VHIS Flexi · F00018-02-000-03

Smart Medicare - Superior (HKD)

真智安心醫療保障 - 特級 (港元)

AXA China Region Insurance Company Limited

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Your premium

HK$5,548 /yr

age

Ward class

Semi-Private Room

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	$1,600 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$20,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$5,000 per Policy Year
(e) Intensive care (e) 深切治療	$5,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$8,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$20,000
Surgeon's fee — Major 外科醫生費 — 大型	$40,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$80,000
(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	$25,000 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	$780, per visit, $5,000 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	$100,000 per Policy Year
Emergency outpatient treatment for Accident 意外受傷急症門診治療	$10,000 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	$200,000 per policy
Compassionate death benefit 恩恤身故賠償	$20,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,600 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$20,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$5,000 per Policy Year
(e) Intensive care
(e) 深切治療
$5,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$8,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$20,000
Surgeon's fee — Major
外科醫生費 — 大型
$40,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$80,000
(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
$25,000 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
$780, per visit, $5,000 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
$100,000 per Policy Year
Emergency outpatient treatment for Accident
意外受傷急症門診治療
$10,000 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
$200,000 per policy
Compassionate death benefit
恩恤身故賠償
$20,000 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$7,337	HK$6,385
1	HK$7,337	HK$6,385
2	HK$7,337	HK$6,385
3	HK$7,337	HK$6,385
4	HK$7,337	HK$6,385
5	HK$4,036	HK$4,867
6	HK$4,036	HK$4,867
7	HK$4,036	HK$4,867
8	HK$4,036	HK$4,867
9	HK$4,036	HK$4,650
10	HK$3,921	HK$4,650
11	HK$3,935	HK$4,650
12	HK$3,953	HK$4,650
13	HK$3,986	HK$4,650
14	HK$4,028	HK$4,650
15	HK$4,100	HK$4,677
16	HK$4,173	HK$4,728
17	HK$4,243	HK$4,830
18	HK$4,314	HK$4,938
19	HK$4,386	HK$5,049
20	HK$4,499	HK$5,235
21	HK$4,569	HK$5,370
22	HK$4,639	HK$5,506
23	HK$4,710	HK$5,645
24	HK$4,785	HK$5,784
25	HK$4,888	HK$5,937
26	HK$4,989	HK$6,125
27	HK$5,091	HK$6,330
28	HK$5,196	HK$6,539
29	HK$5,306	HK$6,778
30	HK$5,548	HK$7,130
31	HK$5,671	HK$7,397
32	HK$5,798	HK$7,674
33	HK$5,931	HK$7,949
34	HK$6,070	HK$8,230
35	HK$6,215	HK$8,517
36	HK$6,372	HK$8,795
37	HK$6,558	HK$9,075
38	HK$6,754	HK$9,360
39	HK$6,954	HK$9,641
40	HK$7,389	HK$10,256
41	HK$7,655	HK$10,598
42	HK$7,967	HK$10,895
43	HK$8,329	HK$11,198
44	HK$8,690	HK$11,507
45	HK$9,059	HK$11,831
46	HK$9,428	HK$12,154
47	HK$9,804	HK$12,480
48	HK$10,212	HK$12,807
49	HK$10,618	HK$13,134
50	HK$11,188	HK$13,651
51	HK$11,612	HK$13,989
52	HK$12,113	HK$14,326
53	HK$12,801	HK$14,668
54	HK$13,466	HK$15,010
55	HK$14,103	HK$15,553
56	HK$15,015	HK$16,115
57	HK$15,876	HK$16,682
58	HK$16,739	HK$17,257
59	HK$17,600	HK$18,016
60	HK$18,462	HK$18,852
61	HK$19,328	HK$19,727
62	HK$20,195	HK$20,750
63	HK$21,064	HK$21,827
64	HK$22,037	HK$22,924
65	HK$23,077	HK$24,140
66	HK$24,057	HK$25,315
67	HK$25,042	HK$26,498
68	HK$26,034	HK$27,937
69	HK$27,151	HK$29,433
70	HK$27,887	HK$30,750
71	HK$29,003	HK$32,486
72	HK$30,130	HK$34,223
73	HK$31,436	HK$36,132
74	HK$32,687	HK$37,961
75	HK$32,754	HK$38,041
76	HK$32,820	HK$38,116
77	HK$32,883	HK$38,194
78	HK$32,951	HK$38,268
79	HK$33,015	HK$38,344
80	HK$33,147	HK$38,497
81	HK$33,279	HK$38,652
82	HK$33,413	HK$38,805
83	HK$33,547	HK$38,958
84	HK$33,677	HK$39,115
85	HK$33,814	HK$39,268
86	HK$33,948	HK$39,428
87	HK$34,083	HK$39,585
88	HK$34,218	HK$39,740
89	HK$34,355	HK$39,898
90	HK$34,526	HK$40,098
91	HK$34,699	HK$40,296
92	HK$34,872	HK$40,499
93	HK$35,044	HK$40,700
94	HK$35,222	HK$40,900
95	HK$35,397	HK$41,107
96	HK$35,572	HK$41,311
97	HK$35,750	HK$41,515
98	HK$35,925	HK$41,725
99	HK$36,105	HK$41,932

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.