VHIS Flexi · F00018-04-001-03

Smart Medicare - Regular with SMM (USD)

真智安心醫療保障 - 標準+額外醫療附加保障 (美元)

AXA China Region Insurance Company Limited

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Your premium

US$495 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

US$113,825／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	$100 per day, maximum 180 days per Policy Year Effective from day 181 of confinement
(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 Effective from day 181 of confinement
(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 Effective from day 91 of confinement
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
Supplementary Major Medical Benefit 額外醫療附加保障	$14,500 per Policy Year, subject to 20% Coinsurance
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
Effective from day 181 of confinement
(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
Effective from day 181 of confinement
(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
Effective from day 91 of confinement
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
Supplementary Major Medical Benefit
額外醫療附加保障
$14,500 per Policy Year, subject to 20% Coinsurance

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$553	US$482
1	US$553	US$482
2	US$553	US$482
3	US$553	US$482
4	US$553	US$482
5	US$376	US$401
6	US$376	US$401
7	US$376	US$401
8	US$376	US$388
9	US$376	US$372
10	US$368	US$369
11	US$369	US$366
12	US$369	US$363
13	US$369	US$362
14	US$369	US$365
15	US$369	US$369
16	US$368	US$375
17	US$368	US$384
18	US$368	US$393
19	US$381	US$404
20	US$392	US$421
21	US$400	US$438
22	US$408	US$452
23	US$415	US$469
24	US$423	US$484
25	US$432	US$498
26	US$440	US$514
27	US$448	US$532
28	US$457	US$550
29	US$466	US$568
30	US$495	US$605
31	US$505	US$624
32	US$514	US$644
33	US$524	US$663
34	US$537	US$682
35	US$550	US$703
36	US$563	US$723
37	US$580	US$744
38	US$598	US$764
39	US$616	US$785
40	US$652	US$833
41	US$676	US$860
42	US$699	US$884
43	US$728	US$908
44	US$759	US$933
45	US$792	US$961
46	US$825	US$990
47	US$860	US$1,021
48	US$898	US$1,054
49	US$939	US$1,087
50	US$999	US$1,137
51	US$1,044	US$1,172
52	US$1,093	US$1,207
53	US$1,148	US$1,245
54	US$1,208	US$1,286
55	US$1,270	US$1,344
56	US$1,333	US$1,407
57	US$1,399	US$1,467
58	US$1,481	US$1,527
59	US$1,548	US$1,604
60	US$1,624	US$1,690
61	US$1,641	US$1,777
62	US$1,762	US$1,877
63	US$1,855	US$1,954
64	US$1,964	US$2,051
65	US$2,124	US$2,158
66	US$2,314	US$2,266
67	US$2,414	US$2,374
68	US$2,493	US$2,506
69	US$2,605	US$2,642
70	US$2,681	US$2,763
71	US$2,795	US$2,921
72	US$2,909	US$3,080
73	US$3,052	US$3,264
74	US$3,187	US$3,435
75	US$3,194	US$3,442
76	US$3,200	US$3,449
77	US$3,206	US$3,456
78	US$3,212	US$3,463
79	US$3,219	US$3,470
80	US$3,232	US$3,484
81	US$3,245	US$3,498
82	US$3,258	US$3,511
83	US$3,271	US$3,526
84	US$3,284	US$3,540
85	US$3,297	US$3,554
86	US$3,310	US$3,568
87	US$3,323	US$3,582
88	US$3,337	US$3,596
89	US$3,350	US$3,611
90	US$3,367	US$3,629
91	US$3,383	US$3,647
92	US$3,400	US$3,665
93	US$3,417	US$3,684
94	US$3,435	US$3,702
95	US$3,452	US$3,721
96	US$3,469	US$3,739
97	US$3,486	US$3,757
98	US$3,504	US$3,776
99	US$3,521	US$3,795

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.