VHIS Flexi · F00017-03-000-04

Smart Medicare - Premier (HKD)

真智安心醫療保障 - 至尊 (港元)

AXA China Region Insurance Company (Bermuda) Limited

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

Your premium

HK$11,175 /yr

age

Ward class

Standard 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	$4,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$35,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$4,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$10,000 per Policy Year
(e) Intensive care (e) 深切治療	$8,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$16,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$40,000
Surgeon's fee — Major 外科醫生費 — 大型	$80,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$160,000
(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	$30,000 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	$980, per visit, $7,000 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	$200,000 per Policy Year
Emergency outpatient treatment for Accident 意外受傷急症門診治療	$22,000 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	$550,000 per policy
Compassionate death benefit 恩恤身故賠償	$30,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$35,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$4,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$10,000 per Policy Year
(e) Intensive care
(e) 深切治療
$8,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$16,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$40,000
Surgeon's fee — Major
外科醫生費 — 大型
$80,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$160,000
(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
$30,000 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
$980, per visit, $7,000 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
$200,000 per Policy Year
Emergency outpatient treatment for Accident
意外受傷急症門診治療
$22,000 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
$550,000 per policy
Compassionate death benefit
恩恤身故賠償
$30,000 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$15,129	HK$13,170
1	HK$15,129	HK$13,170
2	HK$15,129	HK$13,170
3	HK$15,129	HK$13,170
4	HK$15,129	HK$13,170
5	HK$8,345	HK$10,046
6	HK$8,345	HK$10,046
7	HK$8,345	HK$10,046
8	HK$8,345	HK$10,046
9	HK$8,345	HK$9,602
10	HK$8,115	HK$9,602
11	HK$8,190	HK$9,602
12	HK$8,263	HK$9,602
13	HK$8,337	HK$9,602
14	HK$8,406	HK$9,602
15	HK$8,482	HK$9,662
16	HK$8,624	HK$9,765
17	HK$8,767	HK$9,974
18	HK$8,910	HK$10,194
19	HK$9,053	HK$10,427
20	HK$9,281	HK$10,804
21	HK$9,424	HK$11,086
22	HK$9,566	HK$11,367
23	HK$9,710	HK$11,650
24	HK$9,855	HK$11,938
25	HK$10,000	HK$12,243
26	HK$10,150	HK$12,632
27	HK$10,296	HK$13,053
28	HK$10,442	HK$13,480
29	HK$10,653	HK$13,974
30	HK$11,175	HK$14,702
31	HK$11,495	HK$15,253
32	HK$11,818	HK$15,819
33	HK$12,150	HK$16,381
34	HK$12,483	HK$16,953
35	HK$12,817	HK$17,533
36	HK$13,157	HK$18,107
37	HK$13,528	HK$18,683
38	HK$13,933	HK$19,262
39	HK$14,342	HK$19,847
40	HK$15,243	HK$21,118
41	HK$15,783	HK$21,826
42	HK$16,425	HK$22,439
43	HK$17,168	HK$23,055
44	HK$17,915	HK$23,689
45	HK$18,660	HK$24,345
46	HK$19,420	HK$25,013
47	HK$20,195	HK$25,678
48	HK$21,024	HK$26,345
49	HK$21,925	HK$27,021
50	HK$23,161	HK$28,085
51	HK$24,095	HK$28,779
52	HK$25,039	HK$29,475
53	HK$25,991	HK$30,177
54	HK$27,377	HK$30,876
55	HK$28,846	HK$31,984
56	HK$30,388	HK$33,137
57	HK$31,989	HK$34,303
58	HK$33,605	HK$35,483
59	HK$35,248	HK$37,038
60	HK$36,950	HK$38,754
61	HK$38,690	HK$40,768
62	HK$40,440	HK$43,013
63	HK$42,293	HK$45,315
64	HK$44,183	HK$47,656
65	HK$46,245	HK$49,881
66	HK$48,160	HK$52,529
67	HK$50,086	HK$54,949
68	HK$52,025	HK$57,907
69	HK$54,222	HK$60,976
70	HK$55,641	HK$63,682
71	HK$57,827	HK$67,247
72	HK$60,024	HK$70,816
73	HK$62,479	HK$74,607
74	HK$64,859	HK$78,296
75	HK$64,987	HK$78,456
76	HK$65,116	HK$78,611
77	HK$65,246	HK$78,764
78	HK$65,373	HK$78,922
79	HK$65,508	HK$79,080
80	HK$65,769	HK$79,399
81	HK$66,034	HK$79,714
82	HK$66,294	HK$80,033
83	HK$66,561	HK$80,349
84	HK$66,827	HK$80,671
85	HK$67,093	HK$80,991
86	HK$67,359	HK$81,315
87	HK$67,629	HK$81,642
88	HK$67,898	HK$81,968
89	HK$68,171	HK$82,294
90	HK$68,509	HK$82,705
91	HK$68,851	HK$83,120
92	HK$69,198	HK$83,532
93	HK$69,539	HK$83,949
94	HK$69,890	HK$84,369
95	HK$70,235	HK$84,791
96	HK$70,587	HK$85,216
97	HK$70,942	HK$85,640
98	HK$71,293	HK$86,067
99	HK$71,647	HK$86,494

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)

Current page

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