Smart Medicare
Also known as: 真智安心醫療保障
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Last checked
Smart Medicare is recorded as VHIS medical. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates
At a glance
- Insurer
- AXA China Region Insurance Company Limited
- Product category
- VHIS medical
- Policy currencies
- HKD / USD
- Premium payment terms
- Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed.
- Issue ages & basis
View 1 options
Issue ages & basis Recorded information Premium payment terms / Age basis 14 days to 80 years
Age basis: Age last birthday
- VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.
Decision sheet
6 of 14 known · 0 not published · 8 not yet checked
- What it pays and when
Benefit term: Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed.Public source · Checked:
Recorded features: VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.Public source · Checked:
- Benefit limits
- not yet checked
- Premium and payment term
Premium payment terms: Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed.Public source · Checked:
- How premiums can change
- not yet checked
- Guaranteed / non-guaranteed
- not yet checked
- Waiting periods
- not yet checked
- Main exclusions
Published key exclusions (not exhaustive): Treatments, procedures, medications, tests or services that are not medically necessary.Public source · Checked:
Published key exclusions (not exhaustive): Confinement solely for diagnostic procedures or allied health services, unless a doctor recommends it as medically necessary.Public source · Checked:
Published key exclusions (not exhaustive): HIV and related illness contracted before the policy effective date.Public source · Checked:
Published key exclusions (not exhaustive): Examples only; full policy terms and exceptions apply.Public source · Checked:
- Surrender / cancellation
- not yet checked
- Cooling-off
- not yet checked
- Riders
- not yet checked
- Claims steps
Insurer claims guide · Medical / VHIS
Medical / VHIS — Steps: The claims page includes Cancer Therapy/Cancer and Stroke Therapy plans: complete the relevant forms and provide supporting documents.Public source · Checked:
Medical / VHIS — Required documents: Hospital form I, physician form II, ID copy if new; keep originals for 6 months after claim completion.Public source · Checked: Public source · Checked:
Medical / VHIS — Deadlines / notification: Submit within 90 days of discharge or completed medical service, following the selected plan’s instructions.Public source · Checked:
Medical / VHIS — Submission channels: Emma by AXA (eligible claims up to HK$100,000), post or financial consultant; confirm the applicable plan selection.Public source · Checked:
Medical / VHIS — Payment methods: Form I: HKD autopay to a Hong Kong claimant-owned account with bank proof, or telegraphic transfer with the request letter and bank proof.Public source · Checked:
Medical / VHIS — Assessment / payment timing: The page describes processing within 7 working days after all required documents arrive; approval notification is separate from payment.Public source · Checked:
- Policy servicing from abroad
- not yet checked
- Complaints and dispute routes
1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:
2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:
3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:
ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:
- Deductibles / room / renewal
VHIS plan type: Flexi PlanPublic source · Checked:
Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (9)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- When and how can premiums change?
- What is the waiting period for illness claims?
- What are the cancellation terms and any surrender value or charges?
- Which riders are available, and what are their costs and terms?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- Which benefits and values are guaranteed, and which are not?
Certified VHIS benefits and renewal
Amounts apply only to the identified option and the benefit items in its certified schedule. Read the linked schedule for shared limits, coinsurance, territorial and room restrictions, waiting periods and exceptions. This summary does not replace the policy.
Renewal does not fix future premiums. The policy's portfolio premium adjustment provisions and renewal conditions apply.
