VHIS Flexi · F00018-05-001-03

Smart Medicare - Superior with SMM (USD)

真智安心醫療保障 - 特級+額外醫療附加保障 (美元)

AXA China Region Insurance Company Limited

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Your premium

US$1,055 /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

US$176,625／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	$200 per day, maximum 180 days per Policy Year Effective from day 181 of confinement
(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 Effective from day 181 of confinement
(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 Effective from day 91 of confinement
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
Supplementary Major Medical Benefit 額外醫療附加保障	$22,500 per Policy Year, subject to 20% Coinsurance
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
Effective from day 181 of confinement
(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
Effective from day 181 of confinement
(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
Effective from day 91 of confinement
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
Supplementary Major Medical Benefit
額外醫療附加保障
$22,500 per Policy Year, subject to 20% Coinsurance

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$1,182	US$1,033
1	US$1,182	US$1,033
2	US$1,182	US$1,033
3	US$1,182	US$1,033
4	US$1,182	US$1,033
5	US$725	US$841
6	US$725	US$841
7	US$725	US$841
8	US$727	US$841
9	US$731	US$806
10	US$735	US$760
11	US$739	US$765
12	US$744	US$770
13	US$750	US$776
14	US$756	US$786
15	US$763	US$796
16	US$771	US$809
17	US$787	US$827
18	US$803	US$847
19	US$820	US$869
20	US$844	US$905
21	US$861	US$935
22	US$877	US$966
23	US$894	US$998
24	US$910	US$1,031
25	US$927	US$1,065
26	US$944	US$1,100
27	US$961	US$1,137
28	US$978	US$1,174
29	US$995	US$1,212
30	US$1,055	US$1,292
31	US$1,075	US$1,332
32	US$1,098	US$1,372
33	US$1,123	US$1,413
34	US$1,148	US$1,454
35	US$1,176	US$1,496
36	US$1,204	US$1,538
37	US$1,239	US$1,580
38	US$1,277	US$1,624
39	US$1,316	US$1,667
40	US$1,398	US$1,768
41	US$1,445	US$1,825
42	US$1,490	US$1,875
43	US$1,550	US$1,926
44	US$1,615	US$1,980
45	US$1,684	US$2,036
46	US$1,753	US$2,097
47	US$1,823	US$2,163
48	US$1,894	US$2,231
49	US$1,964	US$2,301
50	US$2,066	US$2,405
51	US$2,140	US$2,478
52	US$2,226	US$2,552
53	US$2,302	US$2,632
54	US$2,427	US$2,719
55	US$2,568	US$2,839
56	US$2,711	US$2,964
57	US$2,863	US$3,092
58	US$3,017	US$3,220
59	US$3,170	US$3,349
60	US$3,324	US$3,478
61	US$3,484	US$3,608
62	US$3,644	US$3,738
63	US$3,811	US$3,868
64	US$3,982	US$4,054
65	US$4,154	US$4,241
66	US$4,331	US$4,448
67	US$4,508	US$4,656
68	US$4,687	US$4,910
69	US$4,890	US$5,173
70	US$5,022	US$5,406
71	US$5,224	US$5,711
72	US$5,427	US$6,017
73	US$5,662	US$6,354
74	US$5,888	US$6,676
75	US$5,900	US$6,689
76	US$5,912	US$6,703
77	US$5,924	US$6,716
78	US$5,935	US$6,730
79	US$5,948	US$6,743
80	US$5,971	US$6,770
81	US$5,995	US$6,797
82	US$6,019	US$6,824
83	US$6,043	US$6,852
84	US$6,067	US$6,879
85	US$6,091	US$6,906
86	US$6,116	US$6,934
87	US$6,140	US$6,962
88	US$6,165	US$6,990
89	US$6,190	US$7,018
90	US$6,221	US$7,053
91	US$6,252	US$7,088
92	US$6,283	US$7,124
93	US$6,315	US$7,159
94	US$6,346	US$7,195
95	US$6,378	US$7,231
96	US$6,410	US$7,266
97	US$6,441	US$7,303
98	US$6,474	US$7,340
99	US$6,506	US$7,376

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.