VHIS Flexi · F00017-02-001-04

Smart Medicare - Superior with SMM (HKD)

真智安心醫療保障 - 特級+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$8,544 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$180,000／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	$1,600 per day, maximum 180 days per Policy Year Effective from day 181 of confinement
(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 Effective from day 181 of confinement
(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 Effective from day 91 of confinement
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
Effective from day 181 of confinement
(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
Effective from day 181 of confinement
(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
Effective from day 91 of confinement
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$9,558	HK$8,366
1	HK$9,558	HK$8,366
2	HK$9,558	HK$8,366
3	HK$9,558	HK$8,366
4	HK$9,558	HK$8,366
5	HK$5,898	HK$6,826
6	HK$5,898	HK$6,826
7	HK$5,898	HK$6,826
8	HK$5,921	HK$6,826
9	HK$5,946	HK$6,552
10	HK$5,978	HK$6,182
11	HK$6,015	HK$6,220
12	HK$6,052	HK$6,257
13	HK$6,098	HK$6,311
14	HK$6,146	HK$6,387
15	HK$6,201	HK$6,468
16	HK$6,267	HK$6,576
17	HK$6,396	HK$6,717
18	HK$6,528	HK$6,879
19	HK$6,657	HK$7,050
20	HK$6,853	HK$7,342
21	HK$6,988	HK$7,580
22	HK$7,121	HK$7,827
23	HK$7,254	HK$8,084
24	HK$7,385	HK$8,348
25	HK$7,520	HK$8,621
26	HK$7,652	HK$8,898
27	HK$7,788	HK$9,194
28	HK$7,923	HK$9,496
29	HK$8,060	HK$9,799
30	HK$8,544	HK$10,436
31	HK$8,702	HK$10,755
32	HK$8,886	HK$11,075
33	HK$9,084	HK$11,401
34	HK$9,288	HK$11,728
35	HK$9,507	HK$12,066
36	HK$9,733	HK$12,404
37	HK$10,014	HK$12,743
38	HK$10,319	HK$13,092
39	HK$10,627	HK$13,439
40	HK$11,285	HK$14,247
41	HK$11,659	HK$14,699
42	HK$12,018	HK$15,101
43	HK$12,503	HK$15,512
44	HK$13,021	HK$15,935
45	HK$13,573	HK$16,388
46	HK$14,126	HK$16,877
47	HK$14,682	HK$17,405
48	HK$15,250	HK$17,949
49	HK$15,813	HK$18,505
50	HK$16,627	HK$19,341
51	HK$17,224	HK$19,923
52	HK$17,908	HK$20,515
53	HK$18,512	HK$21,155
54	HK$19,515	HK$21,851
55	HK$20,648	HK$22,816
56	HK$21,787	HK$23,814
57	HK$23,006	HK$24,836
58	HK$24,233	HK$25,863
59	HK$25,463	HK$26,892
60	HK$26,694	HK$27,926
61	HK$27,974	HK$28,963
62	HK$29,255	HK$30,000
63	HK$30,587	HK$31,049
64	HK$31,962	HK$32,532
65	HK$33,334	HK$34,029
66	HK$34,744	HK$35,684
67	HK$36,167	HK$37,352
68	HK$37,599	HK$39,383
69	HK$39,219	HK$41,489
70	HK$40,274	HK$43,346
71	HK$41,888	HK$45,788
72	HK$43,514	HK$48,239
73	HK$45,399	HK$50,930
74	HK$47,207	HK$53,509
75	HK$47,300	HK$53,615
76	HK$47,396	HK$53,723
77	HK$47,487	HK$53,831
78	HK$47,583	HK$53,938
79	HK$47,682	HK$54,045
80	HK$47,870	HK$54,262
81	HK$48,062	HK$54,479
82	HK$48,254	HK$54,697
83	HK$48,443	HK$54,916
84	HK$48,639	HK$55,134
85	HK$48,831	HK$55,353
86	HK$49,029	HK$55,574
87	HK$49,224	HK$55,796
88	HK$49,419	HK$56,017
89	HK$49,617	HK$56,241
90	HK$49,865	HK$56,525
91	HK$50,113	HK$56,805
92	HK$50,363	HK$57,089
93	HK$50,617	HK$57,373
94	HK$50,866	HK$57,658
95	HK$51,121	HK$57,946
96	HK$51,376	HK$58,234
97	HK$51,632	HK$58,526
98	HK$51,889	HK$58,819
99	HK$52,149	HK$59,111

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.