BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with upgraded benefits 1

中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障1

Bank of China Group Insurance Company Limited

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Your premium

HK$4,027 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

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Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

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Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$1,450 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$18,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,450 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$4,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 6,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$15,000
Surgeon's fee — Major 外科醫生費 — 大型	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$100,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (k) 入院前或出院後／日間手術前後的門診護理	$650, per visit, $4,000 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 (l) 精神科治療	$40,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 加床費	$800 per day, maximum 180 days per Policy Year
Medical implants / prosthetic devices 醫療裝置(指定項目) (適用的保障地域範圍為中國內地、香港、澳門) 包括心臟起搏器、經皮冠狀動脈腔內成形術的支架、眼內人造晶體、人工心瓣、關節置換術的金屬或人工關節、骨頭間置換或植入的人工韌帶、及人工椎間盤。	$20,000 per Policy Year
Major Cancer supplementary benefit 額外嚴重疾病保障本保障項目包括癌症、心肌疾病、昏迷、冠狀動脈搭橋移植手術、心瓣置換、腎衰竭、肝衰竭、嚴重燒傷、中風、結核病的治療。	$50,000 per Policy Year
Outpatient kidney dialysis 腎透析(門診)	$100,000 per Policy Year
Complications of pregnancy 妊娠併發症本保障項目將支付本保單生效日起計一(1)年後所招致的合資格費用。	$50,000 per Policy Year
Daily post-surgery home nursing benefit 出院後家居看護費 (適用的保障地域範圍為中國內地、香港、澳門)	$500 per day, maximum 180 days per Policy Year
Emergency outpatient treatment for Accident 緊急門診費	$2,500 per Policy Year within 24 hours of the Accident
Medical implants — specified items (top-up) 指定項目包括心臟起搏器、經皮冠狀動脈腔內成形術的支架、眼內人造晶體、人工心瓣、關節置換術的金屬或人工關節、骨頭間置換或植入的人工韌帶、及人工椎間盤。	$100,000 per Policy Year
Medical implants — unspecified items 非指定項目以上(aa)節無列明的其他醫療裝置	$50,000 per Policy Year
Annual benefit limit for items (a)–(l) and upgrade benefits (I)–(II) 保障項目第 I 部分－第 II 部分的每年保障限額	Under age 76: None; Age 76 or above: $450,000 per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,450 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$18,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,450 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$4,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 6,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$15,000
Surgeon's fee — Major
外科醫生費 — 大型
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$100,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(k) 入院前或出院後／日間手術前後的門診護理
$650, per visit, $4,000 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
(l) 精神科治療
$40,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
加床費
$800 per day, maximum 180 days per Policy Year
Medical implants / prosthetic devices
醫療裝置(指定項目) (適用的保障地域範圍為中國內地、香港、澳門) 包括心臟起搏器、經皮冠狀動脈腔內成形術的支架、眼內人造晶體、人工心瓣、關節置換術的金屬或人工關節、骨頭間置換或植入的人工韌帶、及人工椎間盤。
$20,000 per Policy Year
Major Cancer supplementary benefit
額外嚴重疾病保障本保障項目包括癌症、心肌疾病、昏迷、冠狀動脈搭橋移植手術、心瓣置換、腎衰竭、肝衰竭、嚴重燒傷、中風、結核病的治療。
$50,000 per Policy Year
Outpatient kidney dialysis
腎透析(門診)
$100,000 per Policy Year
Complications of pregnancy
妊娠併發症本保障項目將支付本保單生效日起計一(1)年後所招致的合資格費用。
$50,000 per Policy Year
Daily post-surgery home nursing benefit
出院後家居看護費 (適用的保障地域範圍為中國內地、香港、澳門)
$500 per day, maximum 180 days per Policy Year
Emergency outpatient treatment for Accident
緊急門診費
$2,500 per Policy Year within 24 hours of the Accident
Medical implants — specified items (top-up)
指定項目包括心臟起搏器、經皮冠狀動脈腔內成形術的支架、眼內人造晶體、人工心瓣、關節置換術的金屬或人工關節、骨頭間置換或植入的人工韌帶、及人工椎間盤。
$100,000 per Policy Year
Medical implants — unspecified items
非指定項目以上(aa)節無列明的其他醫療裝置
$50,000 per Policy Year
Annual benefit limit for items (a)–(l) and upgrade benefits (I)–(II)
保障項目第 I 部分－第 II 部分的每年保障限額
Under age 76: None; Age 76 or above: $450,000 per Policy Year

