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 (Hong Kong) Limited

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Your premium

US$2,088 /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

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$2,336	US$2,044
1	US$2,336	US$2,044
2	US$2,336	US$2,044
3	US$2,336	US$2,044
4	US$2,336	US$2,044
5	US$1,381	US$1,711
6	US$1,381	US$1,711
7	US$1,392	US$1,711
8	US$1,404	US$1,578
9	US$1,424	US$1,579
10	US$1,444	US$1,579
11	US$1,463	US$1,579
12	US$1,482	US$1,579
13	US$1,502	US$1,579
14	US$1,521	US$1,579
15	US$1,541	US$1,579
16	US$1,560	US$1,606
17	US$1,579	US$1,640
18	US$1,599	US$1,680
19	US$1,621	US$1,722
20	US$1,662	US$1,793
21	US$1,689	US$1,851
22	US$1,719	US$1,912
23	US$1,750	US$1,975
24	US$1,782	US$2,040
25	US$1,816	US$2,106
26	US$1,850	US$2,176
27	US$1,886	US$2,247
28	US$1,922	US$2,321
29	US$1,961	US$2,395
30	US$2,088	US$2,551
31	US$2,133	US$2,629
32	US$2,178	US$2,708
33	US$2,224	US$2,787
34	US$2,271	US$2,868
35	US$2,325	US$2,949
36	US$2,380	US$3,032
37	US$2,449	US$3,116
38	US$2,523	US$3,200
39	US$2,598	US$3,286
40	US$2,760	US$3,484
41	US$2,852	US$3,595
42	US$2,940	US$3,693
43	US$3,058	US$3,794
44	US$3,181	US$3,898
45	US$3,308	US$4,007
46	US$3,439	US$4,126
47	US$3,575	US$4,256
48	US$3,710	US$4,390
49	US$3,859	US$4,526
50	US$4,064	US$4,731
51	US$4,214	US$4,873
52	US$4,364	US$5,017
53	US$4,522	US$5,175
54	US$4,773	US$5,345
55	US$5,047	US$5,590
56	US$5,324	US$5,835
57	US$5,603	US$6,082
58	US$5,883	US$6,328
59	US$6,164	US$6,597
60	US$6,447	US$6,914
61	US$6,735	US$7,231
62	US$7,026	US$7,547
63	US$7,321	US$7,863
64	US$7,697	US$8,214
65	US$8,125	US$8,594
66	US$8,542	US$9,009
67	US$8,884	US$9,425
68	US$9,228	US$9,842
69	US$9,618	US$10,460
70	US$9,870	US$10,924
71	US$10,258	US$11,536
72	US$10,648	US$12,149
73	US$11,084	US$12,800
74	US$11,507	US$13,434
75	US$11,530	US$13,460
76	US$11,553	US$13,487
77	US$11,576	US$13,514
78	US$11,599	US$13,541
79	US$11,622	US$13,568
80	US$11,668	US$13,622
81	US$11,715	US$13,677
82	US$11,762	US$13,732
83	US$11,809	US$13,787
84	US$11,856	US$13,842
85	US$11,904	US$13,897
86	US$11,951	US$13,953
87	US$11,999	US$14,008
88	US$12,047	US$14,064
89	US$12,095	US$14,120
90	US$12,156	US$14,191
91	US$12,216	US$14,262
92	US$12,278	US$14,333
93	US$12,339	US$14,405
94	US$12,400	US$14,477
95	US$12,463	US$14,549
96	US$12,525	US$14,622
97	US$12,588	US$14,696
98	US$12,650	US$14,769
99	US$12,713	US$14,843

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)

Current page

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.