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VHIS Flexi · F00017-05-000-04

Smart Medicare - Superior (USD)

真智安心醫療保障 - 特級 (美元)

AXA China Region Insurance Company (Bermuda) Limited

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Smart Medicare - Superior (USD) 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

US$715 /yr

age
US$

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

Basic Benefits
  • (a) Room and board
    (a) 病房及膳食
    $200 per day, maximum 180 days per Policy Year
  • (b) Miscellaneous charges
    (b) 雜項開支
    $2,500 per Policy Year
  • (c) Attending doctor's visit fee
    (c) 主診醫生巡房費
    $190 per day, maximum 180 days per Policy Year
  • (d) Specialist's fee
    (d) 專科醫生費
    $650 per Policy Year
  • (e) Intensive care
    (e) 深切治療
    $650 per day, maximum 90 days per Policy Year
  •     Surgeon's fee — Minor
    外科醫生費 — 小型
    $1,000
  •     Surgeon's fee — Intermediate
    外科醫生費 — 中型
    $2,500
  •     Surgeon's fee — Major
    外科醫生費 — 大型
    $5,000
  •     Surgeon's fee — Complex
    外科醫生費 — 複雜
    $10,390
  • (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
    $3,125 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
    $98, per visit, $650 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
    $12,500 per Policy Year
  • Emergency outpatient treatment for Accident
    意外受傷急症門診治療
    $1,250 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
    $25,000 per policy
  • Compassionate death benefit
    恩恤身故賠償
    $2,500 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$950US$825
1US$950US$825
2US$950US$825
3US$950US$825
4US$950US$825
5US$516US$626
6US$516US$626
7US$516US$626
8US$516US$626
9US$516US$597
10US$501US$597
11US$503US$597
12US$506US$597
13US$510US$597
14US$516US$597
15US$525US$600
16US$534US$608
17US$544US$621
18US$553US$635
19US$562US$650
20US$577US$674
21US$587US$692
22US$596US$710
23US$605US$728
24US$615US$746
25US$628US$766
26US$642US$791
27US$655US$818
28US$669US$845
29US$683US$876
30US$715US$923
31US$731US$958
32US$748US$994
33US$765US$1,030
34US$784US$1,067
35US$802US$1,104
36US$823US$1,141
37US$848US$1,178
38US$873US$1,215
39US$899US$1,252
40US$957US$1,333
41US$992US$1,378
42US$1,033US$1,417
43US$1,080US$1,457
44US$1,128US$1,497
45US$1,176US$1,540
46US$1,224US$1,582
47US$1,274US$1,625
48US$1,327US$1,668
49US$1,381US$1,711
50US$1,456US$1,778
51US$1,511US$1,823
52US$1,577US$1,867
53US$1,667US$1,912
54US$1,754US$1,957
55US$1,838US$2,028
56US$1,958US$2,102
57US$2,071US$2,176
58US$2,184US$2,252
59US$2,297US$2,352
60US$2,410US$2,461
61US$2,524US$2,576
62US$2,637US$2,710
63US$2,752US$2,852
64US$2,879US$2,996
65US$3,016US$3,155
66US$3,144US$3,310
67US$3,274US$3,465
68US$3,404US$3,654
69US$3,551US$3,850
70US$3,647US$4,023
71US$3,794US$4,251
72US$3,941US$4,479
73US$4,113US$4,729
74US$4,277US$4,970
75US$4,286US$4,980
76US$4,295US$4,990
77US$4,303US$5,000
78US$4,312US$5,010
79US$4,320US$5,020
80US$4,338US$5,040
81US$4,355US$5,060
82US$4,372US$5,080
83US$4,390US$5,100
84US$4,407US$5,121
85US$4,425US$5,141
86US$4,443US$5,162
87US$4,460US$5,182
88US$4,478US$5,203
89US$4,496US$5,224
90US$4,518US$5,250
91US$4,541US$5,276
92US$4,564US$5,302
93US$4,586US$5,329
94US$4,609US$5,355
95US$4,633US$5,382
96US$4,656US$5,409
97US$4,679US$5,436
98US$4,702US$5,463
99US$4,726US$5,490

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)

Current page

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