ByCompany

Bolttech Insurance (Hong Kong) Company Limited — same-insurer plan comparison

Bolttech Insurance (Hong Kong) Company Limited · 7 plan series (7 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.

7/7

VChoice Voluntary Health Insurance Plan

智適簡自願醫療保險計劃

Ver. Jun 23, 2023

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00012-01-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

VFlexi Voluntary Health Insurance Plan - Plan 2

智適選自願醫療保險計劃 - 計劃二

Ver. May 1, 2025

Score66/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00078-01-001-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$510,000
Per-illness limit: —
SMM Supplemental Major Medical: —

VFlexi Voluntary Health Insurance Plan - Plan 1

智適選自願醫療保險計劃 - 計劃一

Ver. May 1, 2025

Score66/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00078-01-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$450,000
Per-illness limit: —
SMM Supplemental Major Medical: —

VFlexi Voluntary Health Insurance Plan - Plan 6

智適選自願醫療保險計劃 - 計劃六

Ver. May 1, 2025

Score82/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00078-03-001-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$870,000
Per-illness limit: —
SMM Supplemental Major Medical: —

VFlexi Voluntary Health Insurance Plan - Plan 5

智適選自願醫療保險計劃 - 計劃五

Ver. May 1, 2025

Score82/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00078-03-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$670,000
Per-illness limit: —
SMM Supplemental Major Medical: —

VFlexi Voluntary Health Insurance Plan - Plan 4

智適選自願醫療保險計劃 - 計劃四

Ver. May 1, 2025

Score77/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00078-02-001-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$650,000
Per-illness limit: —
SMM Supplemental Major Medical: —

VFlexi Voluntary Health Insurance Plan - Plan 3

智適選自願醫療保險計劃 - 計劃三

Ver. May 1, 2025

Score77/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00078-02-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$530,000
Per-illness limit: —
SMM Supplemental Major Medical: —

計劃名稱

VChoice Voluntary Health Insurance Plan

智適簡自願醫療保險計劃

Cat 1

Ver. Jun 23, 2023

VHIS Cert. No.

S00012-01-000-03Benefits 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

$30,000 per Policy Year

Extra Benefits Extra

Emergency outpatient treatment for Accident

—

Outpatient kidney dialysis

—

Daily post-surgery home nursing benefit

—

Hospital companion bed fee reimbursement

—

Event Benefits Event

Compassionate death benefit

$8,800

計劃 1 / 7

智適簡自願醫療保險計劃

VChoice Voluntary Health Insurance Plan

標準Cat 1Ver. Jun 23, 2023保障評分 59/100

VHIS 認可編號: S00012-01-000-03
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: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: —
門診洗腎: —
家中看護: —
住院陪床: —

事件保障 Event

恩恤身故賠償: $8,800

計劃 2 / 7

智適選自願醫療保險計劃 - 計劃二

VFlexi Voluntary Health Insurance Plan - Plan 2

靈活Cat 1Ver. May 1, 2025保障評分 66/100

VHIS 認可編號: F00078-01-001-01
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: HK$510,000
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: $800 per day, maximum 180 days per Policy Year
(b) 雜項開支: $15,500 per Policy Year
(c) 主診醫生巡房費: $800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $5,600 per Policy Year
(e) 深切治療: $5,100 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: $75,000
(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: $90,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $3,000 per Confinement / Day Case Procedure • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Follow-up outpatient visits 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

意外急症門診治療費用賠償: $1,000 per Policy Year
門診洗腎: $90,000 per Policy Year
家中看護: $500 per day, maximum 30 days per Policy Year
住院陪床: $500 per day, maximum 30 days per Policy Year

事件保障 Event

恩恤身故賠償: —

計劃 3 / 7

智適選自願醫療保險計劃 - 計劃一

VFlexi Voluntary Health Insurance Plan - Plan 1

靈活Cat 1Ver. May 1, 2025保障評分 66/100

VHIS 認可編號: F00078-01-000-01
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: HK$450,000
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: $800 per day, maximum 180 days per Policy Year
(b) 雜項開支: $15,500 per Policy Year
(c) 主診醫生巡房費: $800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $5,600 per Policy Year
(e) 深切治療: $5,100 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: $75,000
(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: $90,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $3,000 per Confinement / Day Case Procedure • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Follow-up outpatient visits 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

