ByCompany

Bank of China Group Insurance Company Limited — same-insurer plan comparison

Bank of China Group Insurance Company Limited · 9 plan series (9 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

9/9

BOC Standard Voluntary Health Insurance Scheme Certified Plan

中銀標準自願醫保計劃認可產品

Ver. Apr 1, 2021

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00035-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan

中銀靈活自願醫保計劃認可產品 - 基本計劃

Ver. Apr 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00028-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with upgraded benefits 1

中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障1

Ver. Apr 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00028-01-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with upgraded benefits 2

中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障2

Ver. Apr 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00028-01-002-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with upgraded benefits 3

中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障3

Ver. Apr 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00028-01-003-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with SMM

中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障

Ver. Apr 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00028-01-004-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $100,000 · 20% co-insurance

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with SMM & upgraded benefits 1

中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障+升級保障1

Ver. Apr 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00028-01-005-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $100,000 · 20% co-insurance

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with SMM & upgraded benefits 2

中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障+升級保障2

Ver. Apr 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00028-01-006-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $100,000 · 20% co-insurance

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with SMM & upgraded benefits 3

中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障+升級保障3

Ver. Apr 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00028-01-007-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $100,000 · 20% co-insurance

計劃名稱

BOC Standard Voluntary Health Insurance Scheme Certified Plan

中銀標準自願醫保計劃認可產品

Cat 1

Ver. Apr 1, 2021

VHIS Cert. No.

S00035-01-000-02Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 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適用的保障地域範圍為中國內地、香港、澳門

$30,000 per Policy Year

Extra Benefits Extra

Hospital companion bed fee reimbursement

—

Medical implants / prosthetic devices

—

Major Cancer supplementary benefit

—

Outpatient kidney dialysis

—

Complications of pregnancy

—

Daily post-surgery home nursing benefit

—

Emergency outpatient treatment for Accident

—

SMM umbrella benefit (lifts multiple basic items)

—

Event Benefits Event

Compassionate death benefit

$8,800

計劃名稱

BOC Standard Voluntary Health Insurance Scheme Certified Plan

中銀標準自願醫保計劃認可產品

Cat 1

Ver. Apr 1, 2021

計劃 1 / 9

中銀標準自願醫保計劃認可產品

BOC Standard Voluntary Health Insurance Scheme Certified Plan

標準Cat 1Ver. Apr 1, 2021保障評分 59/100

VHIS 認可編號: S00035-01-000-02
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 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) 精神科治療適用的保障地域範圍為中國內地、香港、澳門: $30,000 per Policy Year

額外保障 Extra

住院陪床: —
醫療植入裝置: —
主要癌症額外保障: —
門診洗腎: —
懷孕併發症: —
家中看護: —
意外急症門診治療費用賠償: —
訂明非手術癌症治療: —

事件保障 Event

恩恤身故賠償: $8,800

計劃 2 / 9

中銀靈活自願醫保計劃認可產品 - 基本計劃

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan

靈活Cat 1Ver. Apr 1, 2021保障評分 65/100

VHIS 認可編號: F00028-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,450 per day, maximum 180 days per Policy Year
(b) 雜項開支: $18,000 per Policy Year
(c) 主診醫生巡房費: $1,450 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $4,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $650, per visit, $4,000 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) 精神科治療適用的保障地域範圍為中國內地、香港、澳門: $40,000 per Policy Year

額外保障 Extra

住院陪床: $800 per day, maximum 180 days per Policy Year
醫療植入裝置: $20,000 per Policy Year
主要癌症額外保障: $50,000 per Policy Year
門診洗腎: $100,000 per Policy Year
懷孕併發症: $50,000 per Policy Year
家中看護: $500 per day, maximum 180 days per Policy Year
意外急症門診治療費用賠償: $2,500 per Policy Year
訂明非手術癌症治療: —

事件保障 Event

恩恤身故賠償: —

計劃 3 / 9

中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障1

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with upgraded benefits 1

靈活Cat 1Ver. Apr 1, 2021保障評分 65/100

VHIS 認可編號: F00028-01-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,450 per day, maximum 180 days per Policy Year
(b) 雜項開支: $18,000 per Policy Year
(c) 主診醫生巡房費: $1,450 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $4,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $650, per visit, $4,000 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) 精神科治療適用的保障地域範圍為中國內地、香港、澳門: $40,000 per Policy Year

額外保障 Extra

住院陪床: $800 per day, maximum 180 days per Policy Year
醫療植入裝置: $20,000 per Policy Year
主要癌症額外保障: $50,000 per Policy Year
門診洗腎: $100,000 per Policy Year
懷孕併發症: $50,000 per Policy Year
家中看護: $500 per day, maximum 180 days per Policy Year
意外急症門診治療費用賠償: $2,500 per Policy Year
訂明非手術癌症治療: Not applicable

事件保障 Event

恩恤身故賠償: —

計劃 4 / 9

中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障2

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with upgraded benefits 2

靈活Cat 1Ver. Apr 1, 2021保障評分 65/100

VHIS 認可編號: F00028-01-002-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,450 per day, maximum 180 days per Policy Year
(b) 雜項開支: $18,000 per Policy Year
(c) 主診醫生巡房費: $1,450 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $4,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $650, per visit, $4,000 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) 精神科治療適用的保障地域範圍為中國內地、香港、澳門: $40,000 per Policy Year

額外保障 Extra

住院陪床: $800 per day, maximum 180 days per Policy Year
醫療植入裝置: $20,000 per Policy Year
主要癌症額外保障: $50,000 per Policy Year
門診洗腎: $100,000 per Policy Year
懷孕併發症: $50,000 per Policy Year
家中看護: $500 per day, maximum 180 days per Policy Year
意外急症門診治療費用賠償: $2,500 per Policy Year
訂明非手術癌症治療: Not applicable

