AXA Smart Medicare is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00018-06-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,825 |
| 45 | HK$3,030 |
| 60 | HK$4,832 |
| 75 | HK$9,794 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$570 |
| Hospital charges | HK$4,380 |
| Doctor's visits | HK$570 |
| Specialist fees | HK$1,250 |
| Intensive care | HK$1,000 |
| Surgeon's fee | HK$20,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$3,750 |
| Non-surgical cancer treatment | HK$10,390 |
| Outpatient before and after | HK$875 |
| Psychiatric treatment | HK$3,898 |
Also includes outpatient general, dental, kidney dialysis, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.13 |
|---|---|
| Pre-existing conditions unknown at application | First Policy Year no coverage, Second Policy Year 25% reimbursement, Third Policy Year 50% reimbursement, Fourth Policy Year onwards full coverage p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid p.4 |
| Switching from another plan | Possible to switch to another plan with upgrade or addition of benefits, subject to re-underwriting for the upgraded/added benefits p.15 |
| Room class | not restricted p.18 |
| If a higher room is used | not restricted p.18 |
| Geographical cover | worldwide p.18 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide p.18 |
| Full cover on core benefits | no p.40 |
| Annual limit | Nil p.41 |
| Lifetime limit | Nil p.18 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests p.40 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure, $123 per visit, up to $875 per Policy Year p.40 |
| Post-discharge outpatient | 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days, $123 per visit, up to $875 per Policy Year p.40 |
| General outpatient | none |
| Psychiatric treatment | $3,898 per Policy Year p.40 |
| Diagnostic imaging coinsurance | 30% p.40 |
| Non-surgical cancer treatment | $10,390 per Policy Year p.40 |
| Kidney dialysis | Outpatient kidney dialysis, $25,000 per Policy Year p.35 |
| Day case procedures | Covered as in-patient for various benefits, subject to individual benefit limits p.19 |
| Home nursing | none |
| Hospice care | none p.29 |
| Chinese medicine | none p.25 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges, and as follow-up outpatient visit within 90 days post-discharge, subject to respective benefit limits p.20 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | none p.25 |
| Emergency dental | Emergency Treatment and surgery during Confinement arising from an Accident p.25 |
| Hospital cash | none |
| Companion bed | none |
| Second medical opinion | none |
| Direct billing and pre-authorisation | none p.1 |
| No-claim discount | 15% of annual premium if no claim made for 3 preceding policy years p.37 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.24 |
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.