SmartViva Flexi VHIS - HKD30,000 Deductible

非凡守護靈活自願醫保 - 30,000 港元自付費

BOC Group Life Assurance Company Limited

Add to compare

Your premium

HK$7,503 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$30,000

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$7,542
1	HK$7,542
2	HK$7,542
3	HK$7,542
4	HK$7,542
5	HK$7,542
6	HK$5,813
7	HK$5,834
8	HK$5,857
9	HK$5,878
10	HK$5,901
11	HK$5,922
12	HK$5,945
13	HK$5,967
14	HK$5,989
15	HK$6,012
16	HK$6,033
17	HK$6,055
18	HK$6,064
19	HK$6,096
20	HK$6,128
21	HK$6,162
22	HK$6,196
23	HK$6,559
24	HK$6,561
25	HK$6,673
26	HK$6,777
27	HK$6,930
28	HK$7,080
29	HK$7,222
30	HK$7,503
31	HK$7,634
32	HK$8,002
33	HK$8,390
34	HK$8,798
35	HK$9,226
36	HK$9,462
37	HK$9,705
38	HK$9,957
39	HK$10,217
40	HK$10,488
41	HK$10,994
42	HK$11,529
43	HK$12,092
44	HK$12,684
45	HK$13,310
46	HK$14,030
47	HK$14,795
48	HK$15,603
49	HK$16,458
50	HK$17,367
51	HK$18,217
52	HK$19,114
53	HK$20,058
54	HK$21,051
55	HK$22,096
56	HK$23,381
57	HK$24,744
58	HK$26,185
59	HK$27,711
60	HK$29,323
61	HK$30,948
62	HK$32,660
63	HK$34,461
64	HK$36,352
65	HK$38,339
66	HK$40,472
67	HK$42,711
68	HK$45,055
69	HK$47,508
70	HK$49,069
71	HK$49,908
72	HK$51,248
73	HK$52,807
74	HK$54,406
75	HK$56,049
76	HK$56,439
77	HK$56,825
78	HK$57,206
79	HK$57,583
80	HK$57,956
81	HK$57,956
82	HK$57,956
83	HK$57,956
84	HK$57,956
85	HK$57,956
86	HK$57,956
87	HK$57,956
88	HK$57,956
89	HK$57,956
90	HK$57,956
91	HK$57,956
92	HK$57,956
93	HK$57,956
94	HK$57,956
95	HK$57,956
96	HK$57,956
97	HK$57,956
98	HK$57,956
99	HK$57,956

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

HK$0

View details →

HK$10K

View details →

HK$30K

Current page

HK$70K

View details →

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.