事件保障 Event

恩恤身故賠償: —

計劃 5 / 9

中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障3

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with upgraded benefits 3

靈活Cat 1Ver. Apr 1, 2021保障評分 65/100

VHIS 認可編號: F00028-01-003-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,450 per day, maximum 180 days per Policy Year
(b) 雜項開支: $18,000 per Policy Year
(c) 主診醫生巡房費: $1,450 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $4,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $650, per visit, $4,000 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) 精神科治療適用的保障地域範圍為中國內地、香港、澳門: $40,000 per Policy Year

額外保障 Extra

住院陪床: $800 per day, maximum 180 days per Policy Year
醫療植入裝置: $20,000 per Policy Year
主要癌症額外保障: $50,000 per Policy Year
門診洗腎: $100,000 per Policy Year
懷孕併發症: $50,000 per Policy Year
家中看護: $500 per day, maximum 180 days per Policy Year
意外急症門診治療費用賠償: $2,500 per Policy Year
訂明非手術癌症治療: Not applicable

事件保障 Event

恩恤身故賠償: —

計劃 6 / 9

中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with SMM

靈活Cat 1Ver. Apr 1, 2021保障評分 65/100

VHIS 認可編號: F00028-01-004-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $100,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,450 per day, maximum 180 days per Policy Year
(b) 雜項開支: $18,000 per Policy Year
(c) 主診醫生巡房費: $1,450 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $4,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $650, per visit, $4,000 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) 精神科治療適用的保障地域範圍為中國內地、香港、澳門: $40,000 per Policy Year

額外保障 Extra

住院陪床: $800 per day, maximum 180 days per Policy Year
醫療植入裝置: $20,000 per Policy Year
主要癌症額外保障: $50,000 per Policy Year
門診洗腎: $100,000 per Policy Year
懷孕併發症: $50,000 per Policy Year
家中看護: $500 per day, maximum 180 days per Policy Year
意外急症門診治療費用賠償: $2,500 per Policy Year
訂明非手術癌症治療: —

事件保障 Event

恩恤身故賠償: —

計劃 7 / 9

中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障+升級保障1

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with SMM & upgraded benefits 1

靈活Cat 1Ver. Apr 1, 2021保障評分 65/100

VHIS 認可編號: F00028-01-005-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $100,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,450 per day, maximum 180 days per Policy Year
(b) 雜項開支: $18,000 per Policy Year
(c) 主診醫生巡房費: $1,450 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $4,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $650, per visit, $4,000 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) 精神科治療適用的保障地域範圍為中國內地、香港、澳門: $40,000 per Policy Year

額外保障 Extra

住院陪床: $800 per day, maximum 180 days per Policy Year
醫療植入裝置: $20,000 per Policy Year
主要癌症額外保障: $50,000 per Policy Year
門診洗腎: $100,000 per Policy Year
懷孕併發症: $50,000 per Policy Year
家中看護: $500 per day, maximum 180 days per Policy Year
意外急症門診治療費用賠償: $2,500 per Policy Year
訂明非手術癌症治療: Subject to 20% Coinsurance (i.e. 80% reimbursement rate). Annual benefit limit: aged 75 or below: $400,000 per Policy Year; aged 76 or above: $100,000 per Policy Year

事件保障 Event

恩恤身故賠償: —

計劃 8 / 9

中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障+升級保障2

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with SMM & upgraded benefits 2

靈活Cat 1Ver. Apr 1, 2021保障評分 65/100

VHIS 認可編號: F00028-01-006-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $100,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,450 per day, maximum 180 days per Policy Year
(b) 雜項開支: $18,000 per Policy Year
(c) 主診醫生巡房費: $1,450 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $4,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $650, per visit, $4,000 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) 精神科治療適用的保障地域範圍為中國內地、香港、澳門: $40,000 per Policy Year

額外保障 Extra

住院陪床: $800 per day, maximum 180 days per Policy Year
醫療植入裝置: $20,000 per Policy Year
主要癌症額外保障: $50,000 per Policy Year
門診洗腎: $100,000 per Policy Year
懷孕併發症: $50,000 per Policy Year
家中看護: $500 per day, maximum 180 days per Policy Year
意外急症門診治療費用賠償: $2,500 per Policy Year
訂明非手術癌症治療: Subject to 20% Coinsurance (i.e. 80% reimbursement rate). Annual benefit limit: aged 75 or below: $400,000 per Policy Year; aged 76 or above: $100,000 per Policy Year

事件保障 Event

恩恤身故賠償: —

計劃 9 / 9

中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障+升級保障3

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with SMM & upgraded benefits 3

靈活Cat 1Ver. Apr 1, 2021保障評分 65/100

VHIS 認可編號: F00028-01-007-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $100,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,450 per day, maximum 180 days per Policy Year
(b) 雜項開支: $18,000 per Policy Year
(c) 主診醫生巡房費: $1,450 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $4,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $30,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $650, per visit, $4,000 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) 精神科治療適用的保障地域範圍為中國內地、香港、澳門: $40,000 per Policy Year

額外保障 Extra

住院陪床: $800 per day, maximum 180 days per Policy Year
醫療植入裝置: $20,000 per Policy Year
主要癌症額外保障: $50,000 per Policy Year
門診洗腎: $100,000 per Policy Year
懷孕併發症: $50,000 per Policy Year
家中看護: $500 per day, maximum 180 days per Policy Year
意外急症門診治療費用賠償: $2,500 per Policy Year
訂明非手術癌症治療: Subject to 20% Coinsurance (i.e. 80% reimbursement rate). Annual benefit limit: aged 75 or below: $400,000 per Policy Year; aged 76 or above: $100,000 per Policy Year

事件保障 Event

恩恤身故賠償: —