BOC SmartViva Flexi VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00057-02-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,859 |
| 45 | HK$16,801 |
| 60 | HK$33,395 |
| 75 | HK$67,062 |
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. p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible, subject to re-underwriting for the upgraded benefits. p.12 |
| Room class | Standard Private Room p.39 |
| If a higher room is used | If confined in a room above Standard Private Room, Standard Plan benefit limits apply. p.37 |
| Geographical cover | Worldwide excluding the United States (“U.S.”) p.39 |
| Psychiatric treatment area | Worldwide excluding U.S., but Hong Kong only if Standard Plan Terms and Benefits apply due to voluntary ward upgrade. p.16 |
| Emergency treatment abroad | Covered within Worldwide excluding U.S. territory. For U.S., Standard Plan benefit limits apply for basic benefits. p.36 |
| Full cover on core benefits | yes p.39 |
| Annual limit | 33000000 p.40 |
| Lifetime limit | none p.40 |
| Deductible options | 10000 p.39 |
| How the deductible applies | Per Policy Year. One-off right to reduce or remove deductible at ages 50, 55, 60, 65, 70, 75, 80, or 85. p.35 |
| Coinsurance | none p.39 |
| Pre-admission outpatient | 1 visit more than 30 days before, all visits within 30 days before, full cover. p.39 |
| Post-discharge outpatient | All visits within 90 days after discharge, full cover. p.39 |
| Psychiatric treatment | Full cover p.39 |
| Diagnostic imaging coinsurance | none p.39 |
| Non-surgical cancer treatment | Full cover p.39 |
| Kidney dialysis | Full cover p.39 |
| Day case procedures | Covered as in-patient for various benefits, full cover. p.39 |
| Home nursing | HKD 1,000 per day, maximum 90 days per Policy Year p.39 |
| Hospice care | HKD 132,000 per Policy Year p.40 |
| Chinese medicine | HKD 600 per visit, maximum 20 visits per Policy Year, after confinement or specific treatments p.40 |
| Physiotherapy | Covered during confinement and as post-discharge outpatient care, full cover. p.39 |
| Congenital conditions | Covered from age 8 p.19 |
| Pregnancy complications | HKD 200,000 per Policy Year, after 12-month waiting period p.40 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. p.18 |
| Companion bed | Full cover p.39 |
| Direct billing and pre-authorisation | Pre-approval available for rehabilitation and organ transplant surgery. p.26 |
| Exclusions beyond the VHIS standard list | Expenses for venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances for home use; Traditional Chinese medicine treatment (except specific post-confinement consultation/acupuncture); Hair Mineral Analysis (HMA); Screening or surveillance procedures based on health history of Insured Person and/or family members. p.17 |
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$16,801 to HK$16,801.
| 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 |
|---|---|---|---|
| HKD10,000 Deductible | Private | HK$10,000 | HKD 33,000,000 per Policy Year |
| HKD10,000 Deductible | Private | HK$10,000 | HKD 33,000,000 per Policy Year |
| HKD10,000 Deductible | Private | HK$10,000 | 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.