BOC SmartViva Flexi VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00057-01-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$13,888 |
| 45 | HK$20,833 |
| 60 | HK$45,265 |
| 75 | HK$90,651 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$33,000,000 |
| Lifetime limit | None |
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 | lifetime p.11 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.18 |
| Waiting period | 12 months for pregnancy complications p.26 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, 30 days written notice required, no refund if benefits paid in Policy Year. p.4 |
| Switching from another plan | Switching to another plan with upgrade/addition of benefits is subject to re-underwriting for those benefits. Switching to downgrade/reduction of benefits is at company's discretion without re-underwriting. p.12 |
| Room class | Standard Private Room p.39 |
| If a higher room is used | If a higher room class than Standard Private Room is used, the benefit limits of the Standard Plan Terms and Benefits shall apply. p.37 |
| Geographical cover | Worldwide excluding the U.S. p.39 |
| Psychiatric treatment area | Worldwide excluding the U.S. p.16 |
| Emergency treatment abroad | Covered within Worldwide excluding the U.S. territory p.26 |
| Full cover on core benefits | yes p.39 |
| Annual limit | 33000000 p.40 |
| Lifetime limit | none p.40 |
| Deductible options | 0 p.39 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, 80, or 85. p.35 |
| Coinsurance | none p.39 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit more than 30 days before admission, and all prior outpatient visits within 30 days before admission. p.39 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge. p.39 |
| General outpatient | none |
| Psychiatric treatment | Full cover up to the Annual Benefit Limit p.39 |
| Diagnostic imaging coinsurance | none p.39 |
| Non-surgical cancer treatment | Full cover up to the Annual Benefit Limit p.39 |
| Kidney dialysis | Full cover up to the Annual Benefit Limit p.39 |
| Day case procedures | Covered as in-patient for relevant benefits, up to Annual Benefit Limit p.15 |
| Home nursing | HKD 1,000 per day, maximum 90 days per Policy Year, for nursing care at home within 180 days after discharge. p.39 |
| Hospice care | HKD 132,000 per Policy Year for institutional palliative care. p.40 |
| Chinese medicine | HKD 600 per visit, maximum 20 visits per Policy Year, for consultation, acupuncture, and prescribed Chinese medicines after Confinement or specific treatments. p.40 |
| Physiotherapy | Covered as part of post-discharge outpatient care, full cover for all follow-up visits within 90 days after discharge. p.16 |
| Congenital conditions | Covered from age 8 p.19 |
| Pregnancy complications | HKD 200,000 per Policy Year, for complications from conception after 12 months from Policy Effective Date. p.40 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident, up to Annual Benefit Limit. p.18 |
| Hospital cash | none |
| Companion bed | Full cover for one companion bed during Confinement, excluding meals. p.39 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorization for claimable amount estimate is available. p.14 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.18 |
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$20,833 to HK$20,833.
| 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.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| HKD0 Deductible | Private | None | HKD 33,000,000 per Policy Year |
| HKD0 Deductible | Private | None | HKD 33,000,000 per Policy Year |
| HKD0 Deductible | Private | None | HKD 33,000,000 per Policy Year |
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.