BOC Flexi Voluntary Health Insurance Scheme Certified Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00028-01-004-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,970 |
| 45 | HK$10,615 |
| 60 | HK$19,665 |
| 75 | HK$36,433 |
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 | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off period if benefits paid, otherwise pro-rata refund if terminated by Company p.4 |
| Switching from another plan | Possible to switch to another plan, but re-underwriting applies for upgraded or additional benefits p.13 |
| Room class | not restricted p.16 |
| If a higher room is used | Adjustment factor applied to supplementary major medical benefit if average daily room and board charges exceed benefit limit per day for room and board p.32 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Mainland China, Hong Kong and Macau p.18 |
| Emergency treatment abroad | covered worldwide p.15 |
| Full cover on core benefits | no p.35 |
| Annual limit | Unlimited for age 75 or below; $450,000 for age 76 or above (for basic and additional benefits) p.35 |
| Lifetime limit | none p.15 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary Major Medical Benefit p.35 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, $650 per visit, up to $4,000 per Policy Year p.35 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/Day Case Procedure, $650 per visit, up to $4,000 per Policy Year p.35 |
| General outpatient | none |
| Psychiatric treatment | $40,000 per Policy Year p.35 |
| Diagnostic imaging coinsurance | 30% p.35 |
| Non-surgical cancer treatment | $100,000 per Policy Year p.35 |
| Kidney dialysis | $100,000 per Policy Year p.35 |
| Day case procedures | covered as in-patient, limits apply per benefit item p.16 |
| Home nursing | $500 per day, maximum 180 days per Policy Year p.35 |
| Hospice care | none p.24 |
| Chinese medicine | none p.21 |
| Physiotherapy | Covered during Confinement under miscellaneous charges; covered for 3 follow-up visits post-discharge under outpatient care ($650 per visit, up to $4,000 per Policy Year) p.17 |
| Congenital conditions | Covered from age 8 p.21 |
| Pregnancy complications | $50,000 per Policy Year, after one year from Policy Effective Date p.35 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.21 |
| Hospital cash | none |
| Companion bed | $800 per day, maximum 180 days per Policy Year p.35 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Other forms of alternative treatment including hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy 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$10,615 to HK$10,615.
| 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.