VHIS FlexiF00061-02-001-01

Asia iCare - Plan 2A with SMM

亞洲緻安心 - 計劃2A + 附加醫療保障

Asia iCare - Plan 2A with SMM is a VHIS Flexi plan offered by Asia Insurance Company, Limited, with basic and extra: No ward-class restriction; Network full reimbursement: Ward; SMM: 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$4,543 /yr

age

Ward class

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

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	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$7,543	HK$6,620
1	HK$7,534	HK$5,952
2	HK$7,518	HK$5,445
3	HK$6,705	HK$5,316
4	HK$6,303	HK$5,131
5	HK$5,716	HK$4,655
6	HK$4,949	HK$3,493
7	HK$4,320	HK$3,421
8	HK$4,169	HK$3,435
9	HK$3,502	HK$3,356
10	HK$3,485	HK$3,357
11	HK$3,341	HK$3,374
12	HK$3,565	HK$3,471
13	HK$3,526	HK$3,584
14	HK$3,439	HK$3,691
15	HK$3,452	HK$3,795
16	HK$3,551	HK$3,895
17	HK$3,690	HK$3,994
18	HK$3,762	HK$4,091
19	HK$3,795	HK$4,189
20	HK$3,971	HK$4,473
21	HK$4,145	HK$4,728
22	HK$4,176	HK$4,826
23	HK$4,353	HK$5,000
24	HK$4,420	HK$5,208
25	HK$4,466	HK$5,377
26	HK$4,627	HK$5,871
27	HK$4,748	HK$6,200
28	HK$4,803	HK$6,422
29	HK$4,817	HK$6,566
30	HK$4,543	HK$6,518
31	HK$4,705	HK$6,608
32	HK$4,875	HK$6,737
33	HK$5,069	HK$6,816
34	HK$5,244	HK$6,901
35	HK$5,339	HK$6,992
36	HK$5,632	HK$7,303
37	HK$5,813	HK$7,688
38	HK$6,025	HK$8,072
39	HK$6,209	HK$8,359
40	HK$6,472	HK$8,732
41	HK$6,858	HK$9,013
42	HK$7,254	HK$9,305
43	HK$7,617	HK$9,623
44	HK$7,781	HK$9,881
45	HK$7,959	HK$10,715
46	HK$8,317	HK$11,280
47	HK$8,920	HK$11,709
48	HK$9,377	HK$12,236
49	HK$9,961	HK$12,862
50	HK$10,688	HK$13,112
51	HK$11,583	HK$13,661
52	HK$12,490	HK$13,944
53	HK$13,291	HK$14,395
54	HK$14,053	HK$14,837
55	HK$14,937	HK$15,286
56	HK$15,643	HK$15,682
57	HK$16,639	HK$16,431
58	HK$17,801	HK$17,157
59	HK$18,991	HK$17,964
60	HK$21,366	HK$18,888
61	HK$22,609	HK$19,682
62	HK$24,164	HK$20,771
63	HK$25,307	HK$21,685
64	HK$26,418	HK$22,576
65	HK$28,335	HK$24,326
66	HK$30,100	HK$25,896
67	HK$31,897	HK$27,596
68	HK$33,586	HK$29,199
69	HK$35,067	HK$30,633
70	HK$39,357	HK$34,504
71	HK$41,018	HK$36,109
72	HK$42,717	HK$37,784
73	HK$44,494	HK$39,490
74	HK$46,374	HK$41,253
75	HK$47,978	HK$42,759
76	HK$49,641	HK$44,290
77	HK$51,348	HK$45,841
78	HK$53,123	HK$47,433
79	HK$55,526	HK$49,601
80	HK$57,353	HK$51,266
81	HK$59,211	HK$52,989
82	HK$61,130	HK$54,716
83	HK$62,885	HK$56,426
84	HK$64,692	HK$58,220
85	HK$65,118	HK$58,800
86	HK$65,502	HK$59,092
87	HK$65,904	HK$59,466
88	HK$66,708	HK$60,150
89	HK$67,281	HK$60,630
90	HK$67,818	HK$61,137
91	HK$68,415	HK$61,650
92	HK$69,041	HK$62,192
93	HK$69,710	HK$62,762
94	HK$70,409	HK$63,340
95	HK$71,108	HK$63,972
96	HK$71,860	HK$64,634
97	HK$72,653	HK$65,324
98	HK$73,512	HK$66,074
99	HK$74,386	HK$66,868

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 →

2A with SMM

Current page

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 2A with SMM

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