VFlexi Voluntary Health Insurance Plan - Plan 6

智適選自願醫療保險計劃 - 計劃六

Bolttech Insurance (Hong Kong) Company Limited

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Your premium

HK$10,469 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$870,000

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$870,000

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$10,809	HK$10,809
1	HK$10,809	HK$10,809
2	HK$10,809	HK$10,809
3	HK$10,809	HK$10,809
4	HK$10,809	HK$10,809
5	HK$8,390	HK$8,390
6	HK$8,390	HK$8,390
7	HK$8,390	HK$8,390
8	HK$8,390	HK$8,390
9	HK$8,390	HK$8,390
10	HK$8,390	HK$8,390
11	HK$8,390	HK$8,390
12	HK$8,390	HK$8,390
13	HK$8,390	HK$8,390
14	HK$8,390	HK$8,390
15	HK$8,390	HK$8,390
16	HK$8,390	HK$8,390
17	HK$8,390	HK$8,390
18	HK$8,589	HK$9,324
19	HK$8,613	HK$9,434
20	HK$8,639	HK$9,452
21	HK$8,665	HK$9,470
22	HK$8,692	HK$9,514
23	HK$8,732	HK$9,552
24	HK$8,773	HK$9,646
25	HK$8,896	HK$10,463
26	HK$9,775	HK$11,584
27	HK$9,841	HK$11,655
28	HK$9,895	HK$11,723
29	HK$10,001	HK$11,838
30	HK$10,469	HK$12,429
31	HK$10,626	HK$12,646
32	HK$10,686	HK$12,809
33	HK$10,748	HK$12,959
34	HK$11,000	HK$13,302
35	HK$12,179	HK$15,452
36	HK$12,406	HK$15,699
37	HK$12,491	HK$15,812
38	HK$12,637	HK$15,976
39	HK$12,980	HK$16,445
40	HK$13,488	HK$17,097
41	HK$14,311	HK$18,066
42	HK$14,676	HK$18,588
43	HK$15,184	HK$19,132
44	HK$15,737	HK$19,674
45	HK$20,826	HK$23,590
46	HK$21,243	HK$24,032
47	HK$21,515	HK$24,332
48	HK$21,800	HK$24,649
49	HK$22,101	HK$25,059
50	HK$22,853	HK$25,869
51	HK$24,754	HK$27,990
52	HK$25,553	HK$28,868
53	HK$26,463	HK$29,684
54	HK$27,503	HK$30,632
55	HK$33,107	HK$34,680
56	HK$34,321	HK$35,943
57	HK$35,124	HK$36,778
58	HK$35,987	HK$37,678
59	HK$37,214	HK$38,969
60	HK$43,077	HK$43,238
61	HK$44,960	HK$44,960
62	HK$45,859	HK$45,859
63	HK$46,663	HK$46,663
64	HK$48,423	HK$48,423
65	HK$55,030	HK$55,030
66	HK$60,234	HK$60,234
67	HK$62,052	HK$62,052
68	HK$63,634	HK$63,634
69	HK$66,436	HK$66,436
70	HK$73,960	HK$73,960
71	HK$76,133	HK$76,133
72	HK$78,040	HK$78,040
73	HK$79,733	HK$79,733
74	HK$82,534	HK$82,534
75	HK$89,153	HK$89,153
76	HK$90,622	HK$90,622
77	HK$91,818	HK$91,818
78	HK$94,317	HK$94,317
79	HK$96,568	HK$96,568
80	HK$103,096	HK$103,096
81	HK$104,623	HK$104,623
82	HK$104,865	HK$104,865
83	HK$105,107	HK$105,107
84	HK$105,591	HK$105,591
85	HK$106,075	HK$106,075
86	HK$106,801	HK$106,801
87	HK$107,285	HK$107,285
88	HK$108,011	HK$108,011
89	HK$108,979	HK$108,979
90	HK$109,946	HK$109,946
91	HK$110,914	HK$110,914
92	HK$112,124	HK$112,124
93	HK$113,092	HK$113,092
94	HK$114,544	HK$114,544
95	HK$115,996	HK$115,996
96	HK$117,690	HK$117,690
97	HK$119,384	HK$119,384
98	HK$121,562	HK$121,562
99	HK$124,224	HK$124,224

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

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Current page

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.