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

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+升級保障1

Bank of China Group Insurance Company Limited

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Your premium

HK$5,702 /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

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

Age-tiered cap

SMM annual cap
- Age 76 or above: HK$100,000

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
SMM umbrella benefit (lifts multiple basic items) 附加重症住院保障 (適用的保障地域範圍為中國內地、香港、澳門，但因屬意外或急症情況下可擴展至全球)	Subject to 20% Coinsurance (i.e. 80% reimbursement rate). Annual benefit limit: aged 75 or below: $400,000 per Policy Year; aged 76 or above: $100,000 per Policy Year
Medical implants — specified items (top-up) (aa ) 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 (b b) 非指定項目	$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
SMM umbrella benefit (lifts multiple basic items)
附加重症住院保障 (適用的保障地域範圍為中國內地、香港、澳門，但因屬意外或急症情況下可擴展至全球)
Subject to 20% Coinsurance (i.e. 80% reimbursement rate). Annual benefit limit: aged 75 or below: $400,000 per Policy Year; aged 76 or above: $100,000 per Policy Year
Medical implants — specified items (top-up)
(aa ) 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
(b b) 非指定項目
$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$10,497	HK$9,310
1	HK$10,497	HK$9,310
2	HK$7,602	HK$6,345
3	HK$6,442	HK$5,200
4	HK$5,467	HK$4,277
5	HK$4,718	HK$3,620
6	HK$4,043	HK$3,052
7	HK$3,508	HK$2,630
8	HK$3,087	HK$2,345
9	HK$2,773	HK$2,168
10	HK$3,145	HK$2,548
11	HK$2,965	HK$2,535
12	HK$2,865	HK$2,600
13	HK$2,833	HK$2,723
14	HK$2,857	HK$2,897
15	HK$2,970	HK$3,188
16	HK$3,080	HK$3,422
17	HK$3,215	HK$3,673
18	HK$3,375	HK$3,933
19	HK$3,547	HK$4,198
20	HK$3,765	HK$4,577
21	HK$4,227	HK$5,430
22	HK$4,432	HK$5,722
23	HK$4,637	HK$6,017
24	HK$4,835	HK$6,298
25	HK$5,137	HK$6,728
26	HK$5,330	HK$6,998
27	HK$5,508	HK$7,257
28	HK$5,690	HK$7,510
29	HK$5,862	HK$7,753
30	HK$5,702	HK$7,872
31	HK$5,850	HK$7,903
32	HK$5,997	HK$7,935
33	HK$6,147	HK$8,150
34	HK$6,297	HK$8,370
35	HK$6,553	HK$8,855
36	HK$6,713	HK$9,080
37	HK$6,877	HK$9,312
38	HK$7,067	HK$9,572
39	HK$7,265	HK$9,845
40	HK$7,510	HK$10,262
41	HK$7,730	HK$10,647
42	HK$7,990	HK$10,958
43	HK$8,300	HK$11,315
44	HK$8,640	HK$11,685
45	HK$9,245	HK$12,468
46	HK$9,665	HK$12,880
47	HK$10,122	HK$13,310
48	HK$10,645	HK$13,768
49	HK$12,108	HK$15,950
50	HK$12,820	HK$16,633
51	HK$13,507	HK$17,192
52	HK$14,257	HK$17,782
53	HK$15,085	HK$18,372
54	HK$15,962	HK$18,982
55	HK$16,842	HK$19,478
56	HK$17,808	HK$20,125
57	HK$18,822	HK$20,795
58	HK$19,935	HK$21,527
59	HK$21,088	HK$22,285
60	HK$22,252	HK$22,683
61	HK$23,368	HK$23,052
62	HK$24,602	HK$23,862
63	HK$25,902	HK$24,693
64	HK$27,223	HK$25,563
65	HK$29,785	HK$27,193
66	HK$31,155	HK$28,170
67	HK$32,513	HK$29,205
68	HK$33,875	HK$30,378
69	HK$35,340	HK$31,527
70	HK$38,207	HK$33,902
71	HK$39,690	HK$35,268
72	HK$41,207	HK$36,657
73	HK$42,745	HK$38,132
74	HK$44,313	HK$39,645
75	HK$47,187	HK$42,110
76	HK$44,497	HK$40,653
77	HK$46,015	HK$42,157
78	HK$47,478	HK$43,627
79	HK$48,928	HK$45,093
80	HK$51,135	HK$46,925
81	HK$52,552	HK$48,375
82	HK$53,937	HK$49,798
83	HK$55,045	HK$51,087
84	HK$56,112	HK$52,338
85	HK$57,243	HK$53,487
86	HK$58,210	HK$54,663
87	HK$59,123	HK$55,787
88	HK$59,965	HK$56,862
89	HK$60,743	HK$57,882
90	HK$60,800	HK$57,995
91	HK$61,440	HK$58,885
92	HK$62,005	HK$59,708
93	HK$62,492	HK$60,457
94	HK$62,902	HK$61,133
95	HK$63,253	HK$61,728
96	HK$63,495	HK$62,240
97	HK$63,652	HK$62,667
98	HK$63,723	HK$63,010
99	HK$63,708	HK$63,265

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.