SmartViva Flexi VHIS - HKD10,000 Deductible

非凡守護靈活自願醫保 - 10,000 港元自付費

BOC Group Life Assurance Company Limited

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Your premium

HK$8,859 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$10,000

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$10,064
1	HK$10,089
2	HK$10,112
3	HK$10,131
4	HK$10,148
5	HK$10,162
6	HK$6,782
7	HK$6,860
8	HK$6,939
9	HK$7,017
10	HK$7,094
11	HK$7,171
12	HK$7,247
13	HK$7,324
14	HK$7,398
15	HK$7,473
16	HK$7,549
17	HK$7,625
18	HK$7,636
19	HK$7,688
20	HK$7,740
21	HK$7,791
22	HK$7,841
23	HK$7,893
24	HK$7,944
25	HK$7,995
26	HK$7,993
27	HK$8,022
28	HK$8,291
29	HK$8,570
30	HK$8,859
31	HK$9,280
32	HK$9,722
33	HK$10,184
34	HK$10,669
35	HK$11,178
36	HK$11,698
37	HK$12,245
38	HK$12,816
39	HK$13,414
40	HK$14,043
41	HK$14,554
42	HK$15,084
43	HK$15,634
44	HK$16,206
45	HK$16,801
46	HK$17,485
47	HK$18,199
48	HK$18,944
49	HK$19,721
50	HK$20,530
51	HK$21,519
52	HK$22,558
53	HK$23,647
54	HK$24,791
55	HK$25,990
56	HK$27,325
57	HK$28,730
58	HK$30,207
59	HK$31,761
60	HK$33,395
61	HK$35,455
62	HK$37,641
63	HK$39,964
64	HK$42,427
65	HK$45,042
66	HK$47,779
67	HK$50,683
68	HK$53,758
69	HK$57,017
70	HK$59,865
71	HK$61,266
72	HK$62,688
73	HK$64,128
74	HK$65,588
75	HK$67,062
76	HK$67,836
77	HK$68,604
78	HK$69,369
79	HK$70,124
80	HK$70,874
81	HK$70,874
82	HK$70,874
83	HK$70,874
84	HK$70,874
85	HK$70,874
86	HK$70,874
87	HK$70,874
88	HK$70,874
89	HK$70,874
90	HK$70,874
91	HK$70,874
92	HK$70,874
93	HK$70,874
94	HK$70,874
95	HK$70,874
96	HK$70,874
97	HK$70,874
98	HK$70,874
99	HK$70,874

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4 deductibles — same benefit schedule, premium scales with deductible

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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.