SmartViva Flexi VHIS - HKD70,000 Deductible

非凡守護靈活自願醫保 - 70,000 港元自付費

BOC Group Life Assurance Company Limited

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Your premium

HK$5,217 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$70,000

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$5,103
1	HK$5,103
2	HK$5,103
3	HK$5,103
4	HK$5,103
5	HK$5,103
6	HK$3,618
7	HK$3,642
8	HK$3,664
9	HK$3,688
10	HK$3,711
11	HK$3,734
12	HK$3,758
13	HK$3,781
14	HK$3,805
15	HK$3,829
16	HK$3,854
17	HK$3,879
18	HK$3,902
19	HK$3,921
20	HK$3,934
21	HK$4,026
22	HK$4,119
23	HK$4,213
24	HK$4,306
25	HK$4,400
26	HK$4,511
27	HK$4,622
28	HK$4,733
29	HK$4,969
30	HK$5,217
31	HK$5,440
32	HK$5,670
33	HK$5,913
34	HK$6,166
35	HK$6,432
36	HK$6,629
37	HK$6,833
38	HK$7,044
39	HK$7,261
40	HK$7,488
41	HK$7,882
42	HK$8,297
43	HK$8,736
44	HK$9,198
45	HK$9,685
46	HK$10,243
47	HK$10,832
48	HK$11,456
49	HK$12,117
50	HK$12,816
51	HK$13,474
52	HK$14,166
53	HK$14,893
54	HK$15,660
55	HK$16,465
56	HK$17,448
57	HK$18,490
58	HK$19,594
59	HK$20,761
60	HK$21,997
61	HK$23,243
62	HK$24,556
63	HK$25,942
64	HK$27,401
65	HK$28,940
66	HK$30,758
67	HK$32,686
68	HK$34,728
69	HK$36,891
70	HK$38,788
71	HK$40,150
72	HK$41,545
73	HK$42,974
74	HK$44,434
75	HK$45,924
76	HK$46,107
77	HK$46,270
78	HK$46,408
79	HK$46,524
80	HK$46,615
81	HK$46,615
82	HK$46,615
83	HK$46,615
84	HK$46,615
85	HK$46,615
86	HK$46,615
87	HK$46,615
88	HK$46,615
89	HK$46,615
90	HK$46,615
91	HK$46,615
92	HK$46,615
93	HK$46,615
94	HK$46,615
95	HK$46,615
96	HK$46,615
97	HK$46,615
98	HK$46,615
99	HK$46,615

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

Current page

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.