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

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Your premium

HK$13,888 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

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
Cancer / cardiac / stroke 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 於任何地方但不包括美國及香港進行的器官移植手術並取得預先批准,其 1) 基本保障下保障項目(a) – (i)及(k),以及 2) 額外保障下保障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限額	$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
Cancer / cardiac / stroke 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
於任何地方但不包括美國及香港進行的器官移植手術並取得預先批准,其 1) 基本保障下保障項目(a) – (i)及(k),以及 2) 額外保障下保障項目(a)、(b)、(f)、(g)、(h)及(i)的總保障限額
$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
1	HK$13,601
2	HK$13,601
3	HK$13,601
4	HK$13,601
5	HK$13,601
6	HK$10,201
7	HK$10,251
8	HK$10,302
9	HK$10,353
10	HK$10,403
11	HK$10,454
12	HK$10,506
13	HK$10,557
14	HK$10,609
15	HK$10,661
16	HK$10,714
17	HK$10,766
18	HK$10,819
19	HK$11,050
20	HK$11,287
21	HK$11,529
22	HK$11,776
23	HK$12,028
24	HK$12,287
25	HK$12,549
26	HK$12,807
27	HK$13,069
28	HK$13,336
29	HK$13,610
30	HK$13,888
31	HK$14,006
32	HK$14,124
33	HK$14,244
34	HK$14,364
35	HK$14,486
36	HK$14,939
37	HK$15,406
38	HK$15,888
39	HK$16,385
40	HK$16,898
41	HK$17,621
42	HK$18,374
43	HK$19,160
44	HK$19,979
45	HK$20,833
46	HK$22,211
47	HK$23,681
48	HK$25,246
49	HK$26,916
50	HK$28,696
51	HK$29,911
52	HK$31,177
53	HK$32,498
54	HK$33,874
55	HK$35,308
56	HK$37,106
57	HK$38,997
58	HK$40,984
59	HK$43,070
60	HK$45,265
61	HK$47,872
62	HK$50,627
63	HK$53,543
64	HK$56,627
65	HK$60,187
66	HK$63,000
67	HK$66,583
68	HK$69,676
69	HK$73,252
70	HK$75,205
71	HK$78,738
72	HK$82,039
73	HK$85,077
74	HK$87,820
75	HK$90,651
76	HK$93,187
77	HK$94,909
78	HK$96,654
79	HK$97,552
80	HK$98,458
81	HK$98,458
82	HK$98,458
83	HK$98,458
84	HK$98,458
85	HK$98,458
86	HK$98,458
87	HK$98,458
88	HK$98,458
89	HK$98,458
90	HK$98,458
91	HK$98,458
92	HK$98,458
93	HK$98,458
94	HK$98,458
95	HK$98,458
96	HK$98,458
97	HK$98,458
98	HK$98,458
99	HK$98,458

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$10K

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HK$30K

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HK$70K

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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: Aug 1, 2022
Last verified: 2026-04-18

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.