VHIS Plan
Smart Medicare
真智安心醫療保障
AXA China Region Insurance Company (Hong Kong) Limited·12 plan options
Smart Medicare is a VHIS Flexi plan offered by AXA China Region Insurance Company (Hong Kong) Limited, with ward class Ward, Worldwide coverage and full coverage (no annual benefit limit). Latest plan-document version: Jan 26, 2026.
Data version: Jan 26, 2026
Plan options
Plan option
Regular (HKD)
Entry premium (Age 30 male non-smoker)
HK$2,611 /yr
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Plan option
Regular with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$4,059 /yr
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Plan option
Superior (HKD)
Entry premium (Age 30 male non-smoker)
HK$5,548 /yr
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Plan option
Superior with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$8,544 /yr
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Plan option
Premier (HKD)
Entry premium (Age 30 male non-smoker)
HK$10,647 /yr
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Plan option
Premier with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$16,805 /yr
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Plan option
Regular (USD)
Entry premium (Age 30 male non-smoker)
US$314/yr
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Plan option
Regular with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$495/yr
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Plan option
Superior (USD)
Entry premium (Age 30 male non-smoker)
US$681/yr
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Plan option
Superior with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$1,055/yr
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Plan option
Premier (USD)
Entry premium (Age 30 male non-smoker)
US$1,318/yr
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Plan option
Premier with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$2,088/yr
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- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jan 26, 2026
- Last verified
- 2026-04-25