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VHIS Flexi · F00017-06-000-04

Smart Medicare - Premier (USD)

真智安心醫療保障 - 至尊 (美元)

AXA China Region Insurance Company (Bermuda) Limited

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Smart Medicare - Premier (USD) 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

US$1,384 /yr

age
US$

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

Basic Benefits
  • (a) Room and board
    (a) 病房及膳食
    $570 per day, maximum 180 days per Policy Year
  • (b) Miscellaneous charges
    (b) 雜項開支
    $4,380 per Policy Year
  • (c) Attending doctor's visit fee
    (c) 主診醫生巡房費
    $570 per day, maximum 180 days per Policy Year
  • (d) Specialist's fee
    (d) 專科醫生費
    $1,250 per Policy Year
  • (e) Intensive care
    (e) 深切治療
    $1,000 per day, maximum 90 days per Policy Year
  •     Surgeon's fee — Minor
    外科醫生費 — 小型
    $2,000
  •     Surgeon's fee — Intermediate
    外科醫生費 — 中型
    $5,000
  •     Surgeon's fee — Major
    外科醫生費 — 大型
    $10,390
  •     Surgeon's fee — Complex
    外科醫生費 — 複雜
    $20,000
  • (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
    $3,750 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
    $123, per visit, $875 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
    $25,000 per Policy Year
  • Emergency outpatient treatment for Accident
    意外受傷急症門診治療
    $2,750 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
    $68,750 per policy
  • Compassionate death benefit
    恩恤身故賠償
    $3,750 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$1,879US$1,634
1US$1,879US$1,634
2US$1,879US$1,634
3US$1,879US$1,634
4US$1,879US$1,634
5US$1,030US$1,243
6US$1,030US$1,243
7US$1,030US$1,243
8US$1,030US$1,243
9US$1,030US$1,188
10US$1,002US$1,188
11US$1,011US$1,188
12US$1,020US$1,188
13US$1,030US$1,188
14US$1,038US$1,188
15US$1,048US$1,195
16US$1,066US$1,208
17US$1,083US$1,234
18US$1,101US$1,262
19US$1,119US$1,291
20US$1,148US$1,338
21US$1,165US$1,373
22US$1,183US$1,408
23US$1,201US$1,444
24US$1,219US$1,480
25US$1,237US$1,518
26US$1,256US$1,567
27US$1,274US$1,619
28US$1,293US$1,672
29US$1,319US$1,734
30US$1,384US$1,825
31US$1,424US$1,894
32US$1,465US$1,965
33US$1,506US$2,035
34US$1,548US$2,107
35US$1,590US$2,179
36US$1,632US$2,251
37US$1,678US$2,323
38US$1,729US$2,395
39US$1,780US$2,468
40US$1,893US$2,627
41US$1,960US$2,716
42US$2,040US$2,792
43US$2,134US$2,869
44US$2,227US$2,949
45US$2,320US$3,030
46US$2,415US$3,114
47US$2,512US$3,197
48US$2,615US$3,281
49US$2,728US$3,365
50US$2,882US$3,498
51US$3,000US$3,585
52US$3,118US$3,672
53US$3,236US$3,760
54US$3,410US$3,847
55US$3,594US$3,985
56US$3,786US$4,130
57US$3,986US$4,275
58US$4,188US$4,423
59US$4,394US$4,618
60US$4,606US$4,832
61US$4,824US$5,084
62US$5,042US$5,364
63US$5,274US$5,652
64US$5,510US$5,944
65US$5,768US$6,223
66US$6,008US$6,553
67US$6,248US$6,856
68US$6,490US$7,226
69US$6,765US$7,610
70US$6,942US$7,948
71US$7,216US$8,393
72US$7,490US$8,840
73US$7,797US$9,313
74US$8,095US$9,774
75US$8,111US$9,794
76US$8,127US$9,814
77US$8,143US$9,833
78US$8,159US$9,853
79US$8,176US$9,872
80US$8,208US$9,912
81US$8,241US$9,952
82US$8,274US$9,991
83US$8,307US$10,031
84US$8,341US$10,071
85US$8,374US$10,111
86US$8,407US$10,152
87US$8,441US$10,193
88US$8,475US$10,233
89US$8,509US$10,274
90US$8,551US$10,326
91US$8,594US$10,377
92US$8,637US$10,429
93US$8,680US$10,481
94US$8,723US$10,533
95US$8,767US$10,586
96US$8,811US$10,640
97US$8,855US$10,692
98US$8,899US$10,746
99US$8,943US$10,799

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)

Current page

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