BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with upgraded benefits 3

中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障3

Bank of China Group Insurance Company Limited

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Your premium

HK$4,485 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

—

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。	$300,000 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	$150,000 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。
$300,000 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
$150,000 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$7,842	HK$7,015
1	HK$7,842	HK$7,015
2	HK$5,727	HK$4,843
3	HK$4,870	HK$3,985
4	HK$4,145	HK$3,288
5	HK$3,538	HK$2,760
6	HK$3,038	HK$2,327
7	HK$2,638	HK$2,005
8	HK$2,333	HK$1,802
9	HK$2,102	HK$1,675
10	HK$2,387	HK$1,980
11	HK$2,255	HK$1,975
12	HK$2,180	HK$2,025
13	HK$2,157	HK$2,122
14	HK$2,175	HK$2,252
15	HK$2,268	HK$2,493
16	HK$2,347	HK$2,670
17	HK$2,445	HK$2,858
18	HK$2,560	HK$3,058
19	HK$2,683	HK$3,260
20	HK$2,855	HK$3,605
21	HK$3,202	HK$4,278
22	HK$3,350	HK$4,513
23	HK$3,507	HK$4,767
24	HK$3,658	HK$5,010
25	HK$3,952	HK$5,558
26	HK$4,102	HK$5,807
27	HK$4,248	HK$6,048
28	HK$4,402	HK$6,287
29	HK$4,552	HK$6,520
30	HK$4,485	HK$7,022
31	HK$4,618	HK$7,055
32	HK$4,750	HK$7,085
33	HK$4,897	HK$7,307
34	HK$5,042	HK$7,532
35	HK$5,283	HK$8,298
36	HK$5,435	HK$8,513
37	HK$5,593	HK$8,730
38	HK$5,782	HK$9,015
39	HK$5,983	HK$9,308
40	HK$6,203	HK$10,040
41	HK$6,377	HK$10,597
42	HK$6,613	HK$10,922
43	HK$6,947	HK$11,325
44	HK$7,297	HK$11,742
45	HK$8,080	HK$12,945
46	HK$8,512	HK$13,400
47	HK$8,968	HK$13,868
48	HK$9,538	HK$14,373
49	HK$10,947	HK$16,680
50	HK$11,550	HK$17,307
51	HK$12,238	HK$17,903
52	HK$12,962	HK$18,518
53	HK$13,810	HK$19,077
54	HK$14,693	HK$19,647
55	HK$15,278	HK$19,790
56	HK$16,193	HK$20,378
57	HK$17,145	HK$20,980
58	HK$18,282	HK$21,725
59	HK$19,448	HK$22,487
60	HK$20,197	HK$21,907
61	HK$21,070	HK$21,400
62	HK$22,227	HK$22,120
63	HK$23,545	HK$22,823
64	HK$24,875	HK$23,557
65	HK$28,642	HK$25,217
66	HK$30,083	HK$26,043
67	HK$31,517	HK$26,915
68	HK$32,987	HK$28,043
69	HK$34,562	HK$29,148
70	HK$38,993	HK$32,193
71	HK$40,660	HK$33,488
72	HK$42,347	HK$34,807
73	HK$44,062	HK$36,297
74	HK$45,798	HK$37,810
75	HK$50,217	HK$41,187
76	HK$39,790	HK$34,722
77	HK$41,185	HK$36,020
78	HK$42,507	HK$37,280
79	HK$43,812	HK$38,532
80	HK$46,533	HK$40,637
81	HK$47,847	HK$41,898
82	HK$49,135	HK$43,143
83	HK$49,943	HK$44,153
84	HK$50,715	HK$45,138
85	HK$51,953	HK$46,332
86	HK$52,650	HK$47,263
87	HK$53,308	HK$48,160
88	HK$53,913	HK$49,025
89	HK$54,468	HK$49,847
90	HK$54,412	HK$49,892
91	HK$54,865	HK$50,620
92	HK$55,263	HK$51,298
93	HK$55,603	HK$51,922
94	HK$55,887	HK$52,492
95	HK$56,130	HK$53,002
96	HK$56,290	HK$53,453
97	HK$56,388	HK$53,843
98	HK$56,423	HK$54,170
99	HK$56,395	HK$54,435

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.