VHIS Flexi · F00017-02-000-04

Smart Medicare - Superior (HKD)

真智安心醫療保障 - 特級 (港元)

AXA China Region Insurance Company (Bermuda) Limited

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

Your premium

HK$5,821 /yr

age

Ward class

Semi-Private Room

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

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$1,600 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$20,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$5,000 per Policy Year
(e) Intensive care (e) 深切治療	$5,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$8,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$20,000
Surgeon's fee — Major 外科醫生費 — 大型	$40,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$80,000
(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	$25,000 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	$780, per visit, $5,000 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	$100,000 per Policy Year
Emergency outpatient treatment for Accident 意外受傷急症門診治療	$10,000 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	$200,000 per policy
Compassionate death benefit 恩恤身故賠償	$20,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,600 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$20,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$5,000 per Policy Year
(e) Intensive care
(e) 深切治療
$5,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$8,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$20,000
Surgeon's fee — Major
外科醫生費 — 大型
$40,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$80,000
(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
$25,000 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
$780, per visit, $5,000 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
$100,000 per Policy Year
Emergency outpatient treatment for Accident
意外受傷急症門診治療
$10,000 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
$200,000 per policy
Compassionate death benefit
恩恤身故賠償
$20,000 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$7,699	HK$6,700
1	HK$7,699	HK$6,700
2	HK$7,699	HK$6,700
3	HK$7,699	HK$6,700
4	HK$7,699	HK$6,700
5	HK$4,233	HK$5,106
6	HK$4,233	HK$5,106
7	HK$4,233	HK$5,106
8	HK$4,233	HK$5,106
9	HK$4,233	HK$4,878
10	HK$4,113	HK$4,878
11	HK$4,127	HK$4,878
12	HK$4,146	HK$4,878
13	HK$4,181	HK$4,878
14	HK$4,225	HK$4,878
15	HK$4,300	HK$4,906
16	HK$4,377	HK$4,960
17	HK$4,451	HK$5,067
18	HK$4,525	HK$5,180
19	HK$4,601	HK$5,297
20	HK$4,719	HK$5,492
21	HK$4,793	HK$5,634
22	HK$4,866	HK$5,777
23	HK$4,941	HK$5,923
24	HK$5,020	HK$6,069
25	HK$5,128	HK$6,229
26	HK$5,234	HK$6,427
27	HK$5,341	HK$6,642
28	HK$5,451	HK$6,861
29	HK$5,567	HK$7,112
30	HK$5,821	HK$7,482
31	HK$5,950	HK$7,762
32	HK$6,083	HK$8,053
33	HK$6,223	HK$8,342
34	HK$6,369	HK$8,637
35	HK$6,521	HK$8,938
36	HK$6,686	HK$9,230
37	HK$6,881	HK$9,524
38	HK$7,087	HK$9,823
39	HK$7,297	HK$10,119
40	HK$7,754	HK$10,764
41	HK$8,033	HK$11,123
42	HK$8,361	HK$11,435
43	HK$8,741	HK$11,753
44	HK$9,120	HK$12,078
45	HK$9,507	HK$12,418
46	HK$9,895	HK$12,757
47	HK$10,290	HK$13,099
48	HK$10,718	HK$13,443
49	HK$11,144	HK$13,786
50	HK$11,743	HK$14,329
51	HK$12,188	HK$14,684
52	HK$12,714	HK$15,038
53	HK$13,437	HK$15,397
54	HK$14,135	HK$15,756
55	HK$14,804	HK$16,326
56	HK$15,761	HK$16,916
57	HK$16,665	HK$17,512
58	HK$17,571	HK$18,115
59	HK$18,475	HK$18,912
60	HK$19,381	HK$19,790
61	HK$20,290	HK$20,709
62	HK$21,200	HK$21,783
63	HK$22,113	HK$22,914
64	HK$23,134	HK$24,066
65	HK$24,226	HK$25,342
66	HK$25,255	HK$26,576
67	HK$26,290	HK$27,818
68	HK$27,331	HK$29,329
69	HK$28,504	HK$30,900
70	HK$29,277	HK$32,283
71	HK$30,449	HK$34,106
72	HK$31,632	HK$35,930
73	HK$33,003	HK$37,934
74	HK$34,317	HK$39,855
75	HK$34,387	HK$39,939
76	HK$34,456	HK$40,017
77	HK$34,523	HK$40,099
78	HK$34,594	HK$40,177
79	HK$34,661	HK$40,257
80	HK$34,800	HK$40,417
81	HK$34,938	HK$40,580
82	HK$35,079	HK$40,741
83	HK$35,220	HK$40,901
84	HK$35,356	HK$41,066
85	HK$35,500	HK$41,227
86	HK$35,641	HK$41,395
87	HK$35,783	HK$41,560
88	HK$35,924	HK$41,722
89	HK$36,068	HK$41,888
90	HK$36,248	HK$42,098
91	HK$36,429	HK$42,306
92	HK$36,611	HK$42,519
93	HK$36,792	HK$42,730
94	HK$36,979	HK$42,940
95	HK$37,162	HK$43,158
96	HK$37,346	HK$43,372
97	HK$37,533	HK$43,586
98	HK$37,717	HK$43,807
99	HK$37,906	HK$44,024

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)

Current page

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