VHIS Flexi · F00018-03-000-03

Smart Medicare - Premier (HKD)

真智安心醫療保障 - 至尊 (港元)

AXA China Region Insurance Company Limited

Add to compare

Your premium

HK$10,647 /yr

age

Ward class

Standard 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	$4,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$35,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$4,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$10,000 per Policy Year
(e) Intensive care (e) 深切治療	$8,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$16,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$40,000
Surgeon's fee — Major 外科醫生費 — 大型	$80,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$160,000
(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	$30,000 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	$980, per visit, $7,000 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	$200,000 per Policy Year
Emergency outpatient treatment for Accident 意外受傷急症門診治療	$22,000 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	$550,000 per policy
Compassionate death benefit 恩恤身故賠償	$30,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$35,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$4,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$10,000 per Policy Year
(e) Intensive care
(e) 深切治療
$8,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$16,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$40,000
Surgeon's fee — Major
外科醫生費 — 大型
$80,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$160,000
(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
$30,000 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
$980, per visit, $7,000 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
$200,000 per Policy Year
Emergency outpatient treatment for Accident
意外受傷急症門診治療
$22,000 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
$550,000 per policy
Compassionate death benefit
恩恤身故賠償
$30,000 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$14,413	HK$12,547
1	HK$14,413	HK$12,547
2	HK$14,413	HK$12,547
3	HK$14,413	HK$12,547
4	HK$14,413	HK$12,547
5	HK$7,952	HK$9,572
6	HK$7,952	HK$9,572
7	HK$7,952	HK$9,572
8	HK$7,952	HK$9,572
9	HK$7,952	HK$9,149
10	HK$7,733	HK$9,149
11	HK$7,804	HK$9,149
12	HK$7,874	HK$9,149
13	HK$7,944	HK$9,149
14	HK$8,010	HK$9,149
15	HK$8,082	HK$9,206
16	HK$8,218	HK$9,304
17	HK$8,354	HK$9,503
18	HK$8,490	HK$9,713
19	HK$8,626	HK$9,935
20	HK$8,843	HK$10,294
21	HK$8,980	HK$10,562
22	HK$9,115	HK$10,830
23	HK$9,252	HK$11,100
24	HK$9,390	HK$11,374
25	HK$9,528	HK$11,664
26	HK$9,671	HK$12,035
27	HK$9,810	HK$12,436
28	HK$9,949	HK$12,842
29	HK$10,150	HK$13,313
30	HK$10,647	HK$14,006
31	HK$10,952	HK$14,531
32	HK$11,260	HK$15,070
33	HK$11,576	HK$15,605
34	HK$11,893	HK$16,150
35	HK$12,211	HK$16,702
36	HK$12,535	HK$17,249
37	HK$12,888	HK$17,798
38	HK$13,274	HK$18,349
39	HK$13,663	HK$18,906
40	HK$14,521	HK$20,117
41	HK$15,036	HK$20,791
42	HK$15,647	HK$21,375
43	HK$16,355	HK$21,961
44	HK$17,066	HK$22,565
45	HK$17,776	HK$23,190
46	HK$18,500	HK$23,826
47	HK$19,238	HK$24,460
48	HK$20,027	HK$25,095
49	HK$20,885	HK$25,739
50	HK$22,062	HK$26,752
51	HK$22,952	HK$27,413
52	HK$23,851	HK$28,076
53	HK$24,758	HK$28,744
54	HK$26,078	HK$29,410
55	HK$27,477	HK$30,465
56	HK$28,945	HK$31,563
57	HK$30,470	HK$32,674
58	HK$32,009	HK$33,798
59	HK$33,574	HK$35,279
60	HK$35,195	HK$36,913
61	HK$36,852	HK$38,831
62	HK$38,519	HK$40,969
63	HK$40,283	HK$43,161
64	HK$42,083	HK$45,391
65	HK$44,047	HK$47,510
66	HK$45,871	HK$50,032
67	HK$47,705	HK$52,337
68	HK$49,552	HK$55,154
69	HK$51,644	HK$58,077
70	HK$52,996	HK$60,654
71	HK$55,078	HK$64,049
72	HK$57,170	HK$67,448
73	HK$59,508	HK$71,059
74	HK$61,775	HK$74,572
75	HK$61,897	HK$74,724
76	HK$62,020	HK$74,872
77	HK$62,143	HK$75,018
78	HK$62,264	HK$75,168
79	HK$62,393	HK$75,319
80	HK$62,641	HK$75,622
81	HK$62,894	HK$75,922
82	HK$63,141	HK$76,226
83	HK$63,396	HK$76,527
84	HK$63,649	HK$76,834
85	HK$63,902	HK$77,139
86	HK$64,156	HK$77,447
87	HK$64,413	HK$77,759
88	HK$64,669	HK$78,069
89	HK$64,929	HK$78,380
90	HK$65,251	HK$78,771
91	HK$65,577	HK$79,166
92	HK$65,907	HK$79,559
93	HK$66,232	HK$79,956
94	HK$66,566	HK$80,356
95	HK$66,895	HK$80,758
96	HK$67,230	HK$81,162
97	HK$67,568	HK$81,566
98	HK$67,902	HK$81,973
99	HK$68,240	HK$82,380

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

Regular (HKD)

View details →

Regular with SMM (HKD)

View details →

Superior (HKD)

View details →

Superior with SMM (HKD)

View details →

Premier (HKD)

Current page

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 →

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.