VFlexi Voluntary Health Insurance Plan - Plan 1

智適選自願醫療保險計劃 - 計劃一

Bolttech Insurance (Hong Kong) Company Limited

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Your premium

HK$2,785 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$450,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

—

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

Age-tiered cap

Annual benefit limit
- Under age 75: No cap
- Age 75 or above: HK$450,000

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	$800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$15,500 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$800 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$5,600 per Policy Year
(e) Intensive care (e) 深切治療	$5,100 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	$75,000
(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	$90,000 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	$3,000 per Confinement / Day Case Procedure• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Follow-up outpatient visits 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
Extra Benefits
Emergency outpatient treatment for Accident 緊急門診治療	$1,000 per Policy Year within 72 hours of the Accident
Outpatient kidney dialysis 門診洗腎	$90,000 per Policy Year
Daily post-surgery home nursing benefit 家居看護	$500 per day, maximum 30 days per Policy Year
Hospital companion bed fee reimbursement 陪床費	$500 per day, maximum 30 days per Policy Year
Emergency dental benefit (Accident only) 意外牙科門診治療	$5,000 per Policy Year, within 2 weeks of the Accident
Cash Benefits
Day surgery cash benefit 日間手術現金保障	$1,000 per Day Case Procedure, maximum 20 times per Policy Year
Second-claim cash allowanceAfter other pays 第二索償現金補貼保障	$300 per day of Confinement, maximum 60 days per Policy Year
Event Benefits
Accidental Death benefit 意外身故保障	$50,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$15,500 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$800 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$5,600 per Policy Year
(e) Intensive care
(e) 深切治療
$5,100 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
$75,000
(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
$90,000 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
$3,000 per Confinement / Day Case Procedure• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Follow-up outpatient visits 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

Extra Benefits

Emergency outpatient treatment for Accident
緊急門診治療
$1,000 per Policy Year within 72 hours of the Accident
Outpatient kidney dialysis
門診洗腎
$90,000 per Policy Year
Daily post-surgery home nursing benefit
家居看護
$500 per day, maximum 30 days per Policy Year
Hospital companion bed fee reimbursement
陪床費
$500 per day, maximum 30 days per Policy Year
Emergency dental benefit (Accident only)
意外牙科門診治療
$5,000 per Policy Year, within 2 weeks of the Accident

Cash Benefits

Day surgery cash benefit
日間手術現金保障
$1,000 per Day Case Procedure, maximum 20 times per Policy Year
Second-claim cash allowanceAfter other pays
第二索償現金補貼保障
$300 per day of Confinement, maximum 60 days per Policy Year

Event Benefits

Accidental Death benefit
意外身故保障
$50,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
2 yrs	10%
3 yrs	15%

Verbatim clause

補充文件 – 無索償保費折扣（本文件旨在補充條款及保障第三部分的保費條文。）無索償保費折扣 1. 若： (a) 本保單已生效一(1)個或以上且連續的保單年度；及 (b) 在本條款及保障下，於下一次保單續保前緊接的一(1)個或以上且連續的保單年度內，本公司沒有就已招致的索償及/或現金保障作出結算及賠償保障(“無索償期“)。就本條文而言，索償應被視為於以下日期招致- (i) 受保人入住醫院的首日；或 (ii) 受保人以日症病人的身份接受醫療服務的當日；則保單持有人將合資格在下一個保單年度的續保保費上，根據本條款及保障享有以下比率的保費折扣 (“無索償保費折扣“)： • 若維持一(1)年的無索償期，下一年度續保保費可享百分之五的折扣 • 若維持連續兩(2)年的無索償期，下一年度續保保費可享百分之十的折扣 • 若維持連續三(3)年或以上的無索償期，下一年度續保保費可享百分之十五的折扣 2. 為免存疑，在本條款及保障下，若索償在續保日前招致，但在續保日之後作出結算並賠償任何保障，而保單持有人已繳交下一保單年度續保保費並獲得無索償保費折扣，本公司將決定該保單持有人是否仍有資格享有無索償保費折扣。若本公司認定保單持有人不再有資格享有無索償保費折扣，保單持有人在本公司要求下，需在三十(30)天內向本公司支付餘下到期的續保保費以免保單失效。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00078/F00078-01-000-01-PlanDoc-c.pdf