意外急症門診治療費用賠償: $1,000 per Policy Year
門診洗腎: $90,000 per Policy Year
家中看護: $500 per day, maximum 30 days per Policy Year
住院陪床: $500 per day, maximum 30 days per Policy Year

事件保障 Event

恩恤身故賠償: —

計劃 4 / 7

智適選自願醫療保險計劃 - 計劃六

VFlexi Voluntary Health Insurance Plan - Plan 6

靈活Cat 1Ver. May 1, 2025保障評分 82/100

VHIS 認可編號: F00078-03-001-01
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$870,000
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: $2,880 per day, maximum 180 days per Policy Year
(b) 雜項開支: $25,750 per Policy Year
(c) 主診醫生巡房費: $2,880 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $11,300 per Policy Year
(e) 深切治療: $8,240 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $8,700
(f) 外科醫生費 — 中型: $21,750
(f) 外科醫生費 — 大型: $43,500
(f) 外科醫生費 — 複雜: $130,500
(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: $150,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $6,000 per Confinement / Day Case Procedure • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Follow-up outpatient visits 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

意外急症門診治療費用賠償: $3,000 per Policy Year
門診洗腎: $150,000 per Policy Year
家中看護: $700 per day, maximum 30 days per Policy Year
住院陪床: $700 per day, maximum 30 days per Policy Year

事件保障 Event

恩恤身故賠償: —

計劃 5 / 7

智適選自願醫療保險計劃 - 計劃五

VFlexi Voluntary Health Insurance Plan - Plan 5

靈活Cat 1Ver. May 1, 2025保障評分 82/100

VHIS 認可編號: F00078-03-000-01
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$670,000
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: $2,880 per day, maximum 180 days per Policy Year
(b) 雜項開支: $25,750 per Policy Year
(c) 主診醫生巡房費: $2,880 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $11,300 per Policy Year
(e) 深切治療: $8,240 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $8,700
(f) 外科醫生費 — 中型: $21,750
(f) 外科醫生費 — 大型: $43,500
(f) 外科醫生費 — 複雜: $130,500
(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: $150,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $6,000 per Confinement / Day Case Procedure • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Follow-up outpatient visits 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

意外急症門診治療費用賠償: $3,000 per Policy Year
門診洗腎: $150,000 per Policy Year
家中看護: $700 per day, maximum 30 days per Policy Year
住院陪床: $700 per day, maximum 30 days per Policy Year

事件保障 Event

恩恤身故賠償: —

計劃 6 / 7

智適選自願醫療保險計劃 - 計劃四

VFlexi Voluntary Health Insurance Plan - Plan 4

靈活Cat 1Ver. May 1, 2025保障評分 77/100

VHIS 認可編號: F00078-02-001-01
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$650,000
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: $1,550 per day, maximum 180 days per Policy Year
(b) 雜項開支: $17,500 per Policy Year
(c) 主診醫生巡房費: $1,550 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $7,750 per Policy Year
(e) 深切治療: $6,200 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $6,000
(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: $90,000
(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: $120,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $4,500 per Confinement / Day Case Procedure • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Follow-up outpatient visits 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

意外急症門診治療費用賠償: $1,500 per Policy Year
門診洗腎: $120,000 per Policy Year
家中看護: $600 per day, maximum 30 days per Policy Year
住院陪床: $600 per day, maximum 30 days per Policy Year

事件保障 Event

恩恤身故賠償: —

計劃 7 / 7

智適選自願醫療保險計劃 - 計劃三

VFlexi Voluntary Health Insurance Plan - Plan 3

靈活Cat 1Ver. May 1, 2025保障評分 77/100

VHIS 認可編號: F00078-02-000-01
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$530,000
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: $1,550 per day, maximum 180 days per Policy Year
(b) 雜項開支: $17,500 per Policy Year
(c) 主診醫生巡房費: $1,550 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $7,750 per Policy Year
(e) 深切治療: $6,200 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $6,000
(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: $90,000
(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: $120,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $4,500 per Confinement / Day Case Procedure • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Follow-up outpatient visits 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

意外急症門診治療費用賠償: $1,500 per Policy Year
門診洗腎: $120,000 per Policy Year
家中看護: $600 per day, maximum 30 days per Policy Year
住院陪床: $600 per day, maximum 30 days per Policy Year

事件保障 Event

恩恤身故賠償: —