VHIS Standard · S00022-01-000-02

BOC Life Standard VHIS

中銀人壽標準自願醫保

BOC Group Life Assurance Company Limited

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Your premium

HK$2,707 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(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	$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Cash Benefits
Second-claim cash allowanceAfter other pays 特別獎賞	$200 per day, maximum 90 days per Policy Year
Event Benefits
Medical accident and incident extension benefit 醫療疏忽身故賠償	$100,000
Compassionate death benefit 恩恤身故賠償	$5,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(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
$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Cash Benefits

Second-claim cash allowanceAfter other pays
特別獎賞
$200 per day, maximum 90 days per Policy Year

Event Benefits

Medical accident and incident extension benefit
醫療疏忽身故賠償
$100,000
Compassionate death benefit
恩恤身故賠償
$5,000

Premium Schedule

Annual premium · 4 gender / smoking columns · HKD

Age	Male · Non-smoker	Male · Smoker	Female · Non-smoker	Female · Smoker
0	HK$3,360	HK$3,360	HK$3,360	HK$3,360
1	HK$3,227	HK$3,227	HK$3,217	HK$3,217
2	HK$3,055	HK$3,055	HK$3,054	HK$3,054
3	HK$2,885	HK$2,885	HK$2,897	HK$2,897
4	HK$2,702	HK$2,702	HK$2,747	HK$2,747
5	HK$2,518	HK$2,518	HK$2,598	HK$2,598
6	HK$2,475	HK$2,475	HK$2,475	HK$2,475
7	HK$2,475	HK$2,475	HK$2,475	HK$2,475
8	HK$2,475	HK$2,475	HK$2,475	HK$2,475
9	HK$2,475	HK$2,475	HK$2,475	HK$2,475
10	HK$2,475	HK$2,475	HK$2,475	HK$2,475
11	HK$2,475	HK$2,475	HK$2,475	HK$2,475
12	HK$2,475	HK$2,475	HK$2,475	HK$2,475
13	HK$2,475	HK$2,475	HK$2,475	HK$2,475
14	HK$2,475	HK$2,475	HK$2,475	HK$2,475
15	HK$2,475	HK$2,475	HK$2,475	HK$2,475
16	HK$2,475	HK$2,475	HK$2,475	HK$2,475
17	HK$2,475	HK$2,475	HK$2,475	HK$2,475
18	HK$2,475	HK$2,723	HK$2,475	HK$2,723
19	HK$2,475	HK$2,723	HK$2,475	HK$2,723
20	HK$2,475	HK$2,723	HK$2,475	HK$2,723
21	HK$2,504	HK$2,754	HK$2,504	HK$2,754
22	HK$2,539	HK$2,793	HK$2,539	HK$2,793
23	HK$2,535	HK$2,789	HK$2,620	HK$2,882
24	HK$2,529	HK$2,782	HK$2,705	HK$2,976
25	HK$2,518	HK$2,770	HK$2,803	HK$3,083
26	HK$2,560	HK$2,816	HK$2,863	HK$3,149
27	HK$2,602	HK$2,862	HK$2,929	HK$3,222
28	HK$2,637	HK$2,901	HK$3,013	HK$3,314
29	HK$2,675	HK$2,943	HK$3,119	HK$3,431
30	HK$2,707	HK$2,978	HK$3,260	HK$3,586
31	HK$2,755	HK$3,031	HK$3,442	HK$3,786
32	HK$2,862	HK$3,148	HK$3,641	HK$4,005
33	HK$3,024	HK$3,326	HK$3,798	HK$4,178
34	HK$3,141	HK$3,455	HK$4,018	HK$4,420
35	HK$3,254	HK$3,579	HK$4,205	HK$4,626
36	HK$3,350	HK$3,685	HK$4,369	HK$4,806
37	HK$3,446	HK$3,791	HK$4,517	HK$4,969
38	HK$3,546	HK$3,901	HK$4,668	HK$5,135
39	HK$3,659	HK$4,025	HK$4,838	HK$5,322
