VFlexi Voluntary Health Insurance Plan - Plan 5

智適選自願醫療保險計劃 - 計劃五

Bolttech Insurance (Hong Kong) Company Limited

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Your premium

HK$7,377 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$670,000

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$670,000

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	$2,880 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$25,750 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,880 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$11,300 per Policy Year
(e) Intensive care (e) 深切治療	$8,240 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$8,700
Surgeon's fee — Intermediate 外科醫生費 — 中型	$21,750
Surgeon's fee — Major 外科醫生費 — 大型	$43,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$130,500
(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	$150,000 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	$6,000 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	$3,000 per Policy Year within 72 hours of the Accident
Outpatient kidney dialysis 門診洗腎	$150,000 per Policy Year
Daily post-surgery home nursing benefit 家居看護	$700 per day, maximum 30 days per Policy Year
Hospital companion bed fee reimbursement 陪床費	$700 per day, maximum 30 days per Policy Year
Emergency dental benefit (Accident only) 意外牙科門診治療	$20,000 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	$500 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
$2,880 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$25,750 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,880 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$11,300 per Policy Year
(e) Intensive care
(e) 深切治療
$8,240 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$8,700
Surgeon's fee — Intermediate
外科醫生費 — 中型
$21,750
Surgeon's fee — Major
外科醫生費 — 大型
$43,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$130,500
(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
$150,000 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
$6,000 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
$3,000 per Policy Year within 72 hours of the Accident
Outpatient kidney dialysis
門診洗腎
$150,000 per Policy Year
Daily post-surgery home nursing benefit
家居看護
$700 per day, maximum 30 days per Policy Year
Hospital companion bed fee reimbursement
陪床費
$700 per day, maximum 30 days per Policy Year
Emergency dental benefit (Accident only)
意外牙科門診治療
$20,000 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
$500 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$7,474	HK$7,474
1	HK$7,474	HK$7,474
2	HK$7,474	HK$7,474
3	HK$7,474	HK$7,474
4	HK$7,474	HK$7,474
5	HK$5,841	HK$5,841
6	HK$5,841	HK$5,841
7	HK$5,841	HK$5,841
8	HK$5,841	HK$5,841
9	HK$5,841	HK$5,841
10	HK$5,841	HK$5,841
11	HK$5,841	HK$5,841
12	HK$5,841	HK$5,841
13	HK$5,841	HK$5,841
14	HK$5,841	HK$5,841
15	HK$5,841	HK$5,841
16	HK$5,841	HK$5,841
17	HK$5,841	HK$5,841
18	HK$5,970	HK$6,485
19	HK$5,994	HK$6,595
20	HK$6,020	HK$6,613
21	HK$6,046	HK$6,631
22	HK$6,073	HK$6,675
23	HK$6,113	HK$6,713
24	HK$6,154	HK$6,807
25	HK$6,248	HK$7,332
26	HK$6,911	HK$8,194
27	HK$6,961	HK$8,250
28	HK$7,004	HK$8,303
29	HK$7,081	HK$8,385
30	HK$7,377	HK$8,772
31	HK$7,490	HK$8,917
32	HK$7,533	HK$9,022
33	HK$7,582	HK$9,136
34	HK$7,761	HK$9,309
35	HK$8,669	HK$10,997
36	HK$8,745	HK$11,080
37	HK$8,792	HK$11,151
38	HK$8,864	HK$11,231
39	HK$9,000	HK$11,394
40	HK$9,457	HK$11,996
41	HK$10,265	HK$12,945
42	HK$10,432	HK$13,229
43	HK$10,753	HK$13,556
44	HK$11,070	HK$13,902
45	HK$15,141	HK$17,149
46	HK$15,345	HK$17,372
47	HK$15,562	HK$17,609
48	HK$15,736	HK$17,801
49	HK$15,924	HK$18,083
50	HK$16,515	HK$18,708
51	HK$17,857	HK$20,189
52	HK$18,258	HK$20,622
53	HK$18,817	HK$21,055
54	HK$19,611	HK$21,739
55	HK$24,136	HK$25,283
56	HK$24,702	HK$25,872
57	HK$25,154	HK$26,340
58	HK$25,576	HK$26,778
59	HK$26,345	HK$27,569
60	HK$31,406	HK$31,406
61	HK$32,143	HK$32,143
62	HK$32,620	HK$32,620
63	HK$33,114	HK$33,114
64	HK$34,412	HK$34,412
65	HK$40,118	HK$40,118
66	HK$42,646	HK$42,646
67	HK$43,647	HK$43,647
68	HK$44,730	HK$44,730
69	HK$46,987	HK$46,987
70	HK$53,195	HK$53,195
71	HK$54,349	HK$54,349
72	HK$55,268	HK$55,268
73	HK$56,349	HK$56,349
74	HK$58,335	HK$58,335
75	HK$64,712	HK$64,712
76	HK$65,939	HK$65,939
77	HK$66,990	HK$66,990
78	HK$69,392	HK$69,392
79	HK$71,595	HK$71,595
80	HK$77,978	HK$77,978
81	HK$79,456	HK$79,456
82	HK$79,456	HK$79,456
83	HK$79,456	HK$79,456
84	HK$79,456	HK$79,456
85	HK$79,456	HK$79,456
86	HK$79,456	HK$79,456
87	HK$79,456	HK$79,456
88	HK$79,456	HK$79,456
89	HK$79,456	HK$79,456
90	HK$79,456	HK$79,456
91	HK$79,456	HK$79,456
92	HK$79,456	HK$79,456
93	HK$79,456	HK$79,456
94	HK$79,456	HK$79,456
95	HK$79,456	HK$79,456
96	HK$79,456	HK$79,456
97	HK$79,456	HK$79,456
98	HK$79,456	HK$79,456
99	HK$79,456	HK$79,456

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.