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Bolttech — same-insurer plan comparison

Bolttech Insurance (Hong Kong) Company Limited · 7 plan series (7 variants, sorted from basic to comprehensive)

Bolttech Insurance (Hong Kong) Company Limited offers 7 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 6 Flexi), covering Worldwide, across Ward, Semi-Private Room and N/A (capped) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.

Data version: May 1, 2025

項目
VChoice Voluntary Health Insurance Plan
VFlexi Voluntary Health Insurance Plan - Plan 1
VFlexi Voluntary Health Insurance Plan - Plan 2
VFlexi Voluntary Health Insurance Plan - Plan 3
VFlexi Voluntary Health Insurance Plan - Plan 4
VFlexi Voluntary Health Insurance Plan - Plan 5
VFlexi Voluntary Health Insurance Plan - Plan 6
Highlights
VHIS cert no.
S00012-01-000-03Benefits PDFPremiums PDF
F00078-01-000-01Benefits PDFPremiums PDF
F00078-01-001-01Benefits PDFPremiums PDF
F00078-02-000-01Benefits PDFPremiums PDF
F00078-02-001-01Benefits PDFPremiums PDF
F00078-03-000-01Benefits PDFPremiums PDF
F00078-03-001-01Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Ward
N/A (capped)
Ward
Ward
Semi-Private Room
Semi-Private Room
Semi-Private Room
Semi-Private Room
Lifetime limit
—
—
—
—
—
—
—
Annual limit
Per illness
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
—
—
—
No-Claim Bonus
—
10% × 2 yrs 15% × 3 yrs+
10% × 2 yrs 15% × 3 yrs+
10% × 2 yrs 15% × 3 yrs+
10% × 2 yrs 15% × 3 yrs+
10% × 2 yrs 15% × 3 yrs+
10% × 2 yrs 15% × 3 yrs+
Deductible
—
—
—
—
—
—
—
Version
Jun 23, 2023
May 1, 2025
May 1, 2025
May 1, 2025
May 1, 2025
May 1, 2025
May 1, 2025
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$1,550 per day, maximum 180 days per Policy Year
$1,550 per day, maximum 180 days per Policy Year
$2,880 per day, maximum 180 days per Policy Year
$2,880 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
$15,500 per Policy Year
$15,500 per Policy Year
$17,500 per Policy Year
$17,500 per Policy Year
$25,750 per Policy Year
$25,750 per Policy Year
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$1,550 per day, maximum 180 days per Policy Year
$1,550 per day, maximum 180 days per Policy Year
$2,880 per day, maximum 180 days per Policy Year
$2,880 per day, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
$5,600 per Policy Year
$5,600 per Policy Year
$7,750 per Policy Year
$7,750 per Policy Year
$11,300 per Policy Year
$11,300 per Policy Year
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$5,100 per day, maximum 25 days per Policy Year
$5,100 per day, maximum 25 days per Policy Year
$6,200 per day, maximum 25 days per Policy Year
$6,200 per day, maximum 25 days per Policy Year
$8,240 per day, maximum 25 days per Policy Year
$8,240 per day, maximum 25 days per Policy Year
    Surgeon's fee — Minor
$5,000
$5,000
$5,000
$6,000
$6,000
$8,700
$8,700
    Surgeon's fee — Intermediate
$12,500
$12,500
$12,500
$15,000
$15,000
$21,750
$21,750
    Surgeon's fee — Major
$25,000
$25,000
$25,000
$30,000
$30,000
$43,500
$43,500
    Surgeon's fee — Complex
$50,000
$75,000
$75,000
$90,000
$90,000
$130,500
$130,500
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$90,000 per Policy Year
$90,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$150,000 per Policy Year
$150,000 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
$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
$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
$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
$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
$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
$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) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
$5,000 per Policy Year, within 2 weeks of the Accident
$5,000 per Policy Year, within 2 weeks of the Accident
$10,000 per Policy Year, within 2 weeks of the Accident
$10,000 per Policy Year, within 2 weeks of the Accident
$20,000 per Policy Year, within 2 weeks of the Accident
$20,000 per Policy Year, within 2 weeks of the Accident
Emergency outpatient treatment for Accident
—
$1,000 per Policy Year within 72 hours of the Accident
$1,000 per Policy Year within 72 hours of the Accident
$1,500 per Policy Year within 72 hours of the Accident
$1,500 per Policy Year within 72 hours of the Accident
$3,000 per Policy Year within 72 hours of the Accident
$3,000 per Policy Year within 72 hours of the Accident
Inpatient-related
Hospital companion bed fee reimbursement
—
$500 per day, maximum 30 days per Policy Year
$500 per day, maximum 30 days per Policy Year
$600 per day, maximum 30 days per Policy Year
$600 per day, maximum 30 days per Policy Year
$700 per day, maximum 30 days per Policy Year
$700 per day, maximum 30 days per Policy Year
Outpatient-related
Outpatient kidney dialysis
—
$90,000 per Policy Year
$90,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$150,000 per Policy Year
$150,000 per Policy Year
Daily post-surgery home nursing benefit
—
$500 per day, maximum 30 days per Policy Year
$500 per day, maximum 30 days per Policy Year
$600 per day, maximum 30 days per Policy Year
$600 per day, maximum 30 days per Policy Year
$700 per day, maximum 30 days per Policy Year
$700 per day, maximum 30 days per Policy Year
Cash Benefits Cash
Day surgery cash benefit
—
$1,000 per Day Case Procedure, maximum 20 times per Policy Year
$1,000 per Day Case Procedure, maximum 20 times per Policy Year
$1,000 per Day Case Procedure, maximum 20 times per Policy Year
$1,000 per Day Case Procedure, maximum 20 times per Policy Year
$1,000 per Day Case Procedure, maximum 20 times per Policy Year
$1,000 per Day Case Procedure, maximum 20 times per Policy Year
Second-claim cash allowance
—
$300 per day of Confinement, maximum 60 days per Policy Year
$300 per day of Confinement, maximum 60 days per Policy Year
$400 per day of Confinement, maximum 60 days per Policy Year
$400 per day of Confinement, maximum 60 days per Policy Year
$500 per day of Confinement, maximum 60 days per Policy Year
$500 per day of Confinement, maximum 60 days per Policy Year
Event Benefits Event
Accidental Death benefit
—
$50,000
$50,000
$50,000
$50,000
$50,000
$50,000