VHIS Flexi · F00017-03-001-04

Smart Medicare - Premier with SMM (HKD)

真智安心醫療保障 - 至尊+額外醫療附加保障 (港元)

AXA China Region Insurance Company (Bermuda) Limited

Smart Medicare - Premier with SMM (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$17,641 /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

HK$420,000／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	$4,500 per day, maximum 180 days per Policy Year Effective from day 181 of confinement
(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 Effective from day 181 of confinement
(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 Effective from day 91 of confinement
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
Effective from day 181 of confinement
(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
Effective from day 181 of confinement
(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
Effective from day 91 of confinement
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$19,727	HK$17,272
1	HK$19,727	HK$17,272
2	HK$19,727	HK$17,272
3	HK$19,727	HK$17,272
4	HK$19,727	HK$17,272
5	HK$11,702	HK$14,477
6	HK$11,702	HK$14,477
7	HK$11,800	HK$14,477
8	HK$11,894	HK$13,357
9	HK$12,058	HK$13,364
10	HK$12,229	HK$13,364
11	HK$12,392	HK$13,364
12	HK$12,552	HK$13,364
13	HK$12,716	HK$13,364
14	HK$12,879	HK$13,364
15	HK$13,042	HK$13,363
16	HK$13,202	HK$13,593
17	HK$13,363	HK$13,882
18	HK$13,529	HK$14,211
19	HK$13,720	HK$14,565
20	HK$14,061	HK$15,163
21	HK$14,294	HK$15,651
22	HK$14,543	HK$16,163
23	HK$14,803	HK$16,694
24	HK$15,070	HK$17,241
25	HK$15,352	HK$17,794
26	HK$15,640	HK$18,379
27	HK$15,940	HK$18,978
28	HK$16,246	HK$19,599
29	HK$16,573	HK$20,215
30	HK$17,641	HK$21,529
31	HK$18,019	HK$22,183
32	HK$18,400	HK$22,846
33	HK$18,777	HK$23,512
34	HK$19,179	HK$24,190
35	HK$19,627	HK$24,875
36	HK$20,090	HK$25,567
37	HK$20,671	HK$26,273
38	HK$21,294	HK$26,980
39	HK$21,925	HK$27,701
40	HK$23,284	HK$29,366
41	HK$24,058	HK$30,300
42	HK$24,794	HK$31,121
43	HK$25,789	HK$31,967
44	HK$26,824	HK$32,841
45	HK$27,889	HK$33,761
46	HK$28,989	HK$34,763
47	HK$30,129	HK$35,851
48	HK$31,270	HK$36,974
49	HK$32,517	HK$38,124
50	HK$34,236	HK$39,839
51	HK$35,495	HK$41,033
52	HK$36,759	HK$42,247
53	HK$38,084	HK$43,573
54	HK$40,194	HK$44,996
55	HK$42,494	HK$47,056
56	HK$44,824	HK$49,119
57	HK$47,169	HK$51,191
58	HK$49,518	HK$53,259
59	HK$51,875	HK$55,515
60	HK$54,254	HK$58,181
61	HK$56,676	HK$60,842
62	HK$59,115	HK$63,496
63	HK$61,599	HK$66,149
64	HK$64,761	HK$69,100
65	HK$68,352	HK$72,293
66	HK$71,851	HK$75,775
67	HK$74,726	HK$79,267
68	HK$77,619	HK$82,772
69	HK$80,891	HK$87,963
70	HK$83,007	HK$91,863
71	HK$86,268	HK$97,005
72	HK$89,543	HK$102,155
73	HK$93,202	HK$107,623
74	HK$96,758	HK$112,943
75	HK$96,948	HK$113,169
76	HK$97,145	HK$113,392
77	HK$97,341	HK$113,622
78	HK$97,532	HK$113,847
79	HK$97,726	HK$114,077
80	HK$98,116	HK$114,531
81	HK$98,509	HK$114,986
82	HK$98,903	HK$115,446
83	HK$99,297	HK$115,909
84	HK$99,692	HK$116,372
85	HK$100,091	HK$116,837
86	HK$100,491	HK$117,304
87	HK$100,890	HK$117,771
88	HK$101,297	HK$118,242
89	HK$101,700	HK$118,713
90	HK$102,208	HK$119,307
91	HK$102,719	HK$119,904
92	HK$103,233	HK$120,503
93	HK$103,745	HK$121,105
94	HK$104,268	HK$121,709
95	HK$104,787	HK$122,316
96	HK$105,308	HK$122,928
97	HK$105,835	HK$123,543
98	HK$106,360	HK$124,160
99	HK$106,893	HK$124,781

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