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 (Bermuda) Limited

Smart Medicare - Superior with SMM (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$8,967 /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

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$10,031	HK$8,780
1	HK$10,031	HK$8,780
2	HK$10,031	HK$8,780
3	HK$10,031	HK$8,780
4	HK$10,031	HK$8,780
5	HK$6,188	HK$7,163
6	HK$6,188	HK$7,163
7	HK$6,188	HK$7,163
8	HK$6,213	HK$7,163
9	HK$6,239	HK$6,875
10	HK$6,272	HK$6,487
11	HK$6,311	HK$6,526
12	HK$6,350	HK$6,565
13	HK$6,398	HK$6,622
14	HK$6,449	HK$6,702
15	HK$6,507	HK$6,787
16	HK$6,576	HK$6,900
17	HK$6,711	HK$7,048
18	HK$6,850	HK$7,218
19	HK$6,985	HK$7,398
20	HK$7,191	HK$7,705
21	HK$7,333	HK$7,954
22	HK$7,473	HK$8,214
23	HK$7,612	HK$8,484
24	HK$7,750	HK$8,761
25	HK$7,891	HK$9,048
26	HK$8,030	HK$9,338
27	HK$8,173	HK$9,649
28	HK$8,315	HK$9,966
29	HK$8,458	HK$10,284
30	HK$8,967	HK$10,953
31	HK$9,133	HK$11,288
32	HK$9,326	HK$11,624
33	HK$9,534	HK$11,967
34	HK$9,748	HK$12,310
35	HK$9,978	HK$12,665
36	HK$10,215	HK$13,020
37	HK$10,510	HK$13,376
38	HK$10,830	HK$13,742
39	HK$11,154	HK$14,106
40	HK$11,845	HK$14,955
41	HK$12,237	HK$15,429
42	HK$12,614	HK$15,852
43	HK$13,124	HK$16,283
44	HK$13,668	HK$16,727
45	HK$14,247	HK$17,203
46	HK$14,828	HK$17,716
47	HK$15,412	HK$18,271
48	HK$16,008	HK$18,842
49	HK$16,599	HK$19,426
50	HK$17,454	HK$20,304
51	HK$18,081	HK$20,915
52	HK$18,799	HK$21,536
53	HK$19,433	HK$22,208
54	HK$20,486	HK$22,939
55	HK$21,676	HK$23,952
56	HK$22,872	HK$25,000
57	HK$24,152	HK$26,073
58	HK$25,440	HK$27,152
59	HK$26,732	HK$28,232
60	HK$28,024	HK$29,318
61	HK$29,368	HK$30,407
62	HK$30,713	HK$31,495
63	HK$32,112	HK$32,597
64	HK$33,556	HK$34,154
65	HK$34,996	HK$35,726
66	HK$36,477	HK$37,464
67	HK$37,971	HK$39,215
68	HK$39,474	HK$41,348
69	HK$41,175	HK$43,559
70	HK$42,283	HK$45,509
71	HK$43,978	HK$48,073
72	HK$45,685	HK$50,646
73	HK$47,664	HK$53,472
74	HK$49,563	HK$56,180
75	HK$49,660	HK$56,291
76	HK$49,761	HK$56,405
77	HK$49,857	HK$56,518
78	HK$49,958	HK$56,630
79	HK$50,062	HK$56,743
80	HK$50,259	HK$56,971
81	HK$50,461	HK$57,198
82	HK$50,662	HK$57,427
83	HK$50,861	HK$57,657
84	HK$51,066	HK$57,886
85	HK$51,268	HK$58,116
86	HK$51,476	HK$58,348
87	HK$51,681	HK$58,581
88	HK$51,885	HK$58,813
89	HK$52,093	HK$59,049
90	HK$52,354	HK$59,347
91	HK$52,614	HK$59,641
92	HK$52,877	HK$59,939
93	HK$53,143	HK$60,237
94	HK$53,405	HK$60,536
95	HK$53,673	HK$60,839
96	HK$53,940	HK$61,141
97	HK$54,209	HK$61,448
98	HK$54,479	HK$61,755
99	HK$54,752	HK$62,062

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)

Current page

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