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VHIS Flexi · F00017-04-000-04

Smart Medicare - Regular (USD)

真智安心醫療保障 - 標準 (美元)

AXA China Region Insurance Company (Bermuda) Limited

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Smart Medicare - Regular (USD) is a VHIS Flexi plan offered by AXA China Region Insurance Company (Bermuda) Limited, with ward class Ward, Worldwide coverage and full coverage (no annual benefit limit). Latest plan-document version: Jul 2, 2026.

Your premium

US$330 /yr

age
US$

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Basic Benefits
  • (a) Room and board
    (a) 病房及膳食
    $100 per day, maximum 180 days per Policy Year
  • (b) Miscellaneous charges
    (b) 雜項開支
    $1,820 per Policy Year
  • (c) Attending doctor's visit fee
    (c) 主診醫生巡房費
    $98 per day, maximum 180 days per Policy Year
  • (d) Specialist's fee
    (d) 專科醫生費
    $560 per Policy Year
  • (e) Intensive care
    (e) 深切治療
    $455 per day, maximum 90 days per Policy Year
  •     Surgeon's fee — Minor
    外科醫生費 — 小型
    $650
  •     Surgeon's fee — Intermediate
    外科醫生費 — 中型
    $1,625
  •     Surgeon's fee — Major
    外科醫生費 — 大型
    $3,250
  •     Surgeon's fee — Complex
    外科醫生費 — 複雜
    $6,495
  • (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
    $2,598 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
    $76, per visit, $390 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
    $6,495 per Policy Year
  • Emergency outpatient treatment for Accident
    意外受傷急症門診治療
    $650 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
    $7,500 per policy
  • Compassionate death benefit
    恩恤身故賠償
    $1,875 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/F00017/F00017-01-000-04-PlanDoc-c.pdf

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · USD

AgeMaleFemale
0US$442US$382
1US$442US$382
2US$442US$382
3US$442US$382
4US$442US$382
5US$264US$287
6US$264US$287
7US$264US$287
8US$264US$287
9US$264US$274
10US$256US$274
11US$225US$274
12US$228US$274
13US$231US$274
14US$235US$274
15US$240US$276
16US$244US$279
17US$248US$285
18US$253US$292
19US$257US$299
20US$264US$310
21US$269US$319
22US$273US$327
23US$278US$336
24US$282US$345
25US$289US$355
26US$295US$366
27US$302US$379
28US$308US$392
29US$315US$407
30US$330US$429
31US$338US$446
32US$346US$463
33US$354US$481
34US$362US$498
35US$372US$516
36US$382US$534
37US$393US$552
38US$406US$569
39US$418US$586
40US$443US$622
41US$461US$646
42US$481US$665
43US$504US$684
44US$526US$703
45US$550US$724
46US$573US$744
47US$596US$764
48US$622US$784
49US$649US$805
50US$687US$837
51US$720US$858
52US$756US$880
53US$797US$901
54US$841US$922
55US$888US$957
56US$937US$992
57US$987US$1,032
58US$1,043US$1,068
59US$1,094US$1,116
60US$1,150US$1,169
61US$1,213US$1,227
62US$1,280US$1,311
63US$1,352US$1,364
64US$1,444US$1,413
65US$1,540US$1,461
66US$1,632US$1,586
67US$1,695US$1,662
68US$1,766US$1,755
69US$1,846US$1,850
70US$1,900US$1,935
71US$1,981US$2,046
72US$2,062US$2,158
73US$2,164US$2,287
74US$2,260US$2,408
75US$2,264US$2,413
76US$2,269US$2,418
77US$2,273US$2,423
78US$2,278US$2,428
79US$2,282US$2,433
80US$2,291US$2,442
81US$2,300US$2,452
82US$2,310US$2,462
83US$2,319US$2,472
84US$2,328US$2,482
85US$2,337US$2,491
86US$2,346US$2,501
87US$2,356US$2,511
88US$2,366US$2,521
89US$2,374US$2,532
90US$2,386US$2,544
91US$2,398US$2,557
92US$2,410US$2,570
93US$2,422US$2,582
94US$2,435US$2,595
95US$2,447US$2,608
96US$2,459US$2,621
97US$2,471US$2,634
98US$2,483US$2,647
99US$2,496US$2,661

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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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources
Official benefit schedule
VHIS.gov.hk benefit schedule PDF
Official premium schedule
VHIS.gov.hk premium schedule PDF
Schedule effective date
Jul 2, 2026
Last verified
2026-07-07