BOC Flexi Voluntary Health Insurance Scheme Certified Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00028-01-007-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,270 |
| 45 | HK$16,273 |
| 60 | HK$28,247 |
| 75 | HK$52,772 |
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 payment made; after cooling-off, cancellation with 30 days notice if no benefit payment made during Policy Year, refund not specified. p.4 |
| Switching from another plan | Switching to a plan with upgraded benefits may lead to re-underwriting; switching to a plan with downgraded benefits does not lead to re-underwriting but is subject to company discretion. p.13 |
| Room class | not restricted p.16 |
| If a higher room is used | Adjustment factor applies if average daily room and board charges exceed benefit limit, unless involuntary upgrade due to room shortage for Emergency Treatment or isolation reasons. p.33 |
| Geographical cover | worldwide, except for psychiatric treatment and specific additional/optional benefits p.15 |
| Psychiatric treatment area | Mainland China, Hong Kong and Macau p.19 |
| Emergency treatment abroad | covered worldwide p.15 |
| Full cover on core benefits | no p.35 |
| Annual limit | unlimited for ages 75 or below; HKD 450,000 for ages 76 or above (for Part I - Part II benefits) p.36 |
| Lifetime limit | none p.15 |
| Coinsurance | none (30% for Prescribed Diagnostic Imaging Tests; 20% for optional Supplementary Major Medical Benefit) p.35 |
| Pre-admission outpatient | 1 visit or Emergency consultation per Confinement/Day Case Procedure, up to HKD 650 per visit, capped at HKD 4,000 per Policy Year p.35 |
| Post-discharge outpatient | 3 follow-up visits per Confinement/Day Case Procedure within 90 days after discharge, up to HKD 650 per visit, capped at 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 benefit limits per item 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 following a covered surgical procedure during Confinement p.32 |
| Hospice care | none p.24 |
| Chinese medicine | none p.21 |
| Physiotherapy | covered during Confinement and for post-discharge outpatient care, subject to relevant benefit limits 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 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 | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances 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$16,273 to HK$16,273.
| 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.