BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan with SMM

中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障

Bank of China Group Insurance Company Limited

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Your premium

HK$5,190 /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

HK$400,000／per policy year, 20% coinsurance

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
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
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$9,622	HK$8,515
1	HK$9,622	HK$8,515
2	HK$6,965	HK$5,800
3	HK$5,902	HK$4,750
4	HK$5,008	HK$3,905
5	HK$4,330	HK$3,313
6	HK$3,713	HK$2,795
7	HK$3,222	HK$2,412
8	HK$2,837	HK$2,148
9	HK$2,548	HK$1,985
10	HK$2,470	HK$2,228
11	HK$2,532	HK$2,313
12	HK$2,558	HK$2,373
13	HK$2,602	HK$2,487
14	HK$2,623	HK$2,643
15	HK$2,727	HK$2,910
16	HK$2,827	HK$3,122
17	HK$2,950	HK$3,350
18	HK$3,095	HK$3,585
19	HK$3,253	HK$3,827
20	HK$3,450	HK$4,168
21	HK$3,878	HK$4,938
22	HK$4,065	HK$5,202
23	HK$4,252	HK$5,463
24	HK$4,433	HK$5,713
25	HK$4,697	HK$6,057
26	HK$4,868	HK$6,290
27	HK$5,032	HK$6,515
28	HK$5,193	HK$6,735
29	HK$5,345	HK$6,948
30	HK$5,190	HK$6,970
31	HK$5,323	HK$6,997
32	HK$5,450	HK$7,022
33	HK$5,580	HK$7,205
34	HK$5,708	HK$7,393
35	HK$5,938	HK$7,748
36	HK$6,077	HK$7,943
37	HK$6,222	HK$8,145
38	HK$6,380	HK$8,363
39	HK$6,552	HK$8,592
40	HK$6,768	HK$8,875
41	HK$6,968	HK$9,162
42	HK$7,197	HK$9,430
43	HK$7,457	HK$9,722
44	HK$7,747	HK$10,028
45	HK$8,232	HK$10,615
46	HK$8,587	HK$10,957
47	HK$8,977	HK$11,315
48	HK$9,415	HK$11,695
49	HK$10,683	HK$13,542
50	HK$11,323	HK$14,150
51	HK$11,913	HK$14,618
52	HK$12,558	HK$15,120
53	HK$13,262	HK$15,628
54	HK$14,012	HK$16,160
55	HK$14,838	HK$16,668
56	HK$15,675	HK$17,235
57	HK$16,557	HK$17,823
58	HK$17,500	HK$18,447
59	HK$18,483	HK$19,093
60	HK$19,588	HK$19,665
61	HK$20,597	HK$20,187
62	HK$21,667	HK$20,898
63	HK$22,777	HK$21,637
64	HK$23,903	HK$22,412
65	HK$25,850	HK$23,840
66	HK$27,000	HK$24,710
67	HK$28,143	HK$25,635
68	HK$29,277	HK$26,648
69	HK$30,503	HK$27,645
70	HK$32,632	HK$29,563
71	HK$33,858	HK$30,745
72	HK$35,112	HK$31,953
73	HK$36,388	HK$33,212
74	HK$37,690	HK$34,503
75	HK$39,818	HK$36,433
76	HK$38,312	HK$35,687
77	HK$39,595	HK$36,987
78	HK$40,843	HK$38,270
79	HK$42,078	HK$39,547
80	HK$43,680	HK$40,932
81	HK$44,875	HK$42,185
82	HK$46,040	HK$43,417
83	HK$47,065	HK$44,572
84	HK$48,048	HK$45,697
85	HK$48,905	HK$46,587
86	HK$49,797	HK$47,638
87	HK$50,640	HK$48,645
88	HK$51,422	HK$49,603
89	HK$52,145	HK$50,512
90	HK$52,175	HK$50,553
91	HK$52,772	HK$51,343
92	HK$53,297	HK$52,070
93	HK$53,753	HK$52,728
94	HK$54,135	HK$53,320
95	HK$54,465	HK$53,837
96	HK$54,697	HK$54,277
97	HK$54,848	HK$54,642
98	HK$54,922	HK$54,927
99	HK$54,915	HK$55,130

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

Current page

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.