BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with upgraded benefits 2

中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障2

Bank of China Group Insurance Company Limited

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Your premium

HK$4,260 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

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Annual benefit limit

No cap

Per-illness annual limit

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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。	$200,000 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	$100,000 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。
$200,000 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
$100,000 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$7,673	HK$6,825
1	HK$7,673	HK$6,825
2	HK$5,602	HK$4,700
3	HK$4,763	HK$3,867
4	HK$4,053	HK$3,188
5	HK$3,470	HK$2,685
6	HK$2,983	HK$2,268
7	HK$2,592	HK$1,957
8	HK$2,290	HK$1,753
9	HK$2,062	HK$1,627
10	HK$2,340	HK$1,913
11	HK$2,207	HK$1,907
12	HK$2,132	HK$1,952
13	HK$2,107	HK$2,042
14	HK$2,122	HK$2,163
15	HK$2,208	HK$2,390
16	HK$2,283	HK$2,558
17	HK$2,377	HK$2,735
18	HK$2,488	HK$2,923
19	HK$2,607	HK$3,115
20	HK$2,767	HK$3,420
21	HK$3,100	HK$4,052
22	HK$3,245	HK$4,268
23	HK$3,392	HK$4,493
24	HK$3,537	HK$4,710
25	HK$3,792	HK$5,135
26	HK$3,933	HK$5,348
27	HK$4,068	HK$5,558
28	HK$4,207	HK$5,762
29	HK$4,342	HK$5,962
30	HK$4,260	HK$6,265
31	HK$4,377	HK$6,290
32	HK$4,492	HK$6,313
33	HK$4,618	HK$6,498
34	HK$4,742	HK$6,685
35	HK$4,962	HK$7,243
36	HK$5,092	HK$7,425
37	HK$5,227	HK$7,617
38	HK$5,385	HK$7,847
39	HK$5,555	HK$8,088
40	HK$5,755	HK$8,592
41	HK$5,913	HK$9,002
42	HK$6,122	HK$9,272
43	HK$6,395	HK$9,597
44	HK$6,687	HK$9,932
45	HK$7,297	HK$10,818
46	HK$7,655	HK$11,185
47	HK$8,038	HK$11,567
48	HK$8,502	HK$11,975
49	HK$9,712	HK$13,887
50	HK$10,268	HK$14,450
51	HK$10,847	HK$14,940
52	HK$11,465	HK$15,448
53	HK$12,170	HK$15,928
54	HK$12,910	HK$16,420
55	HK$13,512	HK$16,668
56	HK$14,298	HK$17,180
57	HK$15,120	HK$17,710
58	HK$16,063	HK$18,330
59	HK$17,038	HK$18,968
60	HK$17,828	HK$18,830
61	HK$18,642	HK$18,710
62	HK$19,638	HK$19,345
63	HK$20,738	HK$19,980
64	HK$21,847	HK$20,645
65	HK$24,645	HK$22,088
66	HK$25,825	HK$22,840
67	HK$26,995	HK$23,635
68	HK$28,183	HK$24,607
69	HK$29,467	HK$25,552
70	HK$32,713	HK$27,945
71	HK$34,052	HK$29,057
72	HK$35,408	HK$30,192
73	HK$36,790	HK$31,440
74	HK$38,190	HK$32,712
75	HK$41,425	HK$35,280
76	HK$36,767	HK$32,543
77	HK$38,042	HK$33,748
78	HK$39,253	HK$34,922
79	HK$40,452	HK$36,087
80	HK$42,777	HK$37,903
81	HK$43,975	HK$39,073
82	HK$45,148	HK$40,225
83	HK$45,933	HK$41,190
84	HK$46,692	HK$42,132
85	HK$47,757	HK$43,165
86	HK$48,438	HK$44,052
87	HK$49,080	HK$44,903
88	HK$49,673	HK$45,723
89	HK$50,220	HK$46,502
90	HK$50,148	HK$46,498
91	HK$50,595	HK$47,187
92	HK$50,988	HK$47,823
93	HK$51,325	HK$48,408
94	HK$51,607	HK$48,942
95	HK$51,848	HK$49,417
96	HK$52,010	HK$49,832
97	HK$52,110	HK$50,188
98	HK$52,152	HK$50,483
99	HK$52,130	HK$50,715

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.