VChoice Voluntary Health Insurance Plan

智適簡自願醫療保險計劃

Bolttech Insurance (Hong Kong) Company Limited

VChoice Voluntary Health Insurance Plan is a VHIS Standard plan offered by Bolttech Insurance (Hong Kong) Company Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Jun 23, 2023.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$1,993 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 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	$50,000
(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	$80,000 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	$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure 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

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 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
$50,000
(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
$80,000 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
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure 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

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$2,996	HK$2,177
1	HK$2,996	HK$2,177
2	HK$2,996	HK$2,177
3	HK$2,996	HK$2,177
4	HK$1,363	HK$1,525
5	HK$1,363	HK$1,525
6	HK$1,363	HK$1,525
7	HK$1,363	HK$1,525
8	HK$1,363	HK$1,525
9	HK$1,363	HK$1,525
10	HK$1,363	HK$1,525
11	HK$1,363	HK$1,525
12	HK$1,363	HK$1,525
13	HK$1,363	HK$1,525
14	HK$1,363	HK$1,525
15	HK$1,400	HK$1,613
16	HK$1,471	HK$1,696
17	HK$1,484	HK$1,760
18	HK$1,492	HK$1,821
19	HK$1,501	HK$1,875
20	HK$1,566	HK$1,921
21	HK$1,574	HK$1,956
22	HK$1,606	HK$1,995
23	HK$1,638	HK$2,060
24	HK$1,693	HK$2,121
25	HK$1,738	HK$2,234
26	HK$1,782	HK$2,284
27	HK$1,842	HK$2,338
28	HK$1,886	HK$2,393
29	HK$1,949	HK$2,450
30	HK$1,993	HK$2,576
31	HK$2,041	HK$2,639
32	HK$2,087	HK$2,709
33	HK$2,150	HK$2,778
34	HK$2,230	HK$2,856
35	HK$2,289	HK$3,012
36	HK$2,326	HK$3,090
37	HK$2,400	HK$3,172
38	HK$2,471	HK$3,255
39	HK$2,540	HK$3,343
40	HK$2,643	HK$3,517
41	HK$2,707	HK$3,628
42	HK$2,829	HK$3,764
43	HK$2,966	HK$3,909
44	HK$3,120	HK$4,060
45	HK$3,274	HK$4,203
46	HK$3,428	HK$4,351
47	HK$3,578	HK$4,501
48	HK$3,755	HK$4,648
49	HK$3,899	HK$4,804
50	HK$4,104	HK$4,941
51	HK$4,320	HK$5,085
52	HK$4,544	HK$5,235
53	HK$4,781	HK$5,393
54	HK$5,028	HK$5,561
55	HK$5,321	HK$5,766
56	HK$5,557	HK$5,989
57	HK$5,848	HK$6,211
58	HK$6,142	HK$6,451
59	HK$6,440	HK$6,735
60	HK$6,736	HK$7,068
61	HK$7,108	HK$7,417
62	HK$7,491	HK$7,765
63	HK$7,883	HK$8,117
64	HK$8,374	HK$8,457
65	HK$8,833	HK$8,803
66	HK$9,322	HK$9,171
67	HK$9,841	HK$9,563
68	HK$10,385	HK$9,975
69	HK$10,953	HK$10,405
70	HK$11,532	HK$10,839
71	HK$12,115	HK$11,271
72	HK$12,702	HK$11,696
73	HK$13,168	HK$12,108
74	HK$13,568	HK$12,507
75	HK$13,894	HK$12,839
76	HK$14,263	HK$13,161
77	HK$14,561	HK$13,483
78	HK$14,815	HK$13,800
79	HK$15,180	HK$14,121
80	HK$15,744	HK$14,638
81	HK$16,054	HK$14,886
82	HK$16,357	HK$15,123
83	HK$16,676	HK$15,372
84	HK$16,995	HK$15,641
85	HK$17,295	HK$15,913
86	HK$17,592	HK$16,186
87	HK$17,866	HK$16,428
88	HK$18,164	HK$16,688
89	HK$18,457	HK$16,943
90	HK$18,753	HK$17,199
91	HK$19,051	HK$17,459
92	HK$19,360	HK$17,726
93	HK$19,665	HK$17,991
94	HK$19,983	HK$18,267
95	HK$20,302	HK$18,543
96	HK$20,604	HK$18,804
97	HK$20,924	HK$19,081
98	HK$21,249	HK$19,362
99	HK$21,396	HK$19,499

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jun 23, 2023
Last verified: 2026-04-17