VHIS Flexi · F00018-04-000-03

Smart Medicare - Regular (USD)

真智安心醫療保障 - 標準 (美元)

AXA China Region Insurance Company Limited

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Your premium

US$314 /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	$100 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$1,820 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$98 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$560 per Policy Year
(e) Intensive care (e) 深切治療	$455 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$650
Surgeon's fee — Intermediate 外科醫生費 — 中型	$1,625
Surgeon's fee — Major 外科醫生費 — 大型	$3,250
Surgeon's fee — Complex 外科醫生費 — 複雜	$6,495
(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	$2,598 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$10,390 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	$76, per visit, $390 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	$3,898 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診洗腎	$6,495 per Policy Year
Emergency outpatient treatment for Accident 意外受傷急症門診治療	$650 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	$7,500 per policy
Compassionate death benefit 恩恤身故賠償	$1,875 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$100 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$1,820 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$98 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$560 per Policy Year
(e) Intensive care
(e) 深切治療
$455 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$650
Surgeon's fee — Intermediate
外科醫生費 — 中型
$1,625
Surgeon's fee — Major
外科醫生費 — 大型
$3,250
Surgeon's fee — Complex
外科醫生費 — 複雜
$6,495
(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
$2,598 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$10,390 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
$76, per visit, $390 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
$3,898 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診洗腎
$6,495 per Policy Year
Emergency outpatient treatment for Accident
意外受傷急症門診治療
$650 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
$7,500 per policy
Compassionate death benefit
恩恤身故賠償
$1,875 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) · USD

Age	Male	Female
0	US$421	US$364
1	US$421	US$364
2	US$421	US$364
3	US$421	US$364
4	US$421	US$364
5	US$251	US$274
6	US$251	US$274
7	US$251	US$274
8	US$251	US$274
9	US$251	US$261
10	US$244	US$261
11	US$214	US$261
12	US$217	US$261
13	US$220	US$261
14	US$224	US$261
15	US$228	US$262
16	US$232	US$265
17	US$236	US$271
18	US$241	US$278
19	US$245	US$285
20	US$252	US$295
21	US$256	US$304
22	US$260	US$312
23	US$264	US$320
24	US$269	US$328
25	US$275	US$338
26	US$281	US$349
27	US$287	US$361
28	US$293	US$373
29	US$300	US$388
30	US$314	US$409
31	US$322	US$424
32	US$329	US$441
33	US$337	US$458
34	US$345	US$474
35	US$354	US$492
36	US$363	US$508
37	US$374	US$525
38	US$386	US$542
39	US$398	US$558
40	US$422	US$592
41	US$439	US$615
42	US$458	US$633
43	US$480	US$651
44	US$501	US$669
45	US$523	US$689
46	US$545	US$708
47	US$568	US$728
48	US$592	US$747
49	US$618	US$767
50	US$654	US$798
51	US$686	US$817
52	US$720	US$838
53	US$759	US$858
54	US$801	US$878
55	US$846	US$911
56	US$892	US$945
57	US$940	US$983
58	US$993	US$1,018
59	US$1,042	US$1,063
60	US$1,095	US$1,113
61	US$1,155	US$1,169
62	US$1,220	US$1,248
63	US$1,288	US$1,299
64	US$1,375	US$1,346
65	US$1,467	US$1,392
66	US$1,554	US$1,510
67	US$1,614	US$1,583
68	US$1,682	US$1,671
69	US$1,758	US$1,762
70	US$1,810	US$1,843
71	US$1,887	US$1,949
72	US$1,964	US$2,055
73	US$2,061	US$2,178
74	US$2,152	US$2,293
75	US$2,156	US$2,298
76	US$2,160	US$2,303
77	US$2,165	US$2,307
78	US$2,169	US$2,312
79	US$2,173	US$2,317
80	US$2,182	US$2,326
81	US$2,191	US$2,335
82	US$2,200	US$2,345
83	US$2,208	US$2,354
84	US$2,217	US$2,364
85	US$2,226	US$2,373
86	US$2,235	US$2,382
87	US$2,244	US$2,392
88	US$2,253	US$2,401
89	US$2,261	US$2,411
90	US$2,273	US$2,423
91	US$2,284	US$2,435
92	US$2,296	US$2,447
93	US$2,307	US$2,460
94	US$2,319	US$2,472
95	US$2,330	US$2,484
96	US$2,342	US$2,496
97	US$2,353	US$2,508
98	US$2,365	US$2,521
99	US$2,377	US$2,534

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.