40	HK$3,757	HK$4,133	HK$5,056	HK$5,562
41	HK$3,852	HK$4,237	HK$5,304	HK$5,834
42	HK$3,934	HK$4,327	HK$5,580	HK$6,138
43	HK$4,083	HK$4,491	HK$5,811	HK$6,392
44	HK$4,226	HK$4,649	HK$6,042	HK$6,646
45	HK$4,457	HK$4,903	HK$6,244	HK$6,868
46	HK$4,693	HK$5,162	HK$6,396	HK$7,036
47	HK$4,930	HK$5,423	HK$6,571	HK$7,228
48	HK$5,166	HK$5,683	HK$6,717	HK$7,389
49	HK$5,400	HK$5,940	HK$6,875	HK$7,563
50	HK$5,660	HK$6,226	HK$7,006	HK$7,707
51	HK$5,938	HK$6,532	HK$7,153	HK$7,868
52	HK$6,310	HK$6,941	HK$7,251	HK$7,976
53	HK$6,685	HK$7,354	HK$7,386	HK$8,125
54	HK$7,084	HK$7,792	HK$7,587	HK$8,346
55	HK$7,497	HK$8,247	HK$7,864	HK$8,650
56	HK$7,775	HK$8,553	HK$8,013	HK$8,814
57	HK$8,030	HK$8,833	HK$8,184	HK$9,002
58	HK$8,289	HK$9,118	HK$8,351	HK$9,186
59	HK$8,555	HK$9,411	HK$8,512	HK$9,363
60	HK$8,830	HK$9,713	HK$8,663	HK$9,529
61	HK$9,184	HK$10,102	HK$8,862	HK$9,748
62	HK$9,565	HK$10,522	HK$9,235	HK$10,159
63	HK$10,005	HK$11,006	HK$9,648	HK$10,613
64	HK$10,412	HK$11,453	HK$10,011	HK$11,012
65	HK$11,379	HK$12,517	HK$10,879	HK$11,967
66	HK$11,985	HK$13,184	HK$11,371	HK$12,508
67	HK$12,481	HK$13,729	HK$11,798	HK$12,978
68	HK$13,099	HK$14,409	HK$12,370	HK$13,607
69	HK$13,770	HK$15,147	HK$12,978	HK$14,276
70	HK$14,275	HK$15,703	HK$13,487	HK$14,836
71	HK$14,704	HK$16,174	HK$13,915	HK$15,307
72	HK$15,137	HK$16,651	HK$14,338	HK$15,772
73	HK$15,550	HK$17,105	HK$14,782	HK$16,260
74	HK$15,969	HK$17,566	HK$15,219	HK$16,741
75	HK$16,297	HK$17,927	HK$15,598	HK$17,158
76	HK$16,699	HK$18,369	HK$16,049	HK$17,654
77	HK$17,103	HK$18,813	HK$16,498	HK$18,148
78	HK$17,507	HK$19,258	HK$16,946	HK$18,641
79	HK$17,939	HK$19,733	HK$17,367	HK$19,104
80	HK$18,239	HK$20,063	HK$17,720	HK$19,492
81	HK$18,437	HK$20,281	HK$17,964	HK$19,760
82	HK$18,636	HK$20,500	HK$18,207	HK$20,028
83	HK$18,836	HK$20,720	HK$18,449	HK$20,294
84	HK$19,037	HK$20,941	HK$18,691	HK$20,560
85	HK$19,260	HK$21,186	HK$18,910	HK$20,801
86	HK$19,483	HK$21,431	HK$19,129	HK$21,042
87	HK$19,706	HK$21,677	HK$19,349	HK$21,284
88	HK$19,928	HK$21,921	HK$19,568	HK$21,525
89	HK$20,151	HK$22,166	HK$19,788	HK$21,767
90	HK$20,372	HK$22,409	HK$20,009	HK$22,010
91	HK$20,593	HK$22,652	HK$20,230	HK$22,253
92	HK$20,814	HK$22,895	HK$20,451	HK$22,496
93	HK$21,034	HK$23,137	HK$20,673	HK$22,740
94	HK$21,256	HK$23,382	HK$20,894	HK$22,983
95	HK$21,477	HK$23,625	HK$21,115	HK$23,227
96	HK$21,697	HK$23,867	HK$21,337	HK$23,471
97	HK$21,918	HK$24,110	HK$21,558	HK$23,714
98	HK$22,138	HK$24,352	HK$21,780	HK$23,958
99	HK$22,359	HK$24,595	HK$22,002	HK$24,202

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Mar 28, 2021
Last verified: 2026-04-25

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.