VFlexi Voluntary Health Insurance Plan - Plan 2

智適選自願醫療保險計劃 - 計劃二

Bolttech Insurance (Hong Kong) Company Limited

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Your premium

HK$3,952 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$510,000

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$510,000

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$4,500	HK$4,500
1	HK$4,500	HK$4,500
2	HK$4,500	HK$4,500
3	HK$4,500	HK$4,500
4	HK$4,500	HK$4,500
5	HK$3,188	HK$3,188
6	HK$3,188	HK$3,188
7	HK$3,188	HK$3,188
8	HK$3,188	HK$3,188
9	HK$3,188	HK$3,188
10	HK$3,188	HK$3,188
11	HK$3,188	HK$3,188
12	HK$3,188	HK$3,188
13	HK$3,188	HK$3,188
14	HK$3,188	HK$3,188
15	HK$3,188	HK$3,188
16	HK$3,188	HK$3,188
17	HK$3,188	HK$3,188
18	HK$3,288	HK$3,387
19	HK$3,302	HK$3,445
20	HK$3,313	HK$3,451
21	HK$3,324	HK$3,458
22	HK$3,333	HK$3,465
23	HK$3,346	HK$3,477
24	HK$3,360	HK$3,494
25	HK$3,393	HK$3,804
26	HK$3,720	HK$4,186
27	HK$3,740	HK$4,213
28	HK$3,764	HK$4,239
29	HK$3,812	HK$4,302
30	HK$3,952	HK$4,478
31	HK$4,005	HK$4,568
32	HK$4,052	HK$4,658
33	HK$4,083	HK$4,707
34	HK$4,141	HK$4,779
35	HK$4,486	HK$5,409
36	HK$4,561	HK$5,509
37	HK$4,614	HK$5,565
38	HK$4,671	HK$5,641
39	HK$4,740	HK$5,787
40	HK$4,919	HK$5,963
41	HK$5,275	HK$6,361
42	HK$5,431	HK$6,517
43	HK$5,551	HK$6,656
44	HK$5,640	HK$6,845
45	HK$7,237	HK$8,172
46	HK$7,463	HK$8,346
47	HK$7,548	HK$8,443
48	HK$7,651	HK$8,555
49	HK$7,754	HK$8,668
50	HK$7,991	HK$8,947
51	HK$8,589	HK$9,644
52	HK$8,850	HK$9,916
53	HK$9,084	HK$10,228
54	HK$9,406	HK$10,513
55	HK$11,342	HK$11,828
56	HK$11,889	HK$12,389
57	HK$12,157	HK$12,670
58	HK$12,487	HK$13,010
59	HK$13,063	HK$13,599
60	HK$14,733	HK$14,733
61	HK$15,461	HK$15,461
62	HK$15,758	HK$15,758
63	HK$16,036	HK$16,036
64	HK$16,512	HK$16,512
65	HK$18,659	HK$18,659
66	HK$20,577	HK$20,577
67	HK$21,224	HK$21,224
68	HK$21,877	HK$21,877
69	HK$22,676	HK$22,676
70	HK$25,252	HK$25,252
71	HK$26,084	HK$26,084
72	HK$26,782	HK$26,782
73	HK$27,567	HK$27,567
74	HK$28,351	HK$28,351
75	HK$30,365	HK$30,365
76	HK$30,866	HK$30,866
77	HK$31,358	HK$31,358
78	HK$31,850	HK$31,850
79	HK$32,331	HK$32,331
80	HK$34,319	HK$34,319
81	HK$34,823	HK$34,823
82	HK$34,906	HK$34,906
83	HK$34,989	HK$34,989
84	HK$35,155	HK$35,155
85	HK$35,322	HK$35,322
86	HK$35,571	HK$35,571
87	HK$35,737	HK$35,737
88	HK$35,987	HK$35,987
89	HK$36,320	HK$36,320
90	HK$36,652	HK$36,652
91	HK$36,985	HK$36,985
92	HK$37,401	HK$37,401
93	HK$37,733	HK$37,733
94	HK$38,233	HK$38,233
95	HK$38,732	HK$38,732
96	HK$39,314	HK$39,314
97	HK$39,896	HK$39,896
98	HK$40,644	HK$40,644
99	HK$41,559	HK$41,559

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.