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BOC Group Life Assurance Company Limited — same-insurer plan comparison

BOC Group Life Assurance Company Limited · 2 plan series (5 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.

2/2

BOC Life Standard VHIS

中銀人壽標準自願醫保

Ver. Mar 28, 2021

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00022-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

SmartViva Flexi VHIS

非凡守護靈活自願醫保

Ver. Aug 1, 2022

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00057-01-000-02Benefits PDF Premiums PDF
F00057-02-000-02Benefits PDF Premiums PDF
F00057-03-000-02Benefits PDF Premiums PDF
F00057-04-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$33,000,000
Per-illness limit: 每日$3,000 （每保單年度每傷病最多 90 日）（必須取得預先批准）
SMM Supplemental Major Medical: —

Deductible Options

$0$10K$30K$70K

計劃名稱

BOC Life Standard VHIS

中銀人壽標準自願醫保

Cat 1

Ver. Mar 28, 2021

VHIS Cert. No.

S00022-01-000-02Benefits 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不限手術類別

—

(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不限手術類別

35% of Surgeon's fee payable

(h) Operating theatre charges不限手術類別

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

$30,000 per Policy Year

Extra Benefits Extra

Medical implants / prosthetic devices

—

Chinese Medicine Practitioner outpatient care

—

Hospice and palliative care benefit

—

Cancer / cardiac / stroke rehabilitation benefit

—

Emergency outpatient treatment for Accident

—

Complications of pregnancy

—

Outpatient kidney dialysis

—

Daily post-surgery home nursing benefit

—

Hospital companion bed fee reimbursement

—

Health check-up benefit

—

Overseas Organ Transplant Aggregate Limit

—

Cash Benefits Cash

Special loyalty reward

$200

Event Benefits Event

Medical accident and incident extension benefit

$100,000

Compassionate death benefit

$5,000

計劃 1 / 2

中銀人壽標準自願醫保

BOC Life Standard VHIS

標準Cat 1Ver. Mar 28, 2021保障評分 59/100

VHIS 認可編號: S00022-01-000-02
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) 外科醫生費不限手術類別: —
(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) 麻醉科醫生費不限手術類別: 35% of Surgeon's fee payable
(h) 手術室費不限手術類別: 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: $30,000 per Policy Year

額外保障 Extra

醫療植入裝置: —
出院後 / 日間手術後的中醫門診治療: —
善終服務: —
復康保障: —
意外急症門診治療費用賠償: —
懷孕併發症: —
門診洗腎: —
家中看護: —
住院陪床: —
身體檢查保障: —
於任何地方但不包括美國及香港進行的器官移植手術並取得預先批准,其 1) 基本保障下保障項目(a) – (i)及(k),以及 2) 額外保障下保障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限額: —

現金保障 Cash

特別獎賞: $200

事件保障 Event

醫療意外事故保障: $100,000
恩恤身故賠償: $5,000

計劃 2 / 2

非凡守護靈活自願醫保

SmartViva Flexi VHIS

靈活Cat 3Ver. Aug 1, 2022保障評分 98/100 (20–98)

VHIS 認可編號: F00057-01-000-02F00057-02-000-02F00057-03-000-02F00057-04-000-02
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: HK$33,000,000
終身賠償限額: —
每傷病保障期: 每日$3,000 （每保單年度每傷病最多 90 日）（必須取得預先批准）
SMM 額外醫療保障: —
自付費選項: $0 / $10K / $30K / $70K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費不限手術類別: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費不限手術類別: Full reimbursement
(h) 手術室費不限手術類別: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: Full reimbursement

額外保障 Extra

醫療植入裝置: $132,000
出院後 / 日間手術後的中醫門診治療: $600
善終服務: $132,000
復康保障: $3,000
意外急症門診治療費用賠償: Full reimbursement
懷孕併發症: $200,000
門診洗腎: Full reimbursement
家中看護: $1,000
住院陪床: Full reimbursement
身體檢查保障: $4,500
於任何地方但不包括美國及香港進行的器官移植手術並取得預先批准,其 1) 基本保障下保障項目(a) – (i)及(k),以及 2) 額外保障下保障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限額: $1,650,000

現金保障 Cash

特別獎賞: —

事件保障 Event

醫療意外事故保障: —
恩恤身故賠償: $5,000