VHIS Flexi · F00017-04-001-04

Smart Medicare - Regular with SMM (USD)

真智安心醫療保障 - 標準+額外醫療附加保障 (美元)

AXA China Region Insurance Company (Bermuda) Limited

Smart Medicare - Regular with SMM (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$520 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

US$113,825／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	$100 per day, maximum 180 days per Policy Year Effective from day 181 of confinement
(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 Effective from day 181 of confinement
(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 Effective from day 91 of confinement
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
Supplementary Major Medical Benefit 額外醫療附加保障	$14,500 per Policy Year, subject to 20% Coinsurance
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

Basic Benefits

(a) Room and board
(a) 病房及膳食
$100 per day, maximum 180 days per Policy Year
Effective from day 181 of confinement
(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
Effective from day 181 of confinement
(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
Effective from day 91 of confinement
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
Supplementary Major Medical Benefit
額外醫療附加保障
$14,500 per Policy Year, subject to 20% Coinsurance

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

Age	Male	Female
0	US$580	US$506
1	US$580	US$506
2	US$580	US$506
3	US$580	US$506
4	US$580	US$506
5	US$394	US$421
6	US$394	US$421
7	US$394	US$421
8	US$394	US$407
9	US$394	US$390
10	US$387	US$387
11	US$387	US$384
12	US$387	US$382
13	US$387	US$381
14	US$387	US$384
15	US$387	US$387
16	US$387	US$394
17	US$387	US$403
18	US$387	US$413
19	US$400	US$424
20	US$412	US$442
21	US$420	US$460
22	US$428	US$475
23	US$436	US$492
24	US$444	US$508
25	US$453	US$522
26	US$462	US$540
27	US$470	US$558
28	US$480	US$578
29	US$489	US$596
30	US$520	US$636
31	US$530	US$656
32	US$540	US$676
33	US$551	US$696
34	US$564	US$716
35	US$577	US$738
36	US$592	US$759
37	US$609	US$781
38	US$628	US$802
39	US$647	US$824
40	US$685	US$874
41	US$709	US$903
42	US$734	US$928
43	US$764	US$954
44	US$797	US$980
45	US$832	US$1,009
46	US$867	US$1,039
47	US$903	US$1,072
48	US$943	US$1,107
49	US$986	US$1,142
50	US$1,049	US$1,194
51	US$1,096	US$1,230
52	US$1,148	US$1,267
53	US$1,206	US$1,308
54	US$1,268	US$1,351
55	US$1,333	US$1,412
56	US$1,400	US$1,477
57	US$1,469	US$1,541
58	US$1,555	US$1,604
59	US$1,626	US$1,684
60	US$1,705	US$1,775
61	US$1,723	US$1,866
62	US$1,851	US$1,971
63	US$1,948	US$2,051
64	US$2,062	US$2,153
65	US$2,230	US$2,266
66	US$2,430	US$2,379
67	US$2,535	US$2,492
68	US$2,618	US$2,632
69	US$2,735	US$2,774
70	US$2,815	US$2,901
71	US$2,934	US$3,067
72	US$3,055	US$3,234
73	US$3,205	US$3,427
74	US$3,347	US$3,607
75	US$3,354	US$3,615
76	US$3,360	US$3,622
77	US$3,367	US$3,629
78	US$3,373	US$3,636
79	US$3,380	US$3,644
80	US$3,394	US$3,658
81	US$3,407	US$3,673
82	US$3,420	US$3,687
83	US$3,435	US$3,702
84	US$3,448	US$3,717
85	US$3,462	US$3,731
86	US$3,476	US$3,747
87	US$3,490	US$3,761
88	US$3,504	US$3,776
89	US$3,517	US$3,791
90	US$3,535	US$3,810
91	US$3,552	US$3,830
92	US$3,570	US$3,849
93	US$3,588	US$3,868
94	US$3,606	US$3,887
95	US$3,624	US$3,907
96	US$3,643	US$3,926
97	US$3,661	US$3,945
98	US$3,679	US$3,965
99	US$3,697	US$3,985

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)

Current page

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