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 (Hong Kong) Limited

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Your premium

HK$16,805 /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

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$18,792	HK$16,454
1	HK$18,792	HK$16,454
2	HK$18,792	HK$16,454
3	HK$18,792	HK$16,454
4	HK$18,792	HK$16,454
5	HK$11,149	HK$13,792
6	HK$11,149	HK$13,792
7	HK$11,242	HK$13,792
8	HK$11,332	HK$12,725
9	HK$11,488	HK$12,732
10	HK$11,651	HK$12,732
11	HK$11,806	HK$12,732
12	HK$11,959	HK$12,732
13	HK$12,115	HK$12,732
14	HK$12,270	HK$12,732
15	HK$12,425	HK$12,731
16	HK$12,578	HK$12,950
17	HK$12,731	HK$13,225
18	HK$12,889	HK$13,539
19	HK$13,071	HK$13,876
20	HK$13,396	HK$14,445
21	HK$13,618	HK$14,910
22	HK$13,855	HK$15,398
23	HK$14,102	HK$15,903
24	HK$14,357	HK$16,424
25	HK$14,625	HK$16,951
26	HK$14,900	HK$17,508
27	HK$15,185	HK$18,079
28	HK$15,477	HK$18,670
29	HK$15,788	HK$19,257
30	HK$16,805	HK$20,508
31	HK$17,165	HK$21,131
32	HK$17,528	HK$21,762
33	HK$17,887	HK$22,397
34	HK$18,270	HK$23,042
35	HK$18,697	HK$23,695
36	HK$19,138	HK$24,354
37	HK$19,691	HK$25,026
38	HK$20,284	HK$25,700
39	HK$20,885	HK$26,386
40	HK$22,180	HK$27,972
41	HK$22,917	HK$28,861
42	HK$23,618	HK$29,643
43	HK$24,565	HK$30,449
44	HK$25,551	HK$31,281
45	HK$26,565	HK$32,158
46	HK$27,613	HK$33,112
47	HK$28,699	HK$34,148
48	HK$29,785	HK$35,218
49	HK$30,973	HK$36,313
50	HK$32,610	HK$37,946
51	HK$33,809	HK$39,083
52	HK$35,013	HK$40,240
53	HK$36,275	HK$41,502
54	HK$38,284	HK$42,858
55	HK$40,475	HK$44,820
56	HK$42,694	HK$46,784
57	HK$44,927	HK$48,758
58	HK$47,164	HK$50,727
59	HK$49,409	HK$52,876
60	HK$51,675	HK$55,415
61	HK$53,981	HK$57,949
62	HK$56,304	HK$60,477
63	HK$58,670	HK$63,003
64	HK$61,681	HK$65,814
65	HK$65,101	HK$68,855
66	HK$68,434	HK$72,171
67	HK$71,172	HK$75,497
68	HK$73,927	HK$78,835
69	HK$77,043	HK$83,779
70	HK$79,059	HK$87,493
71	HK$82,164	HK$92,390
72	HK$85,283	HK$97,295
73	HK$88,768	HK$102,502
74	HK$92,155	HK$107,569
75	HK$92,336	HK$107,784
76	HK$92,523	HK$107,997
77	HK$92,710	HK$108,216
78	HK$92,892	HK$108,430
79	HK$93,077	HK$108,649
80	HK$93,448	HK$109,081
81	HK$93,822	HK$109,515
82	HK$94,198	HK$109,953
83	HK$94,573	HK$110,394
84	HK$94,949	HK$110,835
85	HK$95,329	HK$111,278
86	HK$95,710	HK$111,722
87	HK$96,090	HK$112,167
88	HK$96,478	HK$112,616
89	HK$96,861	HK$113,064
90	HK$97,345	HK$113,630
91	HK$97,832	HK$114,199
92	HK$98,321	HK$114,769
93	HK$98,809	HK$115,342
94	HK$99,307	HK$115,918
95	HK$99,801	HK$116,496
96	HK$100,298	HK$117,079
97	HK$100,800	HK$117,664
98	HK$101,300	HK$118,252
99	HK$101,807	HK$118,843

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.