BOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan

中銀靈活自願醫保計劃認可產品 - 基本計劃

Bank of China Group Insurance Company Limited

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Your premium

HK$3,337 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

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Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

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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$5,982	HK$5,060
1	HK$5,982	HK$5,060
2	HK$4,367	HK$3,482
3	HK$3,713	HK$2,860
4	HK$3,162	HK$2,360
5	HK$2,720	HK$1,997
6	HK$2,342	HK$1,690
7	HK$2,037	HK$1,463
8	HK$1,800	HK$1,308
9	HK$1,620	HK$1,210
10	HK$1,558	HK$1,555
11	HK$1,590	HK$1,622
12	HK$1,673	HK$1,657
13	HK$1,818	HK$1,732
14	HK$1,830	HK$1,830
15	HK$1,902	HK$2,020
16	HK$1,962	HK$2,158
17	HK$2,043	HK$2,307
18	HK$2,135	HK$2,462
19	HK$2,237	HK$2,620
20	HK$2,365	HK$2,857
21	HK$2,480	HK$3,013
22	HK$2,593	HK$3,168
23	HK$2,708	HK$3,320
24	HK$2,820	HK$3,467
25	HK$2,998	HK$3,690
26	HK$3,103	HK$3,828
27	HK$3,205	HK$3,962
28	HK$3,308	HK$4,093
29	HK$3,402	HK$4,218
30	HK$3,337	HK$4,265
31	HK$3,422	HK$4,377
32	HK$3,503	HK$4,488
33	HK$3,585	HK$4,605
34	HK$3,667	HK$4,725
35	HK$3,832	HK$4,985
36	HK$3,918	HK$5,108
37	HK$4,013	HK$5,237
38	HK$4,113	HK$5,377
39	HK$4,223	HK$5,525
40	HK$4,368	HK$5,722
41	HK$4,492	HK$5,913
42	HK$4,637	HK$6,087
43	HK$4,805	HK$6,277
44	HK$4,990	HK$6,475
45	HK$5,332	HK$6,905
46	HK$5,558	HK$7,125
47	HK$5,807	HK$7,355
48	HK$6,088	HK$7,598
49	HK$6,875	HK$8,042
50	HK$7,293	HK$8,415
51	HK$7,670	HK$8,692
52	HK$8,075	HK$8,982
53	HK$8,520	HK$9,273
54	HK$8,995	HK$9,577
55	HK$9,515	HK$9,857
56	HK$10,040	HK$10,178
57	HK$10,592	HK$10,512
58	HK$11,187	HK$10,872
59	HK$11,807	HK$11,240
60	HK$12,510	HK$11,532
61	HK$13,125	HK$12,373
62	HK$13,792	HK$12,797
63	HK$14,490	HK$13,235
64	HK$15,193	HK$13,698
65	HK$16,592	HK$14,670
66	HK$17,312	HK$15,190
67	HK$18,025	HK$15,750
68	HK$18,730	HK$16,373
69	HK$19,510	HK$16,977
70	HK$21,068	HK$18,292
71	HK$21,855	HK$19,002
72	HK$22,657	HK$19,732
73	HK$23,473	HK$20,497
74	HK$24,307	HK$21,280
75	HK$25,843	HK$22,580
76	HK$25,107	HK$22,285
77	HK$25,938	HK$23,082
78	HK$26,747	HK$23,870
79	HK$27,542	HK$24,648
80	HK$28,682	HK$25,548
81	HK$29,458	HK$26,318
82	HK$30,213	HK$27,075
83	HK$30,853	HK$27,772
84	HK$31,465	HK$28,450
85	HK$32,000	HK$28,968
86	HK$32,558	HK$29,603
87	HK$33,078	HK$30,213
88	HK$33,565	HK$30,792
89	HK$34,017	HK$31,342
90	HK$33,912	HK$31,227
91	HK$34,282	HK$31,707
92	HK$34,608	HK$32,147
93	HK$34,892	HK$32,548
94	HK$35,128	HK$32,907
95	HK$35,335	HK$33,222
96	HK$35,478	HK$33,493
97	HK$35,573	HK$33,718
98	HK$35,617	HK$33,895
99	HK$35,612	HK$34,025

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.