← Back to SmartViva Flexi VHIS - HKD series
SmartViva Flexi VHIS - HKD0 Deductible
非凡守護靈活自願醫保 - 0 港元自付費
BOC Group Life Assurance Company Limited
SmartViva Flexi VHIS - HKD0 Deductible is a VHIS Flexi plan offered by BOC Group Life Assurance Company Limited, with ward class Standard Private Room, Worldwide (excluding United States) coverage, HK$33,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Aug 1, 2022.
Your premium
HK$13,888 /yr
age
HK$Plan at a glance
- Ward class
- Standard Private Room
- Coverage region
- Worldwide (excluding United States)
- Deductible
- $0
- Annual benefit limit
- HK$33,000,000
- 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 | Full reimbursement of Eligible ExpensesR&C |
(b) Miscellaneous charges (b) 雜項開支 | Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)R&C |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | Full reimbursement of Eligible ExpensesR&C |
(d) Specialist's fee (d) 專科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(e) Intensive care (e) 深切治療 | Full reimbursement of Eligible ExpensesR&C |
(f) Surgeon's fee (f) 外科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(g) Anaesthetist's fee (g) 麻醉科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(h) Operating theatre charges (h) 手術室費 | Full reimbursement of Eligible ExpensesR&C |
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測 | Full reimbursement of Eligible ExpensesR&C |
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療 | Full reimbursement of Eligible ExpensesR&C |
(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 | Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure;• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure;• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C |
(l) Psychiatric treatments (l) 精神科治療 | Full reimbursement of Eligible ExpensesR&C |
| Extra Benefits | |
Medical implants / prosthetic devices 人工裝置 | $132,000 per device per Policy Year |
Chinese Medicine Practitioner outpatient care 住院或指定治療後由註冊中醫師提供之診症或針灸 | $600 per visit, maximum 20 visits per Policy Year |
Hospice and palliative care benefit 善終服務及緩和治療 | $132,000 per Policy Year |
Rehabilitation benefit 康復治療 | $3,000 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval) |
Emergency outpatient treatment for Accident 急症意外門診保障 | Full reimbursement of Eligible Expenses within 48 hours of the Accident or EmergencyR&C |
Complications of pregnancy 懷孕併發症 | $200,000 per Policy Year |
Outpatient kidney dialysis 日症病人洗腎 | Full reimbursement of Eligible ExpensesR&C |
Private nursing fee (during Confinement) 私家看護費 | $1,000 per day (maximum 90 days per Policy Year) |
Hospital companion bed fee reimbursement 陪床費 | Full reimbursement of Eligible ExpensesR&C |
Health check-up benefit 身體檢查保障 | $4,500 per Policy Year |
Overseas Organ Transplant Aggregate Limit 境外器官移植共用限額（香港／美國除外） | $1,650,000 per Policy Year |
| Event Benefits | |
Compassionate death benefit 恩恤身故賠償 | $5,000 |
Basic Benefits
- (a) Room and board(a) 病房及膳食Full reimbursement of Eligible ExpensesR&C
- (b) Miscellaneous charges(b) 雜項開支Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (i) Prosthesis)R&C
- (c) Attending doctor's visit fee(c) 主診醫生巡房費Full reimbursement of Eligible ExpensesR&C
- (d) Specialist's fee(d) 專科醫生費Full reimbursement of Eligible ExpensesR&C
- (e) Intensive care(e) 深切治療Full reimbursement of Eligible ExpensesR&C
- (f) Surgeon's fee(f) 外科醫生費Full reimbursement of Eligible ExpensesR&C
- (g) Anaesthetist's fee(g) 麻醉科醫生費Full reimbursement of Eligible ExpensesR&C
- (h) Operating theatre charges(h) 手術室費Full reimbursement of Eligible ExpensesR&C
- (i) Prescribed Diagnostic Imaging Tests(i) 訂明診斷成像檢測Full reimbursement of Eligible ExpensesR&C
- (j) Prescribed Non-surgical Cancer Treatments(j) 訂明非手術癌症治療Full reimbursement of Eligible ExpensesR&C
- (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Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure;• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure;• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
- (l) Psychiatric treatments(l) 精神科治療Full reimbursement of Eligible ExpensesR&C
Extra Benefits
- Medical implants / prosthetic devices人工裝置$132,000 per device per Policy Year
- Chinese Medicine Practitioner outpatient care住院或指定治療後由註冊中醫師提供之診症或針灸$600 per visit, maximum 20 visits per Policy Year
- Hospice and palliative care benefit善終服務及緩和治療$132,000 per Policy Year
- Rehabilitation benefit康復治療$3,000 per day (maximum 90 days per Disability per Policy Year) (subject to prior approval)
- Emergency outpatient treatment for Accident急症意外門診保障Full reimbursement of Eligible Expenses within 48 hours of the Accident or EmergencyR&C
- Complications of pregnancy懷孕併發症$200,000 per Policy Year
- Outpatient kidney dialysis日症病人洗腎Full reimbursement of Eligible ExpensesR&C
- Private nursing fee (during Confinement)私家看護費$1,000 per day (maximum 90 days per Policy Year)
- Hospital companion bed fee reimbursement陪床費Full reimbursement of Eligible ExpensesR&C
- Health check-up benefit身體檢查保障$4,500 per Policy Year
- Overseas Organ Transplant Aggregate Limit境外器官移植共用限額（香港／美國除外）$1,650,000 per Policy Year
Event Benefits
- Compassionate death benefit恩恤身故賠償$5,000
Premium Schedule
Annual premium · Single rate (gender / smoking agnostic) · HKD
| Age | Premium |
|---|---|
| 0 | HK$13,601 |
| 5 | HK$13,601 |
| 10 | HK$10,403 |
| 15 | HK$10,661 |
| 20 | HK$11,287 |
| 25 | HK$12,549 |
| 30 | HK$13,888 |
| 35 | HK$14,486 |
| 40 | HK$16,898 |
| 45 | HK$20,833 |
| 50 | HK$28,696 |
| 55 | HK$35,308 |
| 60 | HK$45,265 |
| 65 | HK$60,187 |
| 70 | HK$75,205 |
| 75 | HK$90,651 |
| 80 | HK$98,458 |
| 85 | HK$98,458 |
| 90 | HK$98,458 |
| 95 | HK$98,458 |
| 99 | HK$98,458 |
How to apply for this plan
This plan is offered by BOC Group Life Assurance Company Limited. To apply, contact BOC Group Life Assurance Company Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
This site's licensed insurance agent can only arrange FWD plans.
Other deductible options in this series
4 deductibles — same benefit schedule, premium scales with deductible
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
- Aug 1, 2022
- Plan data updated
- 2026-04-18