BOC Standard Voluntary Health Insurance Scheme Certified Plan

中銀標準自願醫保計劃認可產品

Bank of China Group Insurance Company Limited

BOC Standard Voluntary Health Insurance Scheme Certified Plan is a VHIS Standard plan offered by Bank of China Group Insurance Company Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Apr 1, 2021.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$2,323 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
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	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 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	$580, per visit, $3,000 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	$30,000 per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
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
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 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
$580, per visit, $3,000 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
$30,000 per Policy Year

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$3,648	HK$2,793
1	HK$3,648	HK$2,793
2	HK$2,765	HK$2,050
3	HK$2,415	HK$1,712
4	HK$2,322	HK$1,618
5	HK$2,117	HK$1,450
6	HK$1,955	HK$1,327
7	HK$1,832	HK$1,238
8	HK$1,745	HK$1,195
9	HK$1,618	HK$1,155
10	HK$1,532	HK$1,128
11	HK$1,477	HK$1,128
12	HK$1,452	HK$1,152
13	HK$1,442	HK$1,217
14	HK$1,455	HK$1,300
15	HK$1,485	HK$1,398
16	HK$1,532	HK$1,515
17	HK$1,555	HK$1,572
18	HK$1,592	HK$1,657
19	HK$1,627	HK$1,760
20	HK$1,668	HK$1,862
21	HK$1,705	HK$1,962
22	HK$1,745	HK$2,060
23	HK$1,800	HK$2,147
24	HK$1,857	HK$2,232
25	HK$1,962	HK$2,397
26	HK$2,065	HK$2,562
27	HK$2,170	HK$2,723
28	HK$2,223	HK$2,795
29	HK$2,273	HK$2,863
30	HK$2,323	HK$2,928
31	HK$2,607	HK$3,447
32	HK$2,657	HK$3,518
33	HK$2,742	HK$3,665
34	HK$2,832	HK$3,815
35	HK$2,918	HK$3,970
36	HK$3,013	HK$4,133
37	HK$3,112	HK$4,305
38	HK$3,197	HK$4,453
39	HK$3,290	HK$4,612
40	HK$3,390	HK$4,782
41	HK$3,503	HK$4,955
42	HK$3,625	HK$5,140
43	HK$3,778	HK$5,302
44	HK$3,947	HK$5,470
45	HK$4,130	HK$5,650
46	HK$4,337	HK$5,832
47	HK$4,565	HK$6,017
48	HK$4,792	HK$6,177
49	HK$5,043	HK$6,343
50	HK$5,317	HK$6,515
51	HK$5,612	HK$6,693
52	HK$5,932	HK$6,880
53	HK$6,313	HK$7,115
54	HK$6,722	HK$7,357
55	HK$7,150	HK$7,612
56	HK$7,612	HK$7,870
57	HK$8,105	HK$8,140
58	HK$8,447	HK$8,368
59	HK$8,812	HK$8,608
60	HK$9,188	HK$8,855
61	HK$9,577	HK$9,112
62	HK$9,977	HK$9,378
63	HK$10,537	HK$9,700
64	HK$11,100	HK$10,032
65	HK$11,660	HK$10,377
66	HK$12,207	HK$10,735
67	HK$12,740	HK$11,105
68	HK$13,305	HK$11,678
69	HK$13,868	HK$12,265
70	HK$14,417	HK$12,867
71	HK$14,957	HK$13,612
72	HK$15,490	HK$14,395
73	HK$15,942	HK$14,803
74	HK$16,427	HK$15,242
75	HK$16,928	HK$15,707
76	HK$17,435	HK$16,303
77	HK$17,973	HK$16,907
78	HK$18,520	HK$17,743
79	HK$19,060	HK$18,572
80	HK$19,610	HK$19,387
81	HK$20,332	HK$20,023
82	HK$21,030	HK$20,617
83	HK$21,560	HK$21,278
84	HK$22,028	HK$21,903
85	HK$22,428	HK$22,483
86	HK$22,585	HK$22,872
87	HK$22,692	HK$23,222
88	HK$22,970	HK$23,563
89	HK$23,243	HK$23,898
90	HK$23,513	HK$24,225
91	HK$23,773	HK$24,548
92	HK$24,027	HK$24,868
93	HK$24,347	HK$25,152
94	HK$24,630	HK$25,398
95	HK$24,878	HK$25,605
96	HK$25,085	HK$25,772
97	HK$25,242	HK$25,898
98	HK$25,417	HK$26,025
99	HK$25,453	HK$26,068

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

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: 2026-04-17