BOC Flexi Voluntary Health Insurance Scheme Certified Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00028-01-005-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,872 |
| 45 | HK$12,468 |
| 60 | HK$22,683 |
| 75 | HK$42,110 |
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 within 21-day cooling-off period if no benefit paid; after cooling-off, cancellation with 30 days notice if no benefit paid in policy year p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion) 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 the limit p.33 |
| Geographical cover | worldwide (with exceptions for psychiatric treatment, medical appliances, home nursing, and supplementary major medical benefit) p.15 |
| Psychiatric treatment area | Mainland China, Hong Kong and Macau only p.18 |
| Emergency treatment abroad | Covered worldwide for Accident or Emergency under supplementary major medical benefit p.36 |
| Full cover on core benefits | no p.35 |
| Annual limit | Nil for age 75 or below; HKD 450,000 for age 76 or above (for Part I - Part II benefits) p.36 |
| Lifetime limit | none p.15 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary major medical benefit p.35 |
| Pre-admission outpatient | 1 visit or emergency consultation per confinement/day case procedure, HKD 650 per visit, up to HKD 4,000 per policy year p.35 |
| Post-discharge outpatient | 3 follow-up visits within 90 days after discharge/day case procedure, 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.36 |
| Day case procedures | Covered as in-patient, with pre- and post-procedure outpatient care p.16 |
| Home nursing | HKD 500 per day, maximum 180 days per policy year, in Mainland China, Hong Kong or Macau p.36 |
| Hospice care | none p.24 |
| Chinese medicine | none p.21 |
| Physiotherapy | Covered during confinement and for follow-up outpatient visits after discharge/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 from policy effective date p.36 |
| 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.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; traditional Chinese medicine and other alternative treatments 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$12,468 to HK$12,468.
| 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.