VHIS Flexi · F00061-02-002-01

Asia iCare - Plan 2B with SMM

亞洲緻安心 - 計劃2B + 附加醫療保障

Asia Insurance Company, Limited

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Your premium

HK$4,183 /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$120,000／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$6,906	HK$6,254
1	HK$6,897	HK$5,623
2	HK$6,885	HK$5,144
3	HK$6,141	HK$5,022
4	HK$5,774	HK$4,848
5	HK$5,236	HK$4,397
6	HK$4,533	HK$3,300
7	HK$4,042	HK$3,253
8	HK$3,901	HK$3,266
9	HK$3,278	HK$3,191
10	HK$3,262	HK$3,192
11	HK$3,127	HK$3,208
12	HK$3,337	HK$3,300
13	HK$3,300	HK$3,408
14	HK$3,218	HK$3,509
15	HK$3,230	HK$3,608
16	HK$3,322	HK$3,703
17	HK$3,452	HK$3,797
18	HK$3,518	HK$3,888
19	HK$3,549	HK$3,982
20	HK$3,660	HK$4,124
21	HK$3,820	HK$4,358
22	HK$3,848	HK$4,448
23	HK$4,010	HK$4,607
24	HK$4,072	HK$4,798
25	HK$4,113	HK$4,953
26	HK$4,262	HK$5,407
27	HK$4,371	HK$5,709
28	HK$4,422	HK$5,913
29	HK$4,434	HK$6,044
30	HK$4,183	HK$6,002
31	HK$4,336	HK$6,090
32	HK$4,494	HK$6,209
33	HK$4,672	HK$6,284
34	HK$4,835	HK$6,364
35	HK$4,923	HK$6,450
36	HK$5,193	HK$6,738
37	HK$5,361	HK$7,095
38	HK$5,556	HK$7,451
39	HK$5,727	HK$7,718
40	HK$5,974	HK$8,068
41	HK$6,337	HK$8,340
42	HK$6,702	HK$8,612
43	HK$7,039	HK$8,907
44	HK$7,193	HK$9,147
45	HK$7,359	HK$9,919
46	HK$7,695	HK$10,447
47	HK$8,259	HK$10,851
48	HK$8,687	HK$11,347
49	HK$9,234	HK$11,931
50	HK$9,912	HK$12,171
51	HK$10,747	HK$12,687
52	HK$11,594	HK$12,957
53	HK$12,342	HK$13,382
54	HK$13,057	HK$13,799
55	HK$13,884	HK$14,222
56	HK$14,541	HK$14,591
57	HK$15,465	HK$15,286
58	HK$16,548	HK$15,961
59	HK$17,656	HK$16,710
60	HK$18,947	HK$17,571
61	HK$20,051	HK$18,310
62	HK$21,039	HK$18,951
63	HK$21,644	HK$19,415
64	HK$22,200	HK$19,842
65	HK$23,399	HK$20,991
66	HK$24,434	HK$21,948
67	HK$25,459	HK$22,980
68	HK$26,588	HK$24,106
69	HK$27,764	HK$25,292
70	HK$31,164	HK$28,490
71	HK$32,482	HK$29,817
72	HK$33,829	HK$31,201
73	HK$35,239	HK$32,611
74	HK$36,731	HK$34,067
75	HK$38,008	HK$35,313
76	HK$39,333	HK$36,580
77	HK$40,693	HK$37,862
78	HK$42,108	HK$39,177
79	HK$44,015	HK$40,965
80	HK$45,471	HK$42,339
81	HK$46,948	HK$43,760
82	HK$48,473	HK$45,183
83	HK$49,867	HK$46,591
84	HK$51,299	HK$48,067
85	HK$51,642	HK$48,546
86	HK$51,951	HK$48,789
87	HK$52,273	HK$49,099
88	HK$52,912	HK$49,663
89	HK$53,369	HK$50,061
90	HK$53,800	HK$50,480
91	HK$54,276	HK$50,906
92	HK$54,776	HK$51,355
93	HK$55,310	HK$51,827
94	HK$55,869	HK$52,305
95	HK$56,428	HK$52,828
96	HK$57,029	HK$53,376
97	HK$57,663	HK$53,948
98	HK$58,349	HK$54,569
99	HK$59,047	HK$55,225

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

View details →

2B with SMM

Current page

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.