premium

HK$4,453 /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

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	$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
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	$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
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
$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$7,395	HK$6,490
1	HK$7,386	HK$5,835
2	HK$7,370	HK$5,338
3	HK$6,573	HK$5,211
4	HK$6,179	HK$5,030
5	HK$5,603	HK$4,563
6	HK$4,851	HK$3,424
7	HK$4,235	HK$3,353
8	HK$4,087	HK$3,367
9	HK$3,433	HK$3,290
10	HK$3,416	HK$3,291
11	HK$3,275	HK$3,307
12	HK$3,495	HK$3,402
13	HK$3,456	HK$3,513
14	HK$3,371	HK$3,618
15	HK$3,384	HK$3,720
16	HK$3,481	HK$3,818
17	HK$3,617	HK$3,915
18	HK$3,688	HK$4,010
19	HK$3,720	HK$4,106
20	HK$3,893	HK$4,385
21	HK$4,063	HK$4,635
22	HK$4,094	HK$4,731
23	HK$4,267	HK$4,901
24	HK$4,333	HK$5,105
25	HK$4,378	HK$5,271
26	HK$4,536	HK$5,755
27	HK$4,654	HK$6,078
28	HK$4,708	HK$6,296
29	HK$4,722	HK$6,437
30	HK$4,453	HK$6,390
31	HK$4,612	HK$6,478
32	HK$4,779	HK$6,604
33	HK$4,969	HK$6,682
34	HK$5,141	HK$6,765
35	HK$5,234	HK$6,854
36	HK$5,521	HK$7,159
37	HK$5,699	HK$7,537
38	HK$5,906	HK$7,913
39	HK$6,087	HK$8,195
40	HK$6,345	HK$8,560
41	HK$6,723	HK$8,836
42	HK$7,111	HK$9,122
43	HK$7,467	HK$9,434
44	HK$7,628	HK$9,687
45	HK$7,802	HK$10,504
46	HK$8,153	HK$11,058
47	HK$8,745	HK$11,479
48	HK$9,193	HK$11,996
49	HK$9,765	HK$12,609
50	HK$10,478	HK$12,854
51	HK$11,355	HK$13,393
52	HK$12,245	HK$13,670
53	HK$13,030	HK$14,112
54	HK$13,777	HK$14,546
55	HK$14,644	HK$14,986
56	HK$15,336	HK$15,374
57	HK$16,312	HK$16,108
58	HK$17,451	HK$16,820
59	HK$18,618	HK$17,611
60	HK$19,968	HK$18,517
61	HK$21,129	HK$19,296
62	HK$22,168	HK$19,972
63	HK$22,799	HK$20,457
64	HK$23,378	HK$20,903
65	HK$24,639	HK$22,114
66	HK$25,726	HK$23,121
67	HK$26,804	HK$24,207
68	HK$27,988	HK$25,390
69	HK$29,222	HK$26,637
70	HK$32,797	HK$30,003
71	HK$34,181	HK$31,399
72	HK$35,597	HK$32,855
73	HK$37,078	HK$34,339
74	HK$38,645	HK$35,872
75	HK$39,981	HK$37,181
76	HK$41,367	HK$38,513
77	HK$42,790	HK$39,861
78	HK$44,269	HK$41,246
79	HK$46,271	HK$43,131
80	HK$47,794	HK$44,579
81	HK$49,342	HK$46,077
82	HK$50,941	HK$47,579
83	HK$52,404	HK$49,066
84	HK$53,910	HK$50,626
85	HK$54,265	HK$51,130
86	HK$54,585	HK$51,384
87	HK$54,920	HK$51,709
88	HK$55,590	HK$52,304
89	HK$56,067	HK$52,721
90	HK$56,515	HK$53,162
91	HK$57,012	HK$53,608
92	HK$57,534	HK$54,080
93	HK$58,091	HK$54,575
94	HK$58,674	HK$55,078
95	HK$59,256	HK$55,627
96	HK$59,883	HK$56,203
97	HK$60,544	HK$56,803
98	HK$61,260	HK$57,455
99	HK$61,988	HK$58,146

Other deductible options in this series

5 deductibles — same benefit schedule, premium scales with deductible

View details →

1A with SMM

View details →

2A with SMM

Current page

2B with SMM

View details →

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.