VFlexi Voluntary Health Insurance Plan - Plan 4

智適選自願醫療保險計劃 - 計劃四

Bolttech Insurance (Hong Kong) Company Limited

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Your premium

HK$5,859 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$650,000

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$650,000

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$6,054	HK$6,054
1	HK$6,054	HK$6,054
2	HK$6,054	HK$6,054
3	HK$6,054	HK$6,054
4	HK$6,054	HK$6,054
5	HK$4,710	HK$4,710
6	HK$4,710	HK$4,710
7	HK$4,710	HK$4,710
8	HK$4,710	HK$4,710
9	HK$4,710	HK$4,710
10	HK$4,710	HK$4,710
11	HK$4,710	HK$4,710
12	HK$4,710	HK$4,710
13	HK$4,710	HK$4,710
14	HK$4,710	HK$4,710
15	HK$4,710	HK$4,710
16	HK$4,710	HK$4,710
17	HK$4,710	HK$4,710
18	HK$4,815	HK$5,058
19	HK$4,831	HK$5,082
20	HK$4,851	HK$5,104
21	HK$4,869	HK$5,128
22	HK$4,888	HK$5,149
23	HK$4,912	HK$5,182
24	HK$4,937	HK$5,258
25	HK$4,988	HK$5,663
26	HK$5,484	HK$6,266
27	HK$5,519	HK$6,305
28	HK$5,554	HK$6,345
29	HK$5,625	HK$6,422
30	HK$5,859	HK$6,713
31	HK$5,951	HK$6,832
32	HK$5,988	HK$6,928
33	HK$6,030	HK$6,992
34	HK$6,128	HK$7,162
35	HK$6,775	HK$8,233
36	HK$6,865	HK$8,392
37	HK$6,908	HK$8,441
38	HK$6,991	HK$8,538
39	HK$7,195	HK$8,801
40	HK$7,426	HK$9,098
41	HK$7,860	HK$9,569
42	HK$8,043	HK$9,808
43	HK$8,230	HK$10,093
44	HK$8,556	HK$10,498
45	HK$11,047	HK$12,513
46	HK$11,311	HK$12,731
47	HK$11,432	HK$12,866
48	HK$11,581	HK$13,032
49	HK$11,732	HK$13,201
50	HK$12,147	HK$13,680
51	HK$13,009	HK$14,651
52	HK$13,429	HK$15,119
53	HK$13,772	HK$15,490
54	HK$14,196	HK$15,948
55	HK$17,440	HK$18,230
56	HK$18,170	HK$18,982
57	HK$18,565	HK$19,395
58	HK$19,039	HK$19,888
59	HK$19,782	HK$20,651
60	HK$22,704	HK$22,723
61	HK$23,656	HK$23,656
62	HK$24,201	HK$24,201
63	HK$24,600	HK$24,600
64	HK$25,428	HK$25,428
65	HK$28,846	HK$28,846
66	HK$31,648	HK$31,648
67	HK$32,591	HK$32,591
68	HK$33,400	HK$33,400
69	HK$34,388	HK$34,388
70	HK$38,876	HK$38,876
71	HK$40,151	HK$40,151
72	HK$41,136	HK$41,136
73	HK$42,177	HK$42,177
74	HK$43,297	HK$43,297
75	HK$46,360	HK$46,360
76	HK$47,124	HK$47,124
77	HK$47,806	HK$47,806
78	HK$48,512	HK$48,512
79	HK$49,252	HK$49,252
80	HK$52,054	HK$52,054
81	HK$52,816	HK$52,816
82	HK$52,944	HK$52,944
83	HK$53,072	HK$53,072
84	HK$53,327	HK$53,327
85	HK$53,582	HK$53,582
86	HK$53,965	HK$53,965
87	HK$54,221	HK$54,221
88	HK$54,603	HK$54,603
89	HK$55,114	HK$55,114
90	HK$55,625	HK$55,625
91	HK$56,135	HK$56,135
92	HK$56,774	HK$56,774
93	HK$57,284	HK$57,284
94	HK$58,050	HK$58,050
95	HK$58,816	HK$58,816
96	HK$59,710	HK$59,710
97	HK$60,603	HK$60,603
98	HK$61,752	HK$61,752
99	HK$63,157	HK$63,157

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.