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

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2

Bank of China Group Insurance Company Limited

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Your premium

HK$5,937 /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。	$200,000 per Policy Year
Medical implants — unspecified items (b b) 非指定項目	$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
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。
$200,000 per Policy Year
Medical implants — unspecified items
(b b) 非指定項目
$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$10,775	HK$9,583
1	HK$10,775	HK$9,583
2	HK$7,805	HK$6,538
3	HK$6,617	HK$5,363
4	HK$5,612	HK$4,408
5	HK$4,835	HK$3,727
6	HK$4,143	HK$3,138
7	HK$3,593	HK$2,702
8	HK$3,163	HK$2,415
9	HK$2,843	HK$2,233
10	HK$3,225	HK$2,630
11	HK$3,040	HK$2,618
12	HK$2,940	HK$2,688
13	HK$2,910	HK$2,820
14	HK$2,937	HK$2,998
15	HK$3,055	HK$3,307
16	HK$3,168	HK$3,548
17	HK$3,307	HK$3,808
18	HK$3,473	HK$4,080
19	HK$3,650	HK$4,357
20	HK$3,878	HK$4,768
21	HK$4,355	HK$5,658
22	HK$4,567	HK$5,970
23	HK$4,778	HK$6,287
24	HK$4,988	HK$6,593
25	HK$5,317	HK$7,113
26	HK$5,522	HK$7,410
27	HK$5,710	HK$7,697
28	HK$5,903	HK$7,978
29	HK$6,088	HK$8,250
30	HK$5,937	HK$8,507
31	HK$6,095	HK$8,545
32	HK$6,257	HK$8,578
33	HK$6,425	HK$8,825
34	HK$6,593	HK$9,072
35	HK$6,867	HK$9,713
36	HK$7,045	HK$9,960
37	HK$7,227	HK$10,215
38	HK$7,437	HK$10,517
39	HK$7,663	HK$10,828
40	HK$7,928	HK$11,410
41	HK$8,157	HK$11,902
42	HK$8,440	HK$12,257
43	HK$8,797	HK$12,677
44	HK$9,185	HK$13,107
45	HK$9,920	HK$14,127
46	HK$10,395	HK$14,603
47	HK$10,908	HK$15,100
48	HK$11,513	HK$15,630
49	HK$13,133	HK$18,120
50	HK$13,887	HK$18,858
51	HK$14,660	HK$19,497
52	HK$15,495	HK$20,170
53	HK$16,433	HK$20,822
54	HK$17,423	HK$21,493
55	HK$18,300	HK$21,925
56	HK$19,370	HK$22,632
57	HK$20,490	HK$23,363
58	HK$21,750	HK$24,192
59	HK$23,055	HK$25,048
60	HK$24,205	HK$25,138
61	HK$25,377	HK$25,243
62	HK$26,740	HK$26,123
63	HK$28,213	HK$27,013
64	HK$29,708	HK$27,943
65	HK$32,982	HK$29,742
66	HK$34,552	HK$30,787
67	HK$36,115	HK$31,887
68	HK$37,693	HK$33,188
69	HK$39,380	HK$34,465
70	HK$43,118	HK$37,325
71	HK$44,853	HK$38,838
72	HK$46,622	HK$40,373
73	HK$48,418	HK$42,038
74	HK$50,240	HK$43,740
75	HK$53,990	HK$46,805
76	HK$48,562	HK$43,622
77	HK$50,242	HK$45,248
78	HK$51,852	HK$46,837
79	HK$53,443	HK$48,418
80	HK$56,172	HK$50,630
81	HK$57,747	HK$52,203
82	HK$59,288	HK$53,752
83	HK$60,422	HK$55,105
84	HK$61,515	HK$56,420
85	HK$62,875	HK$57,775
86	HK$63,860	HK$59,012
87	HK$64,793	HK$60,197
88	HK$65,655	HK$61,337
89	HK$66,448	HK$62,415
90	HK$66,518	HK$62,583
91	HK$67,170	HK$63,533
92	HK$67,743	HK$64,410
93	HK$68,235	HK$65,212
94	HK$68,650	HK$65,940
95	HK$69,000	HK$66,582
96	HK$69,242	HK$67,142
97	HK$69,397	HK$67,613
98	HK$69,462	HK$67,998
99	HK$69,440	HK$68,292

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

Current page

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.