BOC Flexi Voluntary Health Insurance Scheme Certified Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00028-01-003-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,022 |
| 45 | HK$12,945 |
| 60 | HK$21,907 |
| 75 | HK$41,187 |
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.32 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made p.4 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is subject to re-underwriting for those benefits; switching to downgraded/reduced benefits is at company's discretion without re-underwriting p.13 |
| Room class | not restricted p.16 |
| If a higher room is used | An adjustment factor is applied to supplementary major medical benefit if average daily room and board charges exceed the limit, calculated as (Benefit limit per day for room & board) / (Average daily room and board charges incurred during Confinement). p.32 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Mainland China, Hong Kong and Macau only p.19 |
| Emergency treatment abroad | Covered worldwide p.15 |
| Full cover on core benefits | no p.35 |
| Annual limit | Nil for ages below 76; HKD 450,000 for ages 76 or above p.36 |
| Lifetime limit | none p.15 |
| How the deductible applies | per Policy Year p.23 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD 4,000 per Policy Year p.35 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/Day Case Procedure, 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 for relevant benefits p.16 |
| Home nursing | HKD 500 per day, maximum 180 days per Policy Year, for 60 days post-surgical discharge in Mainland China, Hong Kong or Macau p.32 |
| Hospice care | none p.24 |
| Chinese medicine | none p.21 |
| Physiotherapy | Covered during Confinement and for follow-up outpatient visits post-Confinement/Day Case Procedure p.17 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.21 |
| Pregnancy complications | HKD 50,000 per Policy Year, after 1 year waiting period p.35 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.21 |
| Hospital cash | none |
| Companion bed | HKD 800 per day, maximum 180 days per Policy Year p.30 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available p.15 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Drug/alcohol dependence, venereal/sexually transmitted disease; Hair Mineral Analysis (HMA), health supplements; Birth control, sterilisation, sex reassignment, sexual dysfunction; Purchase of durable medical equipment for home use. 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$12,945 to HK$12,945.
| 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.