BOC Flexi Voluntary Health Insurance Scheme Certified Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00028-01-006-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,507 |
| 45 | HK$14,127 |
| 60 | HK$25,138 |
| 75 | HK$46,805 |
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 during 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no benefit payment in policy year. Pro-rata refund if terminated due to death or company ceasing authorization. p.4 |
| Switching from another plan | Switching to another plan is possible; re-underwriting may apply for upgrades, discretion for downgrades. p.13 |
| Room class | not restricted p.16 |
| If a higher room is used | Benefit for room and board is capped at HKD 1,450 per day. For supplementary major medical benefit, an adjustment factor applies if average daily room and board charges exceed the benefit limit. p.35 |
| Geographical cover | worldwide excluding psychiatric treatment, medical appliances (specific items), post-hospitalisation home nursing fee, supplementary major medical benefit, upgraded medical appliances, and upgraded Prescribed Non-surgical Cancer Treatments p.15 |
| Psychiatric treatment area | Mainland China, Hong Kong and Macau only p.18 |
| Emergency treatment abroad | Covered worldwide for most benefits; for supplementary major medical benefit, covered for Accident or Emergency outside Mainland China, Hong Kong or Macau. p.15 |
| 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.16 |
| How the deductible applies | per Policy Year p.23 |
| Coinsurance | none (specific coinsurance applies to Prescribed Diagnostic Imaging Tests and Supplementary major medical benefit) p.35 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure, capped at 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, capped at 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 equivalent, with individual benefit limits applying to relevant services. p.16 |
| Home nursing | HKD 500 per day, maximum 180 days per Policy Year (Mainland China, Hong Kong or Macau only) p.35 |
| Hospice care | none p.24 |
| Chinese medicine | none p.21 |
| Physiotherapy | Covered during Confinement or as follow-up outpatient care post-discharge (within 90 days), subject to limits of relevant benefit items. p.17 |
| Congenital conditions | Covered from age 8 p.21 |
| Pregnancy complications | HKD 50,000 per Policy Year, after 1 year from Policy Effective Date p.35 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up treatment after discharge is not covered. 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 | Disability from drug/alcohol dependence, venereal/sexually transmitted disease; Screening for asymptomatic conditions, HMA, immunisation, health supplements; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment 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$14,127 to HK$14,127.
| 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.