VHIS Flexi · F00018-05-000-03

Smart Medicare - Superior (USD)

真智安心醫療保障 - 特級 (美元)

AXA China Region Insurance Company Limited

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Your premium

US$681 /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	$200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$2,500 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$190 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$650 per Policy Year
(e) Intensive care (e) 深切治療	$650 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$1,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$2,500
Surgeon's fee — Major 外科醫生費 — 大型	$5,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$10,390
(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	$3,125 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	$98, per visit, $650 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	$12,500 per Policy Year
Emergency outpatient treatment for Accident 意外受傷急症門診治療	$1,250 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	$25,000 per policy
Compassionate death benefit 恩恤身故賠償	$2,500 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$2,500 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$190 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$650 per Policy Year
(e) Intensive care
(e) 深切治療
$650 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$1,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$2,500
Surgeon's fee — Major
外科醫生費 — 大型
$5,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$10,390
(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
$3,125 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
$98, per visit, $650 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
$12,500 per Policy Year
Emergency outpatient treatment for Accident
意外受傷急症門診治療
$1,250 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
$25,000 per policy
Compassionate death benefit
恩恤身故賠償
$2,500 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$905	US$786
1	US$905	US$786
2	US$905	US$786
3	US$905	US$786
4	US$905	US$786
5	US$492	US$596
6	US$492	US$596
7	US$492	US$596
8	US$492	US$596
9	US$492	US$569
10	US$478	US$569
11	US$479	US$569
12	US$482	US$569
13	US$486	US$569
14	US$491	US$569
15	US$500	US$572
16	US$509	US$578
17	US$518	US$591
18	US$527	US$605
19	US$536	US$619
20	US$550	US$642
21	US$559	US$659
22	US$567	US$676
23	US$576	US$693
24	US$586	US$710
25	US$598	US$729
26	US$611	US$753
27	US$624	US$779
28	US$637	US$805
29	US$651	US$835
30	US$681	US$879
31	US$696	US$912
32	US$712	US$946
33	US$729	US$981
34	US$746	US$1,016
35	US$764	US$1,052
36	US$784	US$1,087
37	US$807	US$1,122
38	US$832	US$1,157
39	US$856	US$1,193
40	US$911	US$1,269
41	US$944	US$1,312
42	US$983	US$1,349
43	US$1,028	US$1,387
44	US$1,074	US$1,426
45	US$1,120	US$1,466
46	US$1,166	US$1,506
47	US$1,213	US$1,547
48	US$1,264	US$1,588
49	US$1,315	US$1,629
50	US$1,386	US$1,694
51	US$1,439	US$1,736
52	US$1,502	US$1,778
53	US$1,587	US$1,821
54	US$1,671	US$1,864
55	US$1,750	US$1,932
56	US$1,864	US$2,002
57	US$1,972	US$2,073
58	US$2,080	US$2,144
59	US$2,188	US$2,240
60	US$2,295	US$2,344
61	US$2,403	US$2,453
62	US$2,512	US$2,581
63	US$2,621	US$2,716
64	US$2,742	US$2,853
65	US$2,872	US$3,005
66	US$2,994	US$3,152
67	US$3,118	US$3,300
68	US$3,242	US$3,480
69	US$3,382	US$3,666
70	US$3,473	US$3,831
71	US$3,613	US$4,048
72	US$3,754	US$4,265
73	US$3,917	US$4,504
74	US$4,073	US$4,733
75	US$4,082	US$4,742
76	US$4,090	US$4,752
77	US$4,098	US$4,762
78	US$4,106	US$4,771
79	US$4,114	US$4,780
80	US$4,131	US$4,800
81	US$4,147	US$4,819
82	US$4,164	US$4,838
83	US$4,181	US$4,857
84	US$4,197	US$4,877
85	US$4,214	US$4,896
86	US$4,231	US$4,916
87	US$4,248	US$4,935
88	US$4,265	US$4,955
89	US$4,282	US$4,975
90	US$4,303	US$5,000
91	US$4,325	US$5,025
92	US$4,346	US$5,050
93	US$4,368	US$5,075
94	US$4,390	US$5,100
95	US$4,412	US$5,126
96	US$4,434	US$5,151
97	US$4,456	US$5,177
98	US$4,478	US$5,203
99	US$4,501	US$5,229

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.