BOC Flexi Voluntary Health Insurance Scheme Certified Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00028-01-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,265 |
| 45 | HK$6,905 |
| 60 | HK$11,532 |
| 75 | HK$22,580 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$450,000 |
| Lifetime limit | None |
| Room and board | HK$1,450 |
| Hospital charges | HK$18,000 |
| Doctor's visits | HK$1,450 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$4,000 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$100,000 |
| Outpatient before and after | HK$4,000 |
| Psychiatric treatment | HK$40,000 |
Also includes outpatient general, maternity, home nursing, kidney dialysis.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.11 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.19 |
| Waiting period | 1 year for pregnancy complications p.31 |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, no refund if benefits paid in current Policy Year. Pro-rata refund for current Policy Year if terminated due to death of Insured Person or Company ceases authorization. p.4 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits may involve re-underwriting limited to those benefits. Switching to a plan with downgraded/reduced benefits does not involve re-underwriting but is subject to Company discretion. p.13 |
| Room class | not restricted p.16 |
| If a higher room is used | Adjustment factor applied if average daily room and board charges exceed benefit limit, calculated as (Benefit limit per day for room & board) / (Average daily room and board charges incurred during Confinement). Not applied for involuntary upgrade or ICU. p.32 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Mainland China, Hong Kong and Macau p.18 |
| Emergency treatment abroad | Covered for hospital and surgical treatment in case of Accident or Emergency outside Mainland China, Hong Kong or Macau. p.32 |
| Full cover on core benefits | no p.35 |
| Annual limit | Nil for 76 years old below; HKD 450,000 per Policy Year for 76 years old or above p.35 |
| Lifetime limit | none p.15 |
| How the deductible applies | per Policy Year p.23 |
| Coinsurance | none p.23 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure, up to HKD 650 per visit, up to HKD 4,000 per Policy Year p.35 |
| Post-discharge outpatient | 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge or completion of Day Case Procedure, up to HKD 650 per visit, up to HKD 4,000 per Policy Year p.35 |
| General outpatient | none |
| Psychiatric treatment | HKD 40,000 per Policy Year p.35 |
| Diagnostic imaging coinsurance | 30% p.35 |
| Non-surgical cancer treatment | HKD 100,000 per Policy Year p.35 |
| Kidney dialysis | HKD 100,000 per Policy Year p.35 |
| Day case procedures | Covered as in-patient, subject to limits for room and board and miscellaneous charges. p.16 |
| Home nursing | HKD 500 per day, maximum 180 days per Policy Year, for nursing services by a registered nurse at home in Mainland China, Hong Kong or Macau for 60 days post-discharge from a covered surgical procedure. p.31 |
| Hospice care | none p.24 |
| Chinese medicine | none p.21 |
| Physiotherapy | Covered during Confinement under miscellaneous charges; covered for 3 follow-up outpatient visits post-discharge (within 90 days) up to HKD 650 per visit, up to HKD 4,000 per Policy Year. p.17 |
| Congenital conditions | Covered from age 8 p.21 |
| Pregnancy complications | HKD 50,000 per Policy Year for specified complications during Confinement, after 1 year waiting period. p.31 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up treatment excluded. p.21 |
| Hospital cash | none |
| Companion bed | HKD 800 per day, maximum 180 days per Policy Year, for one extra bed for one person to accompany the Insured Person during Confinement. p.30 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.20 |
At a constant age of 45, BOC has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$6,905 to HK$6,905.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.