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$7,398	HK$6,553
1	HK$7,398	HK$6,553
2	HK$5,400	HK$4,508
3	HK$4,592	HK$3,705
4	HK$3,908	HK$3,057
5	HK$3,355	HK$2,578
6	HK$2,885	HK$2,182
7	HK$2,508	HK$1,885
8	HK$2,215	HK$1,685
9	HK$1,993	HK$1,560
10	HK$1,937	HK$1,753
11	HK$1,983	HK$1,823
12	HK$2,002	HK$1,863
13	HK$2,032	HK$1,945
14	HK$2,045	HK$2,062
15	HK$2,125	HK$2,275
16	HK$2,195	HK$2,432
17	HK$2,285	HK$2,602
18	HK$2,390	HK$2,778
19	HK$2,505	HK$2,957
20	HK$2,653	HK$3,230
21	HK$2,973	HK$3,823
22	HK$3,112	HK$4,023
23	HK$3,250	HK$4,225
24	HK$3,387	HK$4,418
25	HK$3,613	HK$4,752
26	HK$3,745	HK$4,940
27	HK$3,870	HK$5,122
28	HK$3,997	HK$5,298
29	HK$4,117	HK$5,470
30	HK$4,027	HK$5,638
31	HK$4,132	HK$5,657
32	HK$4,237	HK$5,675
33	HK$4,343	HK$5,832
34	HK$4,448	HK$5,990
35	HK$4,652	HK$6,397
36	HK$4,765	HK$6,555
37	HK$4,883	HK$6,722
38	HK$5,018	HK$6,913
39	HK$5,162	HK$7,113
40	HK$5,342	HK$7,453
41	HK$5,493	HK$7,757
42	HK$5,677	HK$7,985
43	HK$5,903	HK$8,248
44	HK$6,148	HK$8,522
45	HK$6,630	HK$9,177
46	HK$6,933	HK$9,480
47	HK$7,260	HK$9,797
48	HK$7,640	HK$10,132
49	HK$8,695	HK$11,737
50	HK$9,212	HK$12,247
51	HK$9,707	HK$12,657
52	HK$10,240	HK$13,085
53	HK$10,835	HK$13,503
54	HK$11,463	HK$13,932
55	HK$12,068	HK$14,245
56	HK$12,752	HK$14,698
57	HK$13,467	HK$15,167
58	HK$14,265	HK$15,692
59	HK$15,090	HK$16,233
60	HK$15,895	HK$16,398
61	HK$16,655	HK$16,542
62	HK$17,522	HK$17,107
63	HK$18,448	HK$17,685
64	HK$19,388	HK$18,288
65	HK$21,482	HK$19,567
66	HK$22,462	HK$20,252
67	HK$23,430	HK$20,978
68	HK$24,403	HK$21,825
69	HK$25,465	HK$22,645
70	HK$27,850	HK$24,555
71	HK$28,938	HK$25,523
72	HK$30,047	HK$26,512
73	HK$31,175	HK$27,572
74	HK$32,320	HK$28,658
75	HK$34,690	HK$30,633
76	HK$32,742	HK$29,605
77	HK$33,855	HK$30,687
78	HK$34,923	HK$31,745
79	HK$35,980	HK$32,795
80	HK$37,790	HK$34,237
81	HK$38,832	HK$35,283
82	HK$39,852	HK$36,312
83	HK$40,612	HK$37,213
84	HK$41,342	HK$38,090
85	HK$42,182	HK$38,920
86	HK$42,843	HK$39,745
87	HK$43,465	HK$40,537
88	HK$44,042	HK$41,293
89	HK$44,572	HK$42,012
90	HK$44,487	HK$41,953
91	HK$44,922	HK$42,583
92	HK$45,307	HK$43,168
93	HK$45,638	HK$43,702
94	HK$45,915	HK$44,183
95	HK$46,155	HK$44,608
96	HK$46,318	HK$44,980
97	HK$46,423	HK$45,292
98	HK$46,470	HK$45,545
99	HK$46,455	HK$45,738

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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with upgraded benefits 1

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with upgraded benefits 2

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with upgraded benefits 3

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with SMM

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with SMM & upgraded benefits 1

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with SMM & upgraded benefits 2

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with SMM & upgraded benefits 3

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Apr 1, 2021
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.