VHIS Flexi · F00018-01-001-03

Smart Medicare - Regular with SMM (HKD)

真智安心醫療保障 - 標準+額外醫療附加保障 (港元)

AXA China Region Insurance Company Limited

Smart Medicare - Regular with SMM (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$4,257 /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

HK$116,000／per policy year, 20% coinsurance

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

Delayed onset

(a) 病房及膳食
Effective from day 181 of confinement
(c) 主診醫生巡房費
Effective from day 181 of confinement
(e) 深切治療
Effective from day 91 of confinement

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 Effective from day 181 of confinement
(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 Effective from day 181 of confinement
(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 Effective from day 91 of confinement
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
Effective from day 181 of confinement
(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
Effective from day 181 of confinement
(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
Effective from day 91 of confinement
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$4,745	HK$4,149
1	HK$4,745	HK$4,149
2	HK$4,745	HK$4,149
3	HK$4,745	HK$4,149
4	HK$4,745	HK$4,149
5	HK$3,255	HK$3,470
6	HK$3,255	HK$3,470
7	HK$3,255	HK$3,470
8	HK$3,255	HK$3,359
9	HK$3,255	HK$3,220
10	HK$3,194	HK$3,199
11	HK$3,200	HK$3,176
12	HK$3,200	HK$3,154
13	HK$3,199	HK$3,145
14	HK$3,199	HK$3,168
15	HK$3,199	HK$3,200
16	HK$3,197	HK$3,255
17	HK$3,197	HK$3,325
18	HK$3,194	HK$3,404
19	HK$3,301	HK$3,489
20	HK$3,394	HK$3,635
21	HK$3,458	HK$3,782
22	HK$3,525	HK$3,903
23	HK$3,590	HK$4,039
24	HK$3,655	HK$4,162
25	HK$3,727	HK$4,279
26	HK$3,792	HK$4,423
27	HK$3,863	HK$4,569
28	HK$3,938	HK$4,720
29	HK$4,012	HK$4,870
30	HK$4,257	HK$5,187
31	HK$4,338	HK$5,346
32	HK$4,423	HK$5,506
33	HK$4,507	HK$5,670
34	HK$4,608	HK$5,832
35	HK$4,720	HK$6,005
36	HK$4,834	HK$6,175
37	HK$4,972	HK$6,346
38	HK$5,125	HK$6,519
39	HK$5,277	HK$6,694
40	HK$5,583	HK$7,096
41	HK$5,777	HK$7,322
42	HK$5,976	HK$7,524
43	HK$6,216	HK$7,730
44	HK$6,478	HK$7,942
45	HK$6,756	HK$8,173
46	HK$7,034	HK$8,414
47	HK$7,323	HK$8,679
48	HK$7,644	HK$8,956
49	HK$7,989	HK$9,235
50	HK$8,492	HK$9,652
51	HK$8,868	HK$9,942
52	HK$9,282	HK$10,238
53	HK$9,747	HK$10,561
54	HK$10,243	HK$10,908
55	HK$10,767	HK$11,393
56	HK$11,297	HK$11,920
57	HK$11,851	HK$12,427
58	HK$12,539	HK$12,930
59	HK$13,106	HK$13,576
60	HK$13,741	HK$14,298
61	HK$13,887	HK$15,031
62	HK$14,907	HK$15,866
63	HK$15,686	HK$16,510
64	HK$16,601	HK$17,328
65	HK$17,940	HK$18,228
66	HK$19,538	HK$19,131
67	HK$20,377	HK$20,041
68	HK$21,043	HK$21,151
69	HK$21,982	HK$22,296
70	HK$22,623	HK$23,309
71	HK$23,574	HK$24,639
72	HK$24,542	HK$25,972
73	HK$25,738	HK$27,515
74	HK$26,873	HK$28,958
75	HK$26,928	HK$29,016
76	HK$26,979	HK$29,075
77	HK$27,036	HK$29,130
78	HK$27,084	HK$29,190
79	HK$27,143	HK$29,251
80	HK$27,251	HK$29,364
81	HK$27,354	HK$29,482
82	HK$27,466	HK$29,596
83	HK$27,577	HK$29,716
84	HK$27,683	HK$29,835
85	HK$27,795	HK$29,952
86	HK$27,907	HK$30,074
87	HK$28,017	HK$30,191
88	HK$28,131	HK$30,309
89	HK$28,238	HK$30,431
90	HK$28,382	HK$30,582
91	HK$28,522	HK$30,738
92	HK$28,663	HK$30,890
93	HK$28,806	HK$31,042
94	HK$28,951	HK$31,196
95	HK$29,092	HK$31,354
96	HK$29,242	HK$31,508
97	HK$29,386	HK$31,663
98	HK$29,531	HK$31,822
99	HK$29,674	HK$31,978

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

Regular (HKD)

View details →

Regular with SMM (HKD)

Current page

Superior (HKD)

View details →

Superior with SMM (HKD)

View details →

Premier (HKD)

View details →

Premier with SMM (HKD)

View details →

Regular (USD)

View details →

Regular with SMM (USD)

View details →

Superior (USD)

View details →

Superior with SMM (USD)

View details →

Premier (USD)

View details →

Premier with SMM (USD)

View details →

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