VFlexi Voluntary Health Insurance Plan - Plan 3

智適選自願醫療保險計劃 - 計劃三

Bolttech Insurance (Hong Kong) Company Limited

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Your premium

HK$4,121 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$530,000

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$530,000

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	$1,550 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$17,500 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,550 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$7,750 per Policy Year
(e) Intensive care (e) 深切治療	$6,200 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$6,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$15,000
Surgeon's fee — Major 外科醫生費 — 大型	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$90,000
(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	$120,000 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	$4,500 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	$1,500 per Policy Year within 72 hours of the Accident
Outpatient kidney dialysis 門診洗腎	$120,000 per Policy Year
Daily post-surgery home nursing benefit 家居看護	$600 per day, maximum 30 days per Policy Year
Hospital companion bed fee reimbursement 陪床費	$600 per day, maximum 30 days per Policy Year
Emergency dental benefit (Accident only) 意外牙科門診治療	$10,000 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	$400 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
$1,550 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$17,500 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,550 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$7,750 per Policy Year
(e) Intensive care
(e) 深切治療
$6,200 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$6,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$15,000
Surgeon's fee — Major
外科醫生費 — 大型
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$90,000
(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
$120,000 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
$4,500 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
$1,500 per Policy Year within 72 hours of the Accident
Outpatient kidney dialysis
門診洗腎
$120,000 per Policy Year
Daily post-surgery home nursing benefit
家居看護
$600 per day, maximum 30 days per Policy Year
Hospital companion bed fee reimbursement
陪床費
$600 per day, maximum 30 days per Policy Year
Emergency dental benefit (Accident only)
意外牙科門診治療
$10,000 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
$400 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$4,187	HK$4,187
1	HK$4,187	HK$4,187
2	HK$4,187	HK$4,187
3	HK$4,187	HK$4,187
4	HK$4,187	HK$4,187
5	HK$3,278	HK$3,278
6	HK$3,278	HK$3,278
7	HK$3,278	HK$3,278
8	HK$3,278	HK$3,278
9	HK$3,278	HK$3,278
10	HK$3,278	HK$3,278
11	HK$3,278	HK$3,278
12	HK$3,278	HK$3,278
13	HK$3,278	HK$3,278
14	HK$3,278	HK$3,278
15	HK$3,278	HK$3,278
16	HK$3,278	HK$3,278
17	HK$3,278	HK$3,278
18	HK$3,345	HK$3,515
19	HK$3,361	HK$3,539
20	HK$3,381	HK$3,561
21	HK$3,399	HK$3,585
22	HK$3,418	HK$3,606
23	HK$3,442	HK$3,639
24	HK$3,467	HK$3,715
25	HK$3,507	HK$3,971
26	HK$3,882	HK$4,435
27	HK$3,909	HK$4,466
28	HK$3,938	HK$4,498
29	HK$3,992	HK$4,556
30	HK$4,121	HK$4,731
31	HK$4,188	HK$4,821
32	HK$4,218	HK$4,910
33	HK$4,252	HK$4,962
34	HK$4,308	HK$5,037
35	HK$4,766	HK$5,833
36	HK$4,827	HK$5,898
37	HK$4,861	HK$5,934
38	HK$4,906	HK$5,987
39	HK$4,988	HK$6,084
40	HK$5,199	HK$6,363
41	HK$5,623	HK$6,850
42	HK$5,707	HK$6,942
43	HK$5,814	HK$7,096
44	HK$6,001	HK$7,368
45	HK$8,019	HK$9,043
46	HK$8,155	HK$9,188
47	HK$8,246	HK$9,288
48	HK$8,336	HK$9,388
49	HK$8,428	HK$9,490
50	HK$8,747	HK$9,864
51	HK$9,299	HK$10,486
52	HK$9,522	HK$10,727
53	HK$9,731	HK$10,951
54	HK$10,029	HK$11,271
55	HK$12,702	HK$13,280
56	HK$13,052	HK$13,641
57	HK$13,264	HK$13,861
58	HK$13,507	HK$14,111
59	HK$13,998	HK$14,613
60	HK$16,465	HK$16,465
61	HK$16,919	HK$16,919
62	HK$17,183	HK$17,183
63	HK$17,464	HK$17,464
64	HK$18,011	HK$18,011
65	HK$21,032	HK$21,032
66	HK$22,387	HK$22,387
67	HK$22,862	HK$22,862
68	HK$23,418	HK$23,418
69	HK$24,158	HK$24,158
70	HK$27,884	HK$27,884
71	HK$28,559	HK$28,559
72	HK$29,118	HK$29,118
73	HK$29,839	HK$29,839
74	HK$30,531	HK$30,531
75	HK$33,467	HK$33,467
76	HK$34,103	HK$34,103
77	HK$34,708	HK$34,708
78	HK$35,363	HK$35,363
79	HK$36,078	HK$36,078
80	HK$38,803	HK$38,803
81	HK$39,540	HK$39,540
82	HK$39,540	HK$39,540
83	HK$39,540	HK$39,540
84	HK$39,540	HK$39,540
85	HK$39,540	HK$39,540
86	HK$39,540	HK$39,540
87	HK$39,540	HK$39,540
88	HK$39,540	HK$39,540
89	HK$39,540	HK$39,540
90	HK$39,540	HK$39,540
91	HK$39,540	HK$39,540
92	HK$39,540	HK$39,540
93	HK$39,540	HK$39,540
94	HK$39,540	HK$39,540
95	HK$39,540	HK$39,540
96	HK$39,540	HK$39,540
97	HK$39,540	HK$39,540
98	HK$39,540	HK$39,540
99	HK$39,540	HK$39,540

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.