Smart Medicare is a VHIS Flexi plan offered by AXA China Region Insurance Company (Bermuda) Limited, with no ward-class restriction, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Jul 2, 2026.
Plan options
12 options — premiums differ; deductible, ward class or cover may also differPlan option
Regular (HKD)
Entry premium (Age 30 male non-smoker)
HK$2,737 /yr
View details →
Plan option
Regular with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$4,257 /yr
View details →
Plan option
Superior (HKD)
Entry premium (Age 30 male non-smoker)
HK$5,821 /yr
View details →
Plan option
Superior with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$8,967 /yr
View details →
Plan option
Premier (HKD)
Entry premium (Age 30 male non-smoker)
HK$11,175 /yr
View details →
Plan option
Premier with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$17,641 /yr
View details →
Plan option
Regular (USD)
Entry premium (Age 30 male non-smoker)
US$329.6/yr
View details →
Plan option
Regular with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$519.8/yr
View details →
Plan option
Superior (USD)
Entry premium (Age 30 male non-smoker)
US$714.8/yr
View details →
Plan option
Superior with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$1,108.2/yr
View details →
Plan option
Premier (USD)
Entry premium (Age 30 male non-smoker)
US$1,384.1/yr
View details →
Plan option
Premier with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$2,192.4/yr
View details →
Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Regular (HKD) | HK$3,634 | HK$2,148 | HK$2,214 | HK$2,737 | HK$3,645 | HK$5,599 | HK$9,301 | HK$15,302 | HK$18,430 |
| Regular with SMM (HKD) | HK$4,745 | HK$3,194 | HK$3,394 | HK$4,257 | HK$5,583 | HK$8,492 | HK$13,741 | HK$22,623 | HK$27,251 |
| Superior (HKD) | HK$7,699 | HK$4,113 | HK$4,719 | HK$5,821 | HK$7,754 | HK$11,743 | HK$19,381 | HK$29,277 | HK$34,800 |
| Superior with SMM (HKD) | HK$10,031 | HK$6,272 | HK$7,191 | HK$8,967 | HK$11,845 | HK$17,454 | HK$28,024 | HK$42,283 | HK$50,259 |
| Premier (HKD) | HK$15,129 | HK$8,115 | HK$9,281 | HK$11,175 | HK$15,243 | HK$23,161 | HK$36,950 | HK$55,641 | HK$65,769 |
| Premier with SMM (HKD) | HK$19,727 | HK$12,229 | HK$14,061 | HK$17,641 | HK$23,284 | HK$34,236 | HK$54,254 | HK$83,007 | HK$98,116 |
| Regular (USD) | US$441.7 | US$255.9 | US$264.1 | US$329.6 | US$443 | US$687.3 | US$1,149.9 | US$1,900.2 | US$2,291.1 |
| Regular with SMM (USD) | US$580.5 | US$386.8 | US$411.6 | US$519.8 | US$685.2 | US$1,048.8 | US$1,705.4 | US$2,815.4 | US$3,393.8 |
| Superior (USD) | US$949.9 | US$501.4 | US$577.2 | US$714.8 | US$956.9 | US$1,455.5 | US$2,410.2 | US$3,647 | US$4,337.5 |
| Superior with SMM (USD) | US$1,241.5 | US$771.5 | US$886.4 | US$1,108.2 | US$1,468.1 | US$2,169.2 | US$3,490.2 | US$5,272.7 | US$6,269.6 |
| Premier (USD) | US$1,878.8 | US$1,002 | US$1,147.6 | US$1,384.1 | US$1,892.8 | US$2,882.5 | US$4,606.4 | US$6,942.5 | US$8,208.5 |
| Premier with SMM (USD) | US$2,453.4 | US$1,515.9 | US$1,745.1 | US$2,192.4 | US$2,897.9 | US$4,267 | US$6,769.1 | US$10,363.1 | US$12,252 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Regular (HKD) | HK$3,160 | HK$2,291 | HK$2,581 | HK$3,534 | HK$5,076 | HK$6,799 | HK$9,451 | HK$15,581 | HK$19,639 |
| Regular with SMM (HKD) | HK$4,149 | HK$3,199 | HK$3,635 | HK$5,187 | HK$7,096 | HK$9,652 | HK$14,298 | HK$23,309 | HK$29,364 |
| Superior (HKD) | HK$6,700 | HK$4,878 | HK$5,492 | HK$7,482 | HK$10,764 | HK$14,329 | HK$19,790 | HK$32,283 | HK$40,417 |
| Superior with SMM (HKD) | HK$8,780 | HK$6,487 | HK$7,705 | HK$10,953 | HK$14,955 | HK$20,304 | HK$29,318 | HK$45,509 | HK$56,971 |
| Premier (HKD) | HK$13,170 | HK$9,602 | HK$10,804 | HK$14,702 | HK$21,118 | HK$28,085 | HK$38,754 | HK$63,682 | HK$79,399 |
| Premier with SMM (HKD) | HK$17,272 | HK$13,364 | HK$15,163 | HK$21,529 | HK$29,366 | HK$39,839 | HK$58,181 | HK$91,863 | HK$114,531 |
| Regular (USD) | US$382.5 | US$273.8 | US$310.1 | US$429.2 | US$622 | US$837.4 | US$1,168.9 | US$1,935.1 | US$2,442.2 |
| Regular with SMM (USD) | US$506.1 | US$387.1 | US$442 | US$635.6 | US$874.5 | US$1,194 | US$1,774.7 | US$2,901 | US$3,657.9 |
| Superior (USD) | US$825 | US$597.2 | US$673.9 | US$922.8 | US$1,332.9 | US$1,778.5 | US$2,461.1 | US$4,022.9 | US$5,039.5 |
| Superior with SMM (USD) | US$1,084.9 | US$798.4 | US$950.5 | US$1,356.6 | US$1,856.8 | US$2,525.5 | US$3,652.2 | US$5,675.8 | US$7,108.8 |
| Premier (USD) | US$1,633.8 | US$1,187.7 | US$1,338 | US$1,825.1 | US$2,627.3 | US$3,498.1 | US$4,831.8 | US$7,947.5 | US$9,912.3 |
| Premier with SMM (USD) | US$2,146.6 | US$1,658.1 | US$1,882.9 | US$2,678.6 | US$3,658.4 | US$4,967.5 | US$7,260.1 | US$11,470.6 | US$14,303.7 |
How to apply for this plan
This plan is offered by AXA China Region Insurance Company (Bermuda) Limited. To apply, contact AXA China Region Insurance Company (Bermuda) Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jul 2, 2026
- Plan data updated
- 2026-07-07