VHIS Flexi · F00018-01-000-03

Smart Medicare - Regular (HKD)

真智安心醫療保障 - 標準 (港元)

AXA China Region Insurance Company Limited

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Your premium

HK$2,611 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

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	$800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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	$80,000 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	$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure 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 門診洗腎	$50,000 per Policy Year
Emergency outpatient treatment for Accident 意外受傷急症門診治療	$5,000 per Policy Year within 24 hours of the Accident
Event Benefits
Medical accident and incident extension benefit 醫療疏忽事故保障	$60,000 per policy
Compassionate death benefit 恩恤身故賠償	$15,000 per policy

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
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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
$80,000 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
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure 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
門診洗腎
$50,000 per Policy Year
Emergency outpatient treatment for Accident
意外受傷急症門診治療
$5,000 per Policy Year within 24 hours of the Accident

Event Benefits

Medical accident and incident extension benefit
醫療疏忽事故保障
$60,000 per policy
Compassionate death benefit
恩恤身故賠償
$15,000 per policy

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Single flat-rate discount

15% (consecutive 3 yrs)

Claims that do NOT break the streak

真智住院現金保障（非認可產品部分）

Verbatim clause

無索償折扣附加條款 (1) 在續保日，無索償折扣將會從真智安心醫療保障由續保日起的保單年度的每年保費中扣除，惟前提是：(a)真智安心醫療保障在緊接著該續保日的前三(3)個保單年度持續生效；及 (b)在緊接著該續保日的前三(3)個保單年度期間，本公司從沒有按真智安心醫療保障及真智住院現金保障(並非認可產品的一部分，如適用)支付賠償。(2) 無索償折扣相等於真智安心醫療保障在緊接著該續保日前的保單年度的每年保費（該每年保費為扣除無索償折扣前及包括附加保費(如有)後的保費）的百分之十五。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00018/F00018-01-000-03-PlanDoc-c.pdf

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$3,465	HK$3,014
1	HK$3,465	HK$3,014
2	HK$3,465	HK$3,014
3	HK$3,465	HK$3,014
4	HK$3,465	HK$3,014
5	HK$2,111	HK$2,291
6	HK$2,111	HK$2,291
7	HK$2,111	HK$2,291
8	HK$2,111	HK$2,291
9	HK$2,111	HK$2,186
10	HK$2,050	HK$2,186
11	HK$1,813	HK$2,186
12	HK$1,839	HK$2,186
13	HK$1,862	HK$2,186
14	HK$1,890	HK$2,186
15	HK$1,924	HK$2,199
16	HK$1,959	HK$2,223
17	HK$1,991	HK$2,271
18	HK$2,025	HK$2,324
19	HK$2,059	HK$2,377
20	HK$2,113	HK$2,462
21	HK$2,148	HK$2,530
22	HK$2,181	HK$2,594
23	HK$2,213	HK$2,660
24	HK$2,248	HK$2,728
25	HK$2,301	HK$2,802
26	HK$2,348	HK$2,891
27	HK$2,396	HK$2,989
28	HK$2,445	HK$3,086
29	HK$2,499	HK$3,201
30	HK$2,611	HK$3,370
31	HK$2,671	HK$3,497
32	HK$2,733	HK$3,631
33	HK$2,793	HK$3,762
34	HK$2,862	HK$3,895
35	HK$2,932	HK$4,035
36	HK$3,008	HK$4,167
37	HK$3,095	HK$4,302
38	HK$3,192	HK$4,435
39	HK$3,285	HK$4,567
40	HK$3,476	HK$4,839
41	HK$3,614	HK$5,021
42	HK$3,764	HK$5,167
43	HK$3,936	HK$5,307
44	HK$4,111	HK$5,456
45	HK$4,288	HK$5,612
46	HK$4,464	HK$5,765
47	HK$4,642	HK$5,920
48	HK$4,837	HK$6,078
49	HK$5,048	HK$6,235
50	HK$5,337	HK$6,480
51	HK$5,587	HK$6,640
52	HK$5,863	HK$6,804
53	HK$6,175	HK$6,966
54	HK$6,513	HK$7,128
55	HK$6,868	HK$7,389
56	HK$7,235	HK$7,657
57	HK$7,619	HK$7,967
58	HK$8,046	HK$8,242
59	HK$8,435	HK$8,604
60	HK$8,862	HK$9,005
61	HK$9,344	HK$9,450
62	HK$9,856	HK$10,088
63	HK$10,403	HK$10,491
64	HK$11,099	HK$10,868
65	HK$11,834	HK$11,233
66	HK$12,531	HK$12,183
67	HK$13,014	HK$12,763
68	HK$13,556	HK$13,469
69	HK$14,165	HK$14,200
70	HK$14,578	HK$14,843
71	HK$15,193	HK$15,692
72	HK$15,815	HK$16,541
73	HK$16,590	HK$17,525
74	HK$17,318	HK$18,448
75	HK$17,352	HK$18,486
76	HK$17,386	HK$18,521
77	HK$17,420	HK$18,559
78	HK$17,453	HK$18,596
79	HK$17,488	HK$18,635
80	HK$17,557	HK$18,708
81	HK$17,626	HK$18,783
82	HK$17,697	HK$18,857
83	HK$17,767	HK$18,933
84	HK$17,834	HK$19,010
85	HK$17,905	HK$19,084
86	HK$17,978	HK$19,158
87	HK$18,050	HK$19,235
88	HK$18,122	HK$19,311
89	HK$18,192	HK$19,388
90	HK$18,282	HK$19,484
91	HK$18,374	HK$19,582
92	HK$18,465	HK$19,680
93	HK$18,557	HK$19,776
94	HK$18,649	HK$19,872
95	HK$18,743	HK$19,973
96	HK$18,836	HK$20,071
97	HK$18,929	HK$20,168
98	HK$19,020	HK$20,270
99	HK$19,113	HK$20,369

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

Regular (HKD)

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Regular with SMM (HKD)

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Superior (HKD)

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Superior with SMM (HKD)

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Premier (HKD)

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Premier with SMM (HKD)

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Regular (USD)

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Regular with SMM (USD)

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Superior (USD)

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Superior with SMM (USD)

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Premier (USD)

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Premier with SMM (USD)

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jul 2, 2025
Last verified: 2026-04-25

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.