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Bolttech — same-insurer plan comparison

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

Bolttech Insurance (Hong Kong) Company Limited offers 7 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 6 Flexi), covering Worldwide (including United States), across Ward, Semi-Private Room and No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.

Data version: May 1, 2025

Compare 2:
Highlights
VHIS cert no.
S00012-01-000-03Benefits PDFPremiums PDF
F00078-01-000-01Benefits PDFPremiums PDF
Plan Type
Standard Plan
Itemised Limits
Main coverage region
Worldwide (including United States)
Worldwide (including United States)
Unknown pre-existing conditions
Not listed
Year 1: 0%; Year 2: 25%; Year 3: 50%; Year 4+: 100%; subject to plan limits.
Ward class
No ward-class restriction (item limits apply)
Ward
Lifetime benefit limit
No overall limit
Annual benefit limit
Per-illness benefit limit
—
—
SMM Supplemental Major Medical
—
—
No-Claim Bonus
Not listed
2 claim-free years: 10% 3+ claim-free years: 15%
Deductible Options
—
—
Deductible reduction at specified ages
Not applicable
Not applicable
Ver.
Latest version · 2023-06-23
Latest version · 2025-05-01
Basic Benefits
(a) Room and board
HK$750 per day, maximum 180 days per Policy Year
HK$800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
HK$14,000 per Policy Year
HK$15,500 per Policy Year
(c) Attending doctor's visit fee
HK$750 per day, maximum 180 days per Policy Year
HK$800 per day, maximum 180 days per Policy Year
(d) Specialist's fee
HK$4,300 per Policy Year
HK$5,600 per Policy Year
(e) Intensive care
HK$3,500 per day, maximum 25 days per Policy Year
HK$5,100 per day, maximum 25 days per Policy Year
    Surgeon's fee — Minor
HK$5,000
HK$5,000
    Surgeon's fee — Intermediate
HK$12,500
HK$12,500
    Surgeon's fee — Major
HK$25,000
HK$25,000
    Surgeon's fee — Complex
HK$50,000
HK$75,000
(g) Anaesthetist's fee
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
(i) Prescribed Diagnostic Imaging Tests
HK$20,000 per Policy YearSubject to Coinsurance: 30%
HK$20,000 per Policy YearSubject to Coinsurance: 30%
(j) Prescribed Non-surgical Cancer Treatments
HK$80,000 per Policy Year
HK$90,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
HK$580 per visit, HK$3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
HK$3,000 per Confinement / Day Case ProcedureUp to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureFollow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
HK$30,000 per Policy Year
HK$30,000 per Policy Year
Extra Benefits
Accident-related
Emergency dental benefit (Accident only)
—
HK$5,000 per Policy Year, within 2 weeks of the Accident
Emergency outpatient treatment for Accident
—
HK$1,000 per Policy Year within 72 hours of the Accident
Inpatient-related
Hospital companion bed fee reimbursement
—
HK$500 per day, maximum 30 days per Policy Year
Outpatient-related
Outpatient kidney dialysis
—
HK$90,000 per Policy Year
Home nursing
—
HK$500 per day, maximum 30 days per Policy Year
Cash Benefits
Day surgery cash benefit
—
HK$1,000 per Day Case Procedure, maximum 20 times per Policy Year
Second-claim cash allowanceAfter other pays
—
HK$300 per day of Confinement, maximum 60 days per Policy Year
Event Benefits
Accidental Death benefit
—
HK$50,000

“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.