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

Smart Medicare - Regular (HKD) is a VHIS Flexi plan offered by AXA China Region Insurance Company Limited, with ward class Ward, Worldwide coverage and full coverage (no annual benefit limit). Latest plan-document version: Jul 2, 2026.

Your premium

HK$2,737 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

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$3,634	HK$3,160
1	HK$3,634	HK$3,160
2	HK$3,634	HK$3,160
3	HK$3,634	HK$3,160
4	HK$3,634	HK$3,160
5	HK$2,212	HK$2,401
6	HK$2,212	HK$2,401
7	HK$2,212	HK$2,401
8	HK$2,212	HK$2,401
9	HK$2,212	HK$2,291
10	HK$2,148	HK$2,291
11	HK$1,899	HK$2,291
12	HK$1,926	HK$2,291
13	HK$1,951	HK$2,291
14	HK$1,980	HK$2,291
15	HK$2,016	HK$2,304
16	HK$2,052	HK$2,330
17	HK$2,086	HK$2,380
18	HK$2,122	HK$2,436
19	HK$2,157	HK$2,491
20	HK$2,214	HK$2,581
21	HK$2,251	HK$2,652
22	HK$2,286	HK$2,719
23	HK$2,319	HK$2,788
24	HK$2,356	HK$2,860
25	HK$2,412	HK$2,938
26	HK$2,461	HK$3,031
27	HK$2,511	HK$3,134
28	HK$2,563	HK$3,236
29	HK$2,619	HK$3,357
30	HK$2,737	HK$3,534
31	HK$2,800	HK$3,667
32	HK$2,865	HK$3,808
33	HK$2,928	HK$3,946
34	HK$3,001	HK$4,085
35	HK$3,074	HK$4,232
36	HK$3,154	HK$4,371
37	HK$3,245	HK$4,513
38	HK$3,347	HK$4,652
39	HK$3,445	HK$4,791
40	HK$3,645	HK$5,076
41	HK$3,790	HK$5,268
42	HK$3,948	HK$5,421
43	HK$4,128	HK$5,568
44	HK$4,312	HK$5,724
45	HK$4,498	HK$5,888
46	HK$4,683	HK$6,049
47	HK$4,870	HK$6,211
48	HK$5,074	HK$6,377
49	HK$5,296	HK$6,542
50	HK$5,599	HK$6,799
51	HK$5,862	HK$6,967
52	HK$6,152	HK$7,140
53	HK$6,479	HK$7,310
54	HK$6,834	HK$7,480
55	HK$7,207	HK$7,754
56	HK$7,592	HK$8,035
57	HK$7,995	HK$8,361
58	HK$8,444	HK$8,650
59	HK$8,852	HK$9,030
60	HK$9,301	HK$9,451
61	HK$9,807	HK$9,918
62	HK$10,344	HK$10,588
63	HK$10,919	HK$11,011
64	HK$11,649	HK$11,407
65	HK$12,421	HK$11,790
66	HK$13,153	HK$12,788
67	HK$13,660	HK$13,397
68	HK$14,229	HK$14,138
69	HK$14,869	HK$14,905
70	HK$15,302	HK$15,581
71	HK$15,948	HK$16,472
72	HK$16,601	HK$17,364
73	HK$17,415	HK$18,397
74	HK$18,179	HK$19,366
75	HK$18,215	HK$19,406
76	HK$18,251	HK$19,443
77	HK$18,286	HK$19,482
78	HK$18,321	HK$19,521
79	HK$18,358	HK$19,562
80	HK$18,430	HK$19,639
81	HK$18,503	HK$19,718
82	HK$18,577	HK$19,795
83	HK$18,651	HK$19,875
84	HK$18,721	HK$19,956
85	HK$18,796	HK$20,034
86	HK$18,872	HK$20,111
87	HK$18,948	HK$20,192
88	HK$19,024	HK$20,272
89	HK$19,097	HK$20,353
90	HK$19,192	HK$20,454
91	HK$19,288	HK$20,557
92	HK$19,384	HK$20,659
93	HK$19,480	HK$20,760
94	HK$19,577	HK$20,861
95	HK$19,676	HK$20,967
96	HK$19,773	HK$21,070
97	HK$19,871	HK$21,172
98	HK$19,966	HK$21,279
99	HK$20,064	HK$21,383

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

Regular (HKD)

Current page

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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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: Jul 2, 2026
Last verified: 2026-07-16