VHIS Flexi · F00017-06-001-04

Smart Medicare - Premier with SMM (USD)

真智安心醫療保障 - 至尊+額外醫療附加保障 (美元)

AXA China Region Insurance Company (Bermuda) Limited

Smart Medicare - Premier with SMM (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$2,192 /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

US$412,125／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	$570 per day, maximum 180 days per Policy Year Effective from day 181 of confinement
(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 Effective from day 181 of confinement
(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 Effective from day 91 of confinement
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
Supplementary Major Medical Benefit 額外醫療附加保障	$52,500 per Policy Year, subject to 20% Coinsurance
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
Effective from day 181 of confinement
(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
Effective from day 181 of confinement
(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
Effective from day 91 of confinement
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
Supplementary Major Medical Benefit
額外醫療附加保障
$52,500 per Policy Year, subject to 20% Coinsurance

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$2,453	US$2,147
1	US$2,453	US$2,147
2	US$2,453	US$2,147
3	US$2,453	US$2,147
4	US$2,453	US$2,147
5	US$1,450	US$1,797
6	US$1,450	US$1,797
7	US$1,462	US$1,797
8	US$1,474	US$1,657
9	US$1,495	US$1,658
10	US$1,516	US$1,658
11	US$1,536	US$1,658
12	US$1,556	US$1,658
13	US$1,577	US$1,658
14	US$1,597	US$1,658
15	US$1,618	US$1,658
16	US$1,638	US$1,686
17	US$1,658	US$1,723
18	US$1,679	US$1,764
19	US$1,702	US$1,808
20	US$1,745	US$1,883
21	US$1,774	US$1,944
22	US$1,805	US$2,008
23	US$1,838	US$2,074
24	US$1,871	US$2,142
25	US$1,906	US$2,212
26	US$1,942	US$2,285
27	US$1,980	US$2,360
28	US$2,018	US$2,437
29	US$2,059	US$2,514
30	US$2,192	US$2,679
31	US$2,240	US$2,760
32	US$2,288	US$2,843
33	US$2,335	US$2,926
34	US$2,385	US$3,011
35	US$2,441	US$3,097
36	US$2,499	US$3,184
37	US$2,571	US$3,271
38	US$2,649	US$3,360
39	US$2,728	US$3,450
40	US$2,898	US$3,658
41	US$2,995	US$3,775
42	US$3,087	US$3,878
43	US$3,211	US$3,983
44	US$3,340	US$4,093
45	US$3,473	US$4,208
46	US$3,611	US$4,333
47	US$3,754	US$4,468
48	US$3,896	US$4,609
49	US$4,052	US$4,753
50	US$4,267	US$4,968
51	US$4,424	US$5,117
52	US$4,582	US$5,268
53	US$4,748	US$5,434
54	US$5,012	US$5,612
55	US$5,299	US$5,870
56	US$5,590	US$6,127
57	US$5,883	US$6,386
58	US$6,177	US$6,645
59	US$6,472	US$6,927
60	US$6,769	US$7,260
61	US$7,072	US$7,592
62	US$7,377	US$7,924
63	US$7,687	US$8,256
64	US$8,082	US$8,625
65	US$8,531	US$9,024
66	US$8,969	US$9,459
67	US$9,328	US$9,896
68	US$9,690	US$10,334
69	US$10,099	US$10,983
70	US$10,363	US$11,471
71	US$10,771	US$12,113
72	US$11,180	US$12,757
73	US$11,638	US$13,440
74	US$12,082	US$14,105
75	US$12,106	US$14,134
76	US$12,130	US$14,162
77	US$12,155	US$14,190
78	US$12,179	US$14,218
79	US$12,203	US$14,247
80	US$12,252	US$14,304
81	US$12,301	US$14,361
82	US$12,350	US$14,418
83	US$12,400	US$14,476
84	US$12,449	US$14,534
85	US$12,499	US$14,592
86	US$12,549	US$14,650
87	US$12,599	US$14,709
88	US$12,649	US$14,768
89	US$12,700	US$14,826
90	US$12,764	US$14,901
91	US$12,827	US$14,976
92	US$12,891	US$15,050
93	US$12,956	US$15,125
94	US$13,021	US$15,201
95	US$13,086	US$15,277
96	US$13,151	US$15,354
97	US$13,217	US$15,430
98	US$13,282	US$15,508
99	US$13,349	US$15,585

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)

Current page

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