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$3,245	HK$3,245
1	HK$3,245	HK$3,245
2	HK$3,245	HK$3,245
3	HK$3,245	HK$3,245
4	HK$3,245	HK$3,245
5	HK$2,214	HK$2,214
6	HK$2,214	HK$2,214
7	HK$2,214	HK$2,214
8	HK$2,214	HK$2,214
9	HK$2,214	HK$2,214
10	HK$2,214	HK$2,214
11	HK$2,214	HK$2,214
12	HK$2,214	HK$2,214
13	HK$2,214	HK$2,214
14	HK$2,214	HK$2,214
15	HK$2,214	HK$2,214
16	HK$2,214	HK$2,214
17	HK$2,214	HK$2,214
18	HK$2,305	HK$2,361
19	HK$2,319	HK$2,419
20	HK$2,330	HK$2,425
21	HK$2,341	HK$2,432
22	HK$2,350	HK$2,439
23	HK$2,363	HK$2,451
24	HK$2,377	HK$2,468
25	HK$2,396	HK$2,685
26	HK$2,643	HK$2,975
27	HK$2,657	HK$2,997
28	HK$2,677	HK$3,019
29	HK$2,716	HK$3,068
30	HK$2,785	HK$3,158
31	HK$2,821	HK$3,229
32	HK$2,862	HK$3,312
33	HK$2,889	HK$3,355
34	HK$2,921	HK$3,377
35	HK$3,153	HK$3,822
36	HK$3,207	HK$3,880
37	HK$3,235	HK$3,909
38	HK$3,269	HK$3,949
39	HK$3,327	HK$4,017
40	HK$3,439	HK$4,168
41	HK$3,764	HK$4,535
42	HK$3,840	HK$4,615
43	HK$3,921	HK$4,706
44	HK$3,970	HK$4,808
45	HK$5,250	HK$5,887
46	HK$5,360	HK$6,002
47	HK$5,424	HK$6,075
48	HK$5,488	HK$6,145
49	HK$5,554	HK$6,215
50	HK$5,727	HK$6,422
51	HK$6,120	HK$6,890
52	HK$6,251	HK$7,017
53	HK$6,399	HK$7,190
54	HK$6,637	HK$7,427
55	HK$8,258	HK$8,612
56	HK$8,524	HK$8,885
57	HK$8,672	HK$9,038
58	HK$8,851	HK$9,223
59	HK$9,257	HK$9,635
60	HK$10,656	HK$10,656
61	HK$10,998	HK$10,998
62	HK$11,179	HK$11,179
63	HK$11,378	HK$11,378
64	HK$11,658	HK$11,658
65	HK$13,606	HK$13,606
66	HK$14,507	HK$14,507
67	HK$14,870	HK$14,870
68	HK$15,317	HK$15,317
69	HK$15,911	HK$15,911
70	HK$18,040	HK$18,040
71	HK$18,527	HK$18,527
72	HK$18,948	HK$18,948
73	HK$19,528	HK$19,528
74	HK$20,034	HK$20,034
75	HK$21,965	HK$21,965
76	HK$22,383	HK$22,383
77	HK$22,825	HK$22,825
78	HK$23,284	HK$23,284
79	HK$23,748	HK$23,748
80	HK$25,686	HK$25,686
81	HK$26,173	HK$26,173
82	HK$26,173	HK$26,173
83	HK$26,173	HK$26,173
84	HK$26,173	HK$26,173
85	HK$26,173	HK$26,173
86	HK$26,173	HK$26,173
87	HK$26,173	HK$26,173
88	HK$26,173	HK$26,173
89	HK$26,173	HK$26,173
90	HK$26,173	HK$26,173
91	HK$26,173	HK$26,173
92	HK$26,173	HK$26,173
93	HK$26,173	HK$26,173
94	HK$26,173	HK$26,173
95	HK$26,173	HK$26,173
96	HK$26,173	HK$26,173
97	HK$26,173	HK$26,173
98	HK$26,173	HK$26,173
99	HK$26,173	HK$26,173

Other deductible options in this series

6 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: May 1, 2025
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.