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VHIS Plan

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

Bank of China Group Insurance Company Limited·8 plan options

VHIS Flexi

BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan is a VHIS Flexi plan offered by Bank of China Group Insurance Company Limited, with no ward-class restriction, Worldwide (including United States) coverage and HK$450,000 annual benefit limit. Latest plan-document version: Apr 1, 2021.

01 · Plan options

8 options — premiums differ; deductible, ward class or cover may also differ

Deductible

—

Entry premium (Age 30 male non-smoker)

HK$3,337 /yr

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Plan option

with upgraded benefits 1

Entry premium (Age 30 male non-smoker)

HK$4,027 /yr

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Plan option

with upgraded benefits 2

Entry premium (Age 30 male non-smoker)

HK$4,260 /yr

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Plan option

with upgraded benefits 3

Entry premium (Age 30 male non-smoker)

HK$4,485 /yr

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Plan option

with SMM

Entry premium (Age 30 male non-smoker)

HK$5,190 /yr

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Plan option

with SMM & upgraded benefits 1

Entry premium (Age 30 male non-smoker)

HK$5,702 /yr

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Plan option

with SMM & upgraded benefits 2

Entry premium (Age 30 male non-smoker)

HK$5,937 /yr

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Plan option

with SMM & upgraded benefits 3

Entry premium (Age 30 male non-smoker)

HK$6,165 /yr

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02 · Premiums by age

Yearly premium of every option by age and sex

Standard yearly premium for non-smokers, before the premium levy (Male)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
—	HK$5,982	HK$1,558	HK$2,365	HK$3,337	HK$4,368	HK$7,293	HK$12,510	HK$21,068	HK$28,682
with upgraded benefits 1	HK$7,398	HK$1,937	HK$2,653	HK$4,027	HK$5,342	HK$9,212	HK$15,895	HK$27,850	HK$37,790
with upgraded benefits 2	HK$7,673	HK$2,340	HK$2,767	HK$4,260	HK$5,755	HK$10,268	HK$17,828	HK$32,713	HK$42,777
with upgraded benefits 3	HK$7,842	HK$2,387	HK$2,855	HK$4,485	HK$6,203	HK$11,550	HK$20,197	HK$38,993	HK$46,533
with SMM	HK$9,622	HK$2,470	HK$3,450	HK$5,190	HK$6,768	HK$11,323	HK$19,588	HK$32,632	HK$43,680
with SMM & upgraded benefits 1	HK$10,497	HK$3,145	HK$3,765	HK$5,702	HK$7,510	HK$12,820	HK$22,252	HK$38,207	HK$51,135
with SMM & upgraded benefits 2	HK$10,775	HK$3,225	HK$3,878	HK$5,937	HK$7,928	HK$13,887	HK$24,205	HK$43,118	HK$56,172
with SMM & upgraded benefits 3	HK$10,945	HK$3,272	HK$3,968	HK$6,165	HK$8,383	HK$15,183	HK$26,597	HK$49,460	HK$59,965

Standard yearly premium for non-smokers, before the premium levy (Female)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
—	HK$5,060	HK$1,555	HK$2,857	HK$4,265	HK$5,722	HK$8,415	HK$11,532	HK$18,292	HK$25,548
with upgraded benefits 1	HK$6,553	HK$1,753	HK$3,230	HK$5,638	HK$7,453	HK$12,247	HK$16,398	HK$24,555	HK$34,237
with upgraded benefits 2	HK$6,825	HK$1,913	HK$3,420	HK$6,265	HK$8,592	HK$14,450	HK$18,830	HK$27,945	HK$37,903
with upgraded benefits 3	HK$7,015	HK$1,980	HK$3,605	HK$7,022	HK$10,040	HK$17,307	HK$21,907	HK$32,193	HK$40,637
with SMM	HK$8,515	HK$2,228	HK$4,168	HK$6,970	HK$8,875	HK$14,150	HK$19,665	HK$29,563	HK$40,932
with SMM & upgraded benefits 1	HK$9,310	HK$2,548	HK$4,577	HK$7,872	HK$10,262	HK$16,633	HK$22,683	HK$33,902	HK$46,925
with SMM & upgraded benefits 2	HK$9,583	HK$2,630	HK$4,768	HK$8,507	HK$11,410	HK$18,858	HK$25,138	HK$37,325	HK$50,630
with SMM & upgraded benefits 3	HK$9,777	HK$2,697	HK$4,955	HK$9,270	HK$12,873	HK$21,742	HK$28,247	HK$41,618	HK$53,390

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How to apply for this plan

This plan is offered by Bank of China Group Insurance Company Limited. To apply, contact Bank of China Group Insurance Company Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF

This site's licensed insurance agent can only arrange FWD plans.

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Schedule effective date: Apr 1, 2021
Plan data updated: 2026-04-25