Regular (HKD) · HKD · F00018-01-000-03
Certified option / product ID: F00018-01-000-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: HKD 800 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: HKD 14,000 per policy year · PDF page 60
- Attending doctor's visits: HKD 750 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: HKD 4,300 per policy year · PDF page 60
- Intensive care: HKD 3,500 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 50,000 / HKD 25,000 / HKD 12,500 / HKD 5,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: HKD 20,000 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: HKD 80,000 per policy year · PDF page 60
- Pre/post confinement or day procedure outpatient care: HKD 580 / HKD 3,000 per visit / policy year; 1 prior and 3 follow-up visits within 90 days · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: HKD 30,000 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
Regular with SMM (HKD) · HKD · F00018-01-001-03
Certified option / product ID: F00018-01-001-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: HKD 800 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: HKD 14,000 per policy year · PDF page 60
- Attending doctor's visits: HKD 750 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: HKD 4,300 per policy year · PDF page 60
- Intensive care: HKD 3,500 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 50,000 / HKD 25,000 / HKD 12,500 / HKD 5,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: HKD 20,000 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: HKD 80,000 per policy year · PDF page 60
- Pre/post confinement or day procedure outpatient care: HKD 580 / HKD 3,000 per visit / policy year; 1 prior and 3 follow-up visits within 90 days · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: HKD 30,000 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
Superior (HKD) · HKD · F00018-02-000-03
Certified option / product ID: F00018-02-000-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: HKD 1,600 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: HKD 20,000 per policy year · PDF page 60
- Attending doctor's visits: HKD 1,500 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: HKD 5,000 per policy year · PDF page 60
- Intensive care: HKD 5,000 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 80,000 / HKD 40,000 / HKD 20,000 / HKD 8,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: HKD 25,000 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: HKD 80,000 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: HKD 30,000 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Superior with SMM (HKD) · HKD · F00018-02-001-03
Certified option / product ID: F00018-02-001-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: HKD 1,600 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: HKD 20,000 per policy year · PDF page 60
- Attending doctor's visits: HKD 1,500 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: HKD 5,000 per policy year · PDF page 60
- Intensive care: HKD 5,000 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 80,000 / HKD 40,000 / HKD 20,000 / HKD 8,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: HKD 25,000 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: HKD 80,000 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: HKD 30,000 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Premier (HKD) · HKD · F00018-03-000-03
Certified option / product ID: F00018-03-000-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: HKD 4,500 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: HKD 35,000 per policy year · PDF page 60
- Attending doctor's visits: HKD 4,500 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: HKD 10,000 per policy year · PDF page 60
- Intensive care: HKD 8,000 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 160,000 / HKD 80,000 / HKD 40,000 / HKD 16,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: HKD 30,000 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: HKD 80,000 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: HKD 30,000 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Premier with SMM (HKD) · HKD · F00018-03-001-03
Certified option / product ID: F00018-03-001-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: HKD 4,500 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: HKD 35,000 per policy year · PDF page 60
- Attending doctor's visits: HKD 4,500 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: HKD 10,000 per policy year · PDF page 60
- Intensive care: HKD 8,000 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 160,000 / HKD 80,000 / HKD 40,000 / HKD 16,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: HKD 30,000 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: HKD 80,000 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: HKD 30,000 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Regular (USD) · USD · F00018-04-000-03
Certified option / product ID: F00018-04-000-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: USD 100 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: USD 1,820 per policy year · PDF page 60
- Attending doctor's visits: USD 98 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: USD 560 per policy year · PDF page 60
- Intensive care: USD 455 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: USD 6,495 / USD 3,250 / USD 1,625 / USD 650 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: USD 2,598 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: USD 10,390 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: USD 3,898 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Regular with SMM (USD) · USD · F00018-04-001-03
Certified option / product ID: F00018-04-001-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: USD 100 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: USD 1,820 per policy year · PDF page 60
- Attending doctor's visits: USD 98 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: USD 560 per policy year · PDF page 60
- Intensive care: USD 455 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: USD 6,495 / USD 3,250 / USD 1,625 / USD 650 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: USD 2,598 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: USD 10,390 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: USD 3,898 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Superior (USD) · USD · F00018-05-000-03
Certified option / product ID: F00018-05-000-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: USD 200 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: USD 2,500 per policy year · PDF page 60
- Attending doctor's visits: USD 190 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: USD 650 per policy year · PDF page 60
- Intensive care: USD 650 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: USD 10,390 / USD 5,000 / USD 2,500 / USD 1,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: USD 3,125 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: USD 10,390 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: USD 3,898 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Superior with SMM (USD) · USD · F00018-05-001-03
Certified option / product ID: F00018-05-001-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: USD 200 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: USD 2,500 per policy year · PDF page 60
- Attending doctor's visits: USD 190 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: USD 650 per policy year · PDF page 60
- Intensive care: USD 650 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: USD 10,390 / USD 5,000 / USD 2,500 / USD 1,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: USD 3,125 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: USD 10,390 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: USD 3,898 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Premier (USD) · USD · F00018-06-000-03
Certified option / product ID: F00018-06-000-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: USD 570 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: USD 4,380 per policy year · PDF page 60
- Attending doctor's visits: USD 570 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: USD 1,250 per policy year · PDF page 60
- Intensive care: USD 1,000 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: USD 20,000 / USD 10,390 / USD 5,000 / USD 2,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: USD 3,750 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: USD 10,390 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: USD 3,898 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Premier with SMM (USD) · USD · F00018-06-001-03
Certified option / product ID: F00018-06-001-03-004
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: No aggregate annual cap stated for these benefit items; item limits still apply · PDF page 61
- Room and board: USD 570 per day · Maximum 180 days per policy year · PDF page 60
- Miscellaneous charges: USD 4,380 per policy year · PDF page 60
- Attending doctor's visits: USD 570 per day · Maximum 180 days per policy year · PDF page 60
- Specialist's fees: USD 1,250 per policy year · PDF page 60
- Intensive care: USD 1,000 per day · Maximum 90 days per policy year · PDF page 60
- Surgeon's fees: Complex / major / intermediate / minor surgery: USD 20,000 / USD 10,390 / USD 5,000 / USD 2,000 per surgery · PDF page 60
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 60
- Prescribed diagnostic imaging: USD 3,750 per policy year · PDF page 60
- Prescribed non-surgical cancer treatment: USD 10,390 per policy year · PDF page 60
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 16
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 27
- Psychiatric treatment: USD 3,898 per policy year · PDF page 60
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
More product information from this insurer:
Cancer And Stroke Therapy Insurance
- VHIS medical
- HKD
- USD
- Premium term band: Renewable
- Issue-age band: Children (0–17)
- Issue-age band: Adults (18–64)
- Issue-age band: Older adults (65+)
- AXA
Goals and audience categories described by product type
- Hong Kong health insurance: VHIS, medical, critical illness
- Students abroad
- Young professionals
- Parents and family cover
- Approaching retirement
- Grandparents and grandchildren
- Newborns
- Retirees
- Everyday savers
- Aircrew and seafarers
- Employers of domestic helpers
- Expat insurance in Hong Kong
- Freelancers and self-employed people
- Medical professionals
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Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information | ||||
|---|---|---|---|---|---|
| Product category | VHIS medical | ||||
| Policy currencies | HKD / USD | ||||
| Premium payment terms | Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed. | ||||
| Benefit term | Renewable / Guaranteed annual renewal up to age 100; premiums are not guaranteed. | ||||
| Issue ages & basis |
| ||||
| Recorded features | VHIS flexi plan listed by the Health Bureau; check the certification number and selected option. | ||||
| VHIS plan type | Flexi Plan | ||||
| Published key exclusions (not exhaustive) |
|
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Which current and prior editions can be matched?
A retrieved product page is a lookup source, not a dated replacement notice. The fields below remain unknown unless a dated notice and affected wording establish the link. Publication, policy effectiveness, withdrawal and CI adoption are separate events; a later purchase or brochure does not replace an existing contract.
How do the HKFI 2026 definitions apply?
Individual evidence gaps
– Not established by the reviewed public sources
| Product | Official source | Current policy edition linked to a dated notice | Prior policy edition linked to that notice | Prior policy wording source | Edition-change notice publication date | Edition-change effective date | Prior edition withdrawal date |
|---|---|---|---|---|---|---|---|
| Smart Medicare | [1] | – | – | – | – | – | – |
Official lookup sources and dated notices
- [1] Section: Public product page or document; dated replacement notice not established · Retrieved by plain HTTP; a dated edition pair is not established · Checked:
A source edition, publication date or effective date is shown only where the source establishes it; otherwise it remains unknown.
Sources & verification dates
Sources & verification dates
Checked:
- Health Bureau — certified plan identity, currencies and availability
Source date: Not confirmed
Checked:
- Official brochure — plan summary: terms, issue age and currency; PDF page 7; HPPM 801-RDE
Source date: Not confirmed / Page: 7
- Official product page (en) — live; no sale or closure date shown
Source date: Not confirmed
- Official brochure — key exclusions; PDF page 12; HPPM 801-RDE
Source date: Not confirmed / Page: 12
- Health Bureau certified flexi plan list — plan date ; currencies; not renewal-only
Source date: