VHIS FlexiF00061-02-002-01

Asia iCare - Plan 2B with SMM

亞洲緻安心 - 計劃2B + 附加醫療保障

Asia iCare - Plan 2B 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$4,267 /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$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	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$7,045	HK$6,380
1	HK$7,035	HK$5,736
2	HK$7,023	HK$5,247
3	HK$6,264	HK$5,123
4	HK$5,890	HK$4,945
5	HK$5,341	HK$4,485
6	HK$4,624	HK$3,366
7	HK$4,123	HK$3,319
8	HK$3,980	HK$3,332
9	HK$3,344	HK$3,255
10	HK$3,328	HK$3,256
11	HK$3,190	HK$3,273
12	HK$3,404	HK$3,366
13	HK$3,366	HK$3,477
14	HK$3,283	HK$3,580
15	HK$3,295	HK$3,681
16	HK$3,389	HK$3,778
17	HK$3,522	HK$3,873
18	HK$3,589	HK$3,966
19	HK$3,620	HK$4,062
20	HK$3,734	HK$4,207
21	HK$3,897	HK$4,446
22	HK$3,925	HK$4,537
23	HK$4,091	HK$4,700
24	HK$4,154	HK$4,894
25	HK$4,196	HK$5,053
26	HK$4,348	HK$5,516
27	HK$4,459	HK$5,824
28	HK$4,511	HK$6,032
29	HK$4,523	HK$6,165
30	HK$4,267	HK$6,123
31	HK$4,423	HK$6,212
32	HK$4,584	HK$6,334
33	HK$4,766	HK$6,410
34	HK$4,932	HK$6,492
35	HK$5,022	HK$6,579
36	HK$5,297	HK$6,873
37	HK$5,469	HK$7,237
38	HK$5,668	HK$7,601
39	HK$5,842	HK$7,873
40	HK$6,094	HK$8,230
41	HK$6,464	HK$8,507
42	HK$6,837	HK$8,785
43	HK$7,180	HK$9,086
44	HK$7,337	HK$9,330
45	HK$7,507	HK$10,118
46	HK$7,849	HK$10,656
47	HK$8,425	HK$11,069
48	HK$8,861	HK$11,574
49	HK$9,419	HK$12,170
50	HK$10,111	HK$12,415
51	HK$10,962	HK$12,941
52	HK$11,826	HK$13,217
53	HK$12,589	HK$13,650
54	HK$13,319	HK$14,075
55	HK$14,162	HK$14,507
56	HK$14,832	HK$14,883
57	HK$15,775	HK$15,592
58	HK$16,879	HK$16,281
59	HK$18,010	HK$17,045
60	HK$20,274	HK$17,923
61	HK$21,455	HK$18,677
62	HK$22,933	HK$19,710
63	HK$24,025	HK$20,580
64	HK$25,086	HK$21,430
65	HK$26,909	HK$23,091
66	HK$28,588	HK$24,582
67	HK$30,297	HK$26,198
68	HK$31,906	HK$27,722
69	HK$33,317	HK$29,086
70	HK$37,397	HK$32,764
71	HK$38,979	HK$34,290
72	HK$40,595	HK$35,882
73	HK$42,287	HK$37,503
74	HK$44,078	HK$39,178
75	HK$45,610	HK$40,610
76	HK$47,200	HK$42,067
77	HK$48,832	HK$43,542
78	HK$50,530	HK$45,054
79	HK$52,818	HK$47,110
80	HK$54,566	HK$48,690
81	HK$56,338	HK$50,324
82	HK$58,168	HK$51,961
83	HK$59,841	HK$53,580
84	HK$61,559	HK$55,278
85	HK$61,971	HK$55,828
86	HK$62,342	HK$56,108
87	HK$62,728	HK$56,464
88	HK$63,495	HK$57,113
89	HK$64,043	HK$57,571
90	HK$64,560	HK$58,052
91	HK$65,132	HK$58,542
92	HK$65,732	HK$59,059
93	HK$66,372	HK$59,602
94	HK$67,043	HK$60,151
95	HK$67,714	HK$60,753
96	HK$68,435	HK$61,383
97	HK$69,196	HK$62,041
98	HK$70,019	HK$62,755
99	HK$70,857	HK$63,509

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

View details →

2B with SMM

Current page

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 2B 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