VHIS Flexi · F00017-05-001-04

Smart Medicare - Superior with SMM (USD)

真智安心醫療保障 - 特級+額外醫療附加保障 (美元)

AXA China Region Insurance Company (Bermuda) Limited

Smart Medicare - Superior with SMM (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$1,108 /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

US$176,625／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	$200 per day, maximum 180 days per Policy Year Effective from day 181 of confinement
(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 Effective from day 181 of confinement
(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 Effective from day 91 of confinement
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
Supplementary Major Medical Benefit 額外醫療附加保障	$22,500 per Policy Year, subject to 20% Coinsurance
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

Basic Benefits

(a) Room and board
(a) 病房及膳食
$200 per day, maximum 180 days per Policy Year
Effective from day 181 of confinement
(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
Effective from day 181 of confinement
(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
Effective from day 91 of confinement
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
Supplementary Major Medical Benefit
額外醫療附加保障
$22,500 per Policy Year, subject to 20% Coinsurance

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

Age	Male	Female
0	US$1,242	US$1,085
1	US$1,242	US$1,085
2	US$1,242	US$1,085
3	US$1,242	US$1,085
4	US$1,242	US$1,085
5	US$761	US$883
6	US$761	US$883
7	US$761	US$883
8	US$764	US$883
9	US$768	US$847
10	US$772	US$798
11	US$776	US$803
12	US$781	US$808
13	US$787	US$815
14	US$794	US$825
15	US$801	US$836
16	US$809	US$850
17	US$826	US$869
18	US$844	US$890
19	US$860	US$912
20	US$886	US$950
21	US$904	US$982
22	US$921	US$1,014
23	US$939	US$1,048
24	US$956	US$1,083
25	US$974	US$1,118
26	US$991	US$1,155
27	US$1,009	US$1,194
28	US$1,027	US$1,233
29	US$1,045	US$1,273
30	US$1,108	US$1,357
31	US$1,129	US$1,398
32	US$1,153	US$1,440
33	US$1,179	US$1,483
34	US$1,206	US$1,526
35	US$1,235	US$1,571
36	US$1,264	US$1,615
37	US$1,301	US$1,659
38	US$1,341	US$1,705
39	US$1,382	US$1,751
40	US$1,468	US$1,857
41	US$1,517	US$1,916
42	US$1,564	US$1,969
43	US$1,628	US$2,023
44	US$1,696	US$2,079
45	US$1,768	US$2,138
46	US$1,841	US$2,202
47	US$1,914	US$2,271
48	US$1,988	US$2,343
49	US$2,062	US$2,416
50	US$2,169	US$2,526
51	US$2,247	US$2,602
52	US$2,338	US$2,679
53	US$2,417	US$2,764
54	US$2,548	US$2,855
55	US$2,697	US$2,981
56	US$2,846	US$3,112
57	US$3,006	US$3,246
58	US$3,168	US$3,381
59	US$3,329	US$3,516
60	US$3,490	US$3,652
61	US$3,658	US$3,788
62	US$3,827	US$3,924
63	US$4,002	US$4,062
64	US$4,182	US$4,257
65	US$4,362	US$4,453
66	US$4,547	US$4,671
67	US$4,734	US$4,889
68	US$4,922	US$5,156
69	US$5,134	US$5,432
70	US$5,273	US$5,676
71	US$5,485	US$5,996
72	US$5,698	US$6,318
73	US$5,946	US$6,671
74	US$6,183	US$7,010
75	US$6,195	US$7,024
76	US$6,208	US$7,038
77	US$6,220	US$7,052
78	US$6,232	US$7,066
79	US$6,245	US$7,080
80	US$6,270	US$7,109
81	US$6,295	US$7,137
82	US$6,320	US$7,166
83	US$6,345	US$7,194
84	US$6,371	US$7,223
85	US$6,396	US$7,252
86	US$6,422	US$7,281
87	US$6,448	US$7,310
88	US$6,473	US$7,339
89	US$6,499	US$7,368
90	US$6,532	US$7,406
91	US$6,564	US$7,443
92	US$6,597	US$7,480
93	US$6,630	US$7,517
94	US$6,663	US$7,555
95	US$6,696	US$7,592
96	US$6,730	US$7,630
97	US$6,763	US$7,668
98	US$6,797	US$7,707
99	US$6,831	US$7,745

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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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