VHIS Plan
SmartViva Flexi VHIS - HKD
非凡守護靈活自願醫保
BOC Group Life Assurance Company Limited·4 plan options
SmartViva Flexi VHIS - HKD is a VHIS Flexi plan offered by BOC Group Life Assurance Company Limited, with ward class Standard Private Room, Worldwide (excluding United States) coverage and HK$33,000,000 annual benefit limit. Latest plan-document version: Aug 1, 2022.
01 · Plan options
4 options — premiums differ; deductible, ward class or cover may also differDeductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$13,888 /yr
View details →
Deductible
10,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,859 /yr
View details →
Deductible
30,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,503 /yr
View details →
Deductible
70,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,217 /yr
View details →
02 · Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible | HK$13,601 | HK$10,403 | HK$11,287 | HK$13,888 | HK$16,898 | HK$28,696 | HK$45,265 | HK$75,205 | HK$98,458 |
| HKD10,000 Deductible | HK$10,064 | HK$7,094 | HK$7,740 | HK$8,859 | HK$14,043 | HK$20,530 | HK$33,395 | HK$59,865 | HK$70,874 |
| HKD30,000 Deductible | HK$7,542 | HK$5,901 | HK$6,128 | HK$7,503 | HK$10,488 | HK$17,367 | HK$29,323 | HK$49,069 | HK$57,956 |
| HKD70,000 Deductible | HK$5,103 | HK$3,711 | HK$3,934 | HK$5,217 | HK$7,488 | HK$12,816 | HK$21,997 | HK$38,788 | HK$46,615 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible | HK$13,601 | HK$10,403 | HK$11,287 | HK$13,888 | HK$16,898 | HK$28,696 | HK$45,265 | HK$75,205 | HK$98,458 |
| HKD10,000 Deductible | HK$10,064 | HK$7,094 | HK$7,740 | HK$8,859 | HK$14,043 | HK$20,530 | HK$33,395 | HK$59,865 | HK$70,874 |
| HKD30,000 Deductible | HK$7,542 | HK$5,901 | HK$6,128 | HK$7,503 | HK$10,488 | HK$17,367 | HK$29,323 | HK$49,069 | HK$57,956 |
| HKD70,000 Deductible | HK$5,103 | HK$3,711 | HK$3,934 | HK$5,217 | HK$7,488 | HK$12,816 | HK$21,997 | HK$38,788 | HK$46,615 |
Why so many deductible options?
The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.
Deductibles FAQ →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.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Aug 1, 2022
- Plan data updated
- 2026-04-18