BOC SmartViva Flexi VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00057-04-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,217 |
| 45 | HK$9,685 |
| 60 | HK$21,997 |
| 75 | HK$45,924 |
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 | 1 year for compassionate death benefit; 12 months for pregnancy complications p.26 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off if benefits paid; pro-rata refund for death or company ceasing authorization p.4 |
| Switching from another plan | Switching to a plan with upgrade/addition of benefits is subject to re-underwriting limited to new benefits; switching to a plan with 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 | Benefit limits of the Standard Plan Terms and Benefits shall apply p.37 |
| Geographical cover | Worldwide excluding U.S. p.39 |
| Psychiatric treatment area | Worldwide excluding U.S.; Hong Kong only if Standard Plan Terms and Benefits apply p.16 |
| Emergency treatment abroad | Full cover, worldwide excluding U.S. p.26 |
| Full cover on core benefits | yes p.39 |
| Annual limit | 33,000,000 p.40 |
| Lifetime limit | none p.15 |
| Deductible options | 70000 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.18 |
| 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, subject to Annual Benefit Limit p.39 |
| Diagnostic imaging coinsurance | none p.39 |
| Non-surgical cancer treatment | Full cover, subject to Annual Benefit Limit p.39 |
| Kidney dialysis | Full cover, subject to Annual Benefit Limit p.39 |
| Day case procedures | Covered as in-patient for various benefits, subject to Annual Benefit Limit p.39 |
| Home nursing | HKD 1,000 per day, maximum 90 days per Policy Year, for nursing care at residential home within 180 days after discharge p.26 |
| Hospice care | HKD 132,000 per Policy Year for institutional palliative care p.27 |
| 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.27 |
| Physiotherapy | Full cover during Confinement and for follow-up outpatient visits within 90 days after discharge p.16 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.19 |
| Pregnancy complications | HKD 200,000 per Policy Year, for specific complications, if conception occurred after first 12 months of Policy Effective Date p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.18 |
| Hospital cash | none |
| Companion bed | Full cover for the cost of one companion bed during Confinement, excluding meals p.26 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate is available p.14 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Sexual dysfunction (impotence, erectile dysfunction, pre-mature ejaculation) 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$9,685 to HK$9,685.
| 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 |
|---|---|---|---|
| HKD70,000 Deductible | Private | HK$70,000 | HKD 33,000,000 per Policy Year |
| HKD70,000 Deductible | Private | HK$70,000 | HKD 33,000,000 per Policy Year |
| HKD70,000 Deductible | Private | HK$70,000 | 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.