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 (Hong Kong) Limited

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Your premium

US$1,318 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

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	$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

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

Age	Male	Female
0	US$1,789	US$1,556
1	US$1,789	US$1,556
2	US$1,789	US$1,556
3	US$1,789	US$1,556
4	US$1,789	US$1,556
5	US$981	US$1,184
6	US$981	US$1,184
7	US$981	US$1,184
8	US$981	US$1,184
9	US$981	US$1,131
10	US$954	US$1,131
11	US$963	US$1,131
12	US$972	US$1,131
13	US$980	US$1,131
14	US$989	US$1,131
15	US$998	US$1,138
16	US$1,015	US$1,150
17	US$1,032	US$1,175
18	US$1,049	US$1,202
19	US$1,066	US$1,229
20	US$1,093	US$1,274
21	US$1,110	US$1,308
22	US$1,127	US$1,341
23	US$1,144	US$1,375
24	US$1,161	US$1,409
25	US$1,178	US$1,445
26	US$1,196	US$1,492
27	US$1,214	US$1,542
28	US$1,231	US$1,593
29	US$1,256	US$1,652
30	US$1,318	US$1,738
31	US$1,356	US$1,804
32	US$1,395	US$1,871
33	US$1,435	US$1,938
34	US$1,474	US$2,006
35	US$1,514	US$2,075
36	US$1,554	US$2,144
37	US$1,598	US$2,212
38	US$1,646	US$2,281
39	US$1,695	US$2,351
40	US$1,803	US$2,502
41	US$1,867	US$2,586
42	US$1,943	US$2,659
43	US$2,032	US$2,732
44	US$2,121	US$2,808
45	US$2,209	US$2,886
46	US$2,300	US$2,966
47	US$2,392	US$3,045
48	US$2,491	US$3,124
49	US$2,598	US$3,205
50	US$2,745	US$3,332
51	US$2,857	US$3,414
52	US$2,969	US$3,497
53	US$3,082	US$3,580
54	US$3,247	US$3,664
55	US$3,422	US$3,796
56	US$3,606	US$3,933
57	US$3,796	US$4,072
58	US$3,989	US$4,212
59	US$4,184	US$4,398
60	US$4,387	US$4,602
61	US$4,594	US$4,841
62	US$4,802	US$5,109
63	US$5,023	US$5,382
64	US$5,248	US$5,661
65	US$5,493	US$5,926
66	US$5,721	US$6,241
67	US$5,950	US$6,530
68	US$6,181	US$6,882
69	US$6,443	US$7,247
70	US$6,612	US$7,569
71	US$6,872	US$7,994
72	US$7,134	US$8,418
73	US$7,426	US$8,870
74	US$7,710	US$9,309
75	US$7,725	US$9,328
76	US$7,740	US$9,346
77	US$7,756	US$9,365
78	US$7,771	US$9,383
79	US$7,787	US$9,402
80	US$7,818	US$9,440
81	US$7,849	US$9,478
82	US$7,880	US$9,516
83	US$7,912	US$9,553
84	US$7,944	US$9,592
85	US$7,975	US$9,630
86	US$8,007	US$9,669
87	US$8,039	US$9,708
88	US$8,071	US$9,746
89	US$8,104	US$9,785
90	US$8,144	US$9,834
91	US$8,185	US$9,883
92	US$8,226	US$9,932
93	US$8,266	US$9,982
94	US$8,308	US$10,032
95	US$8,349	US$10,082
96	US$8,391	US$10,133
97	US$8,433	US$10,183
98	US$8,475	US$10,234
99	US$8,517	US$10,285

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.