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

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3

Bank of China Group Insurance Company Limited

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Your premium

HK$6,165 /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。	$300,000 per Policy Year
Medical implants — unspecified items (b b) 非指定項目	$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
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。
$300,000 per Policy Year
Medical implants — unspecified items
(b b) 非指定項目
$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$10,945	HK$9,777
1	HK$10,945	HK$9,777
2	HK$7,932	HK$6,683
3	HK$6,727	HK$5,482
4	HK$5,705	HK$4,510
5	HK$4,903	HK$3,803
6	HK$4,200	HK$3,200
7	HK$3,640	HK$2,752
8	HK$3,207	HK$2,462
9	HK$2,885	HK$2,283
10	HK$3,272	HK$2,697
11	HK$3,090	HK$2,688
12	HK$2,988	HK$2,763
13	HK$2,962	HK$2,900
14	HK$2,988	HK$3,090
15	HK$3,115	HK$3,410
16	HK$3,233	HK$3,662
17	HK$3,378	HK$3,933
18	HK$3,547	HK$4,215
19	HK$3,727	HK$4,505
20	HK$3,968	HK$4,955
21	HK$4,457	HK$5,888
22	HK$4,672	HK$6,218
23	HK$4,895	HK$6,563
24	HK$5,112	HK$6,895
25	HK$5,478	HK$7,542
26	HK$5,692	HK$7,872
27	HK$5,892	HK$8,192
28	HK$6,098	HK$8,508
29	HK$6,300	HK$8,815
30	HK$6,165	HK$9,270
31	HK$6,342	HK$9,317
32	HK$6,517	HK$9,358
33	HK$6,705	HK$9,640
34	HK$6,895	HK$9,927
35	HK$7,195	HK$10,778
36	HK$7,390	HK$11,057
37	HK$7,595	HK$11,340
38	HK$7,838	HK$11,695
39	HK$8,095	HK$12,060
40	HK$8,383	HK$12,873
41	HK$8,622	HK$13,515
42	HK$8,935	HK$13,925
43	HK$9,353	HK$14,423
44	HK$9,802	HK$14,937
45	HK$10,712	HK$16,273
46	HK$11,260	HK$16,840
47	HK$11,848	HK$17,423
48	HK$12,562	HK$18,052
49	HK$14,382	HK$20,943
50	HK$15,183	HK$21,742
51	HK$16,063	HK$22,490
52	HK$17,005	HK$23,272
53	HK$18,090	HK$24,000
54	HK$19,223	HK$24,752
55	HK$20,085	HK$25,078
56	HK$21,283	HK$25,860
57	HK$22,535	HK$26,667
58	HK$23,990	HK$27,622
59	HK$25,488	HK$28,602
60	HK$26,597	HK$28,247
61	HK$27,827	HK$27,960
62	HK$29,355	HK$28,928
63	HK$31,050	HK$29,885
64	HK$32,765	HK$30,883
65	HK$37,017	HK$32,900
66	HK$38,853	HK$34,022
67	HK$40,680	HK$35,200
68	HK$42,545	HK$36,658
69	HK$44,527	HK$38,095
70	HK$49,460	HK$41,618
71	HK$51,528	HK$43,313
72	HK$53,628	HK$45,037
73	HK$55,762	HK$46,945
74	HK$57,925	HK$48,888
75	HK$62,870	HK$52,772
76	HK$51,615	HK$45,822
77	HK$53,418	HK$47,542
78	HK$55,137	HK$49,218
79	HK$56,838	HK$50,887
80	HK$59,965	HK$53,390
81	HK$61,658	HK$55,055
82	HK$63,315	HK$56,700
83	HK$64,470	HK$58,095
84	HK$65,580	HK$59,457
85	HK$67,115	HK$60,973
86	HK$68,115	HK$62,257
87	HK$69,063	HK$63,487
88	HK$69,935	HK$64,670
89	HK$70,737	HK$65,793
90	HK$70,823	HK$66,010
91	HK$71,483	HK$67,000
92	HK$72,060	HK$67,920
93	HK$72,557	HK$68,760
94	HK$72,973	HK$69,527
95	HK$73,325	HK$70,205
96	HK$73,567	HK$70,798
97	HK$73,717	HK$71,303
98	HK$73,777	HK$71,723
99	HK$73,748	HK$72,050

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

View details →

with SMM & upgraded benefits 1

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with SMM & upgraded benefits 2

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with SMM & upgraded benefits 3

Current page

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.