VHIS Flexi · F00017-01-001-04

Smart Medicare - Regular with SMM (HKD)

真智安心醫療保障 - 標準+額外醫療附加保障 (港元)

AXA China Region Insurance Company (Hong Kong) Limited

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Your premium

HK$4,059 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$116,000／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	$800 per day, maximum 180 days per Policy Year Effective from day 181 of confinement
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year Effective from day 181 of confinement
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 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	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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	$20,000 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	$580, per visit, $3,000 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	$50,000 per Policy Year
Emergency outpatient treatment for Accident 意外受傷急症門診治療	$5,000 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	$60,000 per policy
Compassionate death benefit 恩恤身故賠償	$15,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$800 per day, maximum 180 days per Policy Year
Effective from day 181 of confinement
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
Effective from day 181 of confinement
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 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
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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
$20,000 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
$580, per visit, $3,000 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
$50,000 per Policy Year
Emergency outpatient treatment for Accident
意外受傷急症門診治療
$5,000 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
$60,000 per policy
Compassionate death benefit
恩恤身故賠償
$15,000 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/F00017/F00017-01-000-04-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$4,523	HK$3,956
1	HK$4,523	HK$3,956
2	HK$4,523	HK$3,956
3	HK$4,523	HK$3,956
4	HK$4,523	HK$3,956
5	HK$3,104	HK$3,309
6	HK$3,104	HK$3,309
7	HK$3,104	HK$3,309
8	HK$3,104	HK$3,203
9	HK$3,104	HK$3,071
10	HK$3,046	HK$3,051
11	HK$3,052	HK$3,029
12	HK$3,052	HK$3,008
13	HK$3,051	HK$3,000
14	HK$3,051	HK$3,021
15	HK$3,051	HK$3,052
16	HK$3,049	HK$3,104
17	HK$3,049	HK$3,171
18	HK$3,046	HK$3,246
19	HK$3,148	HK$3,327
20	HK$3,237	HK$3,466
21	HK$3,298	HK$3,606
22	HK$3,361	HK$3,721
23	HK$3,423	HK$3,851
24	HK$3,485	HK$3,968
25	HK$3,554	HK$4,080
26	HK$3,616	HK$4,217
27	HK$3,683	HK$4,356
28	HK$3,755	HK$4,500
29	HK$3,825	HK$4,642
30	HK$4,059	HK$4,944
31	HK$4,136	HK$5,096
32	HK$4,217	HK$5,248
33	HK$4,297	HK$5,404
34	HK$4,393	HK$5,559
35	HK$4,500	HK$5,723
36	HK$4,608	HK$5,885
37	HK$4,740	HK$6,048
38	HK$4,885	HK$6,213
39	HK$5,030	HK$6,380
40	HK$5,321	HK$6,762
41	HK$5,506	HK$6,978
42	HK$5,696	HK$7,170
43	HK$5,924	HK$7,366
44	HK$6,174	HK$7,568
45	HK$6,439	HK$7,788
46	HK$6,703	HK$8,018
47	HK$6,979	HK$8,270
48	HK$7,284	HK$8,534
49	HK$7,613	HK$8,800
50	HK$8,092	HK$9,197
51	HK$8,450	HK$9,473
52	HK$8,844	HK$9,755
53	HK$9,287	HK$10,062
54	HK$9,760	HK$10,393
55	HK$10,259	HK$10,855
56	HK$10,763	HK$11,357
57	HK$11,291	HK$11,840
58	HK$11,946	HK$12,319
59	HK$12,486	HK$12,934
60	HK$13,091	HK$13,621
61	HK$13,230	HK$14,320
62	HK$14,201	HK$15,115
63	HK$14,943	HK$15,728
64	HK$15,815	HK$16,507
65	HK$17,090	HK$17,364
66	HK$18,612	HK$18,224
67	HK$19,411	HK$19,091
68	HK$20,045	HK$20,148
69	HK$20,940	HK$21,239
70	HK$21,550	HK$22,203
71	HK$22,456	HK$23,470
72	HK$23,378	HK$24,740
73	HK$24,517	HK$26,209
74	HK$25,598	HK$27,583
75	HK$25,650	HK$27,639
76	HK$25,699	HK$27,695
77	HK$25,753	HK$27,747
78	HK$25,799	HK$27,804
79	HK$25,855	HK$27,862
80	HK$25,958	HK$27,970
81	HK$26,056	HK$28,082
82	HK$26,162	HK$28,191
83	HK$26,268	HK$28,305
84	HK$26,369	HK$28,419
85	HK$26,476	HK$28,530
86	HK$26,582	HK$28,646
87	HK$26,687	HK$28,758
88	HK$26,796	HK$28,870
89	HK$26,898	HK$28,986
90	HK$27,035	HK$29,130
91	HK$27,168	HK$29,279
92	HK$27,302	HK$29,423
93	HK$27,439	HK$29,568
94	HK$27,577	HK$29,715
95	HK$27,711	HK$29,865
96	HK$27,854	HK$30,012
97	HK$27,991	HK$30,160
98	HK$28,129	HK$30,311
99	HK$28,265	HK$30,460

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: Jan 26, 